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The E-cigarette and Life Insurance— Why Prudential is the Logical Choice

Alternatives to smoking tobacco have risen to greater prominence over the past decade, and among them is the increasingly popular electronic cigarette. Even most non-smokers these days are aware of this “E-cigarette” (Electronic Cigarette). Even though these cigarettes only simulate actual smoking tobacco through their own vapor-making devices and many do not actually release any… Continue Reading

Life Insurance Exclusions

With conflict and violence around the world, I often get asked if Life Insurance policies cover you in an act of war, or in an act of terrorism. I made this video with some information on Life Insurance Exclusions.If you don’t feel like reading this post, go on down to the end and watch the… Continue Reading

Life Insurance for Helicopter Pilots: Avoiding High Fees

Life insurance companies are very interested in your job. When you apply for coverage, it’s their mission to determine how much risk that you are for insurance coverage. Depending on your job, they might view you as a high-risk applicant. If that’s the case, then you can expect to pay a drastically higher rate for… Continue Reading

Life Insurance with Cancer : Can I Get Approved for a Policy?

When you apply for life insurance protection, they are going to look at dozens of different factors to determine how much they are going to pay for insurance protection. One obvious factor is your health or any pre-existing health conditions that you have. If you’ve been diagnosed with cancer, you might assume that you can’t… Continue Reading

Life Insurance with Sjogren’s Syndrome

There are over 4 million American’s who suffer from Sjogren’s syndrome. 9 out of 10 of those who suffer are women, and Sjorgen’s is 2nd most common autoimmune rheumatic disease. If you suffer from Sjogren’s and are looking for life insurance the good news is that you can get approved for a policy. Continue Reading

What to Expect in a Medical Exam

What to Expect in a Medical Exam

Traditional medical life insurance policies require a detailed medical history and a medical exam by an insurance company-approved physician. Simplified-issue policies eliminate this step of the application process, but they will still require certain medical information from the applicant. A guaranteed-issue policy will not require any medical information from the applicant. Simplified- and guaranteed-issue policies… Continue Reading

Buying Affordable Term Life Insurance

How do you buy an affordable term life insurance policy that meets your needs?  The pricing of your policy is based on the amount insured and any riders it includes. Choosing the right insurance policy comes down to deciding on these key features and then shopping for the best rate. What’s the Difference Between Term… Continue Reading

No Medical Exam Life Insurance for Seniors

It is easy to see why no medical exam life insurance for seniors is a very appealing option. Life insurance provides the financial security your family needs if something tragic were to happen. Many families are left with debt that they cannot afford to pay. Having life insurance will pay for all the final expenses… Continue Reading

Best Term Life Insurance Rates for Cigar Smokers

If you are looking for the best term life insurance rates for cigar smokers, this guide will provide you with the underwriting guidelines of some of the top term life insurance companies and how to get the best rates. The good news is that you can get non-tobacco rates if you only smoke cigars and… Continue Reading

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