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The Importance of Life Insurance for the Stay-at-Home Parent

The working parent isn’t the only one that should purchase a life insurance policy; both parents are equally as valuable to a family, but often the value of a stay-at-home parent is overlooked. This is presumably due to the fact that the stay-at-home parent is not generating income, but it is important to understand the expenses that would be placed upon the family in the event of the absence of the stay-at-home mom or dad. Stay-at-home parents are truly a financial value to a family – especially families that have several small children or even a child with diabetes. Making [...]

How Traveling Overseas Can Disqualify You for the Eligibility to Purchase of Life Insurance

It might seem illogical that international travel can affect your eligibility for life insurance, but it is true. If you are traveling overseas and you have diabetes, then it may add another hurdle to jump in order to qualify for a life insurance policy. Don’t worry, there is no need to stop exploring the world and checking off bucket-list destinations, but you may want to learn more about how your specific destinations have the ability to affect your eligibility should you desire to purchase life insurance. It’s All About the Destination A trip to Ireland is unlikely to affect your [...]

Questions to Ask When Buying a Life Insurance Policy

When you decide it’s time to purchase life insurance, you’ll probably have a few questions about coverage, policy types, and whether or not you’re likely to be approved for your desired policy. Asking these questions is extremely important. The outcome will determine your status of approval, your monthly premiums, and the extent of financial protection and preparedness that your family will receive in the event of a loss. Taking a proactive approach to alleviating what could be a huge financial burden is an admirable gesture – one that will bring you peace in knowing that even if you’re not present, [...]

Why You Should Buy Life Insurance from An Independent Agent

Wouldn’t it be nice to have the option to purchase your life insurance policy from a licensed agent who is equally as knowledgeable about your medical conditions and the difficulties they might present as they are knowledgeable about the ins and outs of the life insurance policy options available to you? Well, this is an option when you choose to purchase your life insurance policy from an independent life insurance agent. Taking extra initiative to remain current in matters regarding the assistance of individuals with chronic illness in their pursuit to discover an affordable life insurance policy that has been [...]

What is the Process of Underwriting? What Does It Mean?

If you’re purchasing life insurance for the first time, the whole process can feel a bit overwhelming – or a lot overwhelming. Which policy type do you choose? What is a fair premium? What kinds of information will you be asked to provide and how will your answers affect the outcome of your application? These are all important questions to consider. After all, these are the kinds of factors that the life insurance company will be taking into consideration while underwriting your policy. Underwriting is completed by a group of licensed life insurance professionals termed “underwriters”. Underwriters are responsible for [...]

5 Tips to Cope with Your Diabetes Diagnosis

With a diagnosis of diabetes, or any chronic illness, you may initially feel overwhelmed, helpless, and afraid. One second you were “you”, and now, you’re “you with diabetes”. What does this mean? How will this affect your life? You may begin to analyze the choices you once made in your youth; you scold yourself for poor eating habits, not getting enough rest, working too much and never establishing effective stress management skills. In the moment you receive your diagnosis, your mind races, but regardless of what led to this moment, you’re here, and we’re here to help. Here are five [...]

Life Insurance Companies Approving Policies for Children with Diabetes

Life insurance can be uncomfortable to talk about for yourself and family members but when discussing for children it is especially unsettling. The easiest way to think about life insurance for your child is to consider it an investment for them in the future, since they would be locked into their rates as long as the premium is paid. When discussing life insurance for a child with diabetes, be sure that before you apply that your child’s diabetes is well managed. That will be the best way to ensure that you are able to get the coverage you need at [...]

Welchol : How Can it Affect Your Ability to Purchase Life Insurance?

It’s no news that purchasing life insurance can be difficult for people who have pre-existing medical conditions, like diabetes, but did you know that the prescriptions you use to manage your condition might influence whether or not you’re approved for the purchase of a life insurance policy too? It’s true; medicines commonly prescribed to treat your diabetes may influence premium quotes as well as eligibility. Let’s take a look at one of them. […]