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Life Insurance with Living Benefits

When you want your loved ones to be taken care of after you die, you make sure that you have life insurance coverage in place. Then, upon your death, as your family is mourning and grieving, they will be able to rest easy knowing that you had an insurance policy in place to take care of future expenses without any increased burden. Over time, life insurance carriers have evolved, for the better. What if you could purchase a policy, where if you suffered a serious illness, you could access part of the death benefit? Better yet, what if policies offered [...]

2019-07-01T22:34:58-04:00July 1st, 2019|

Whole Life Insurance For Diabetics

Original Article: September 21st, 2018 | Last Updated: May 31st, 2019 Whole Life insurance is an excellent safety net that you can purchase to ensure that your loved ones have the money that they need, regardless of what happens to you. When you’re applying for life insurance, there are dozens of different factors that the insurance company is going to look at when reviewing your application. Your Diabetes history will be one of many determining factors, when a life insurance company reviews your complete health profile. Diabetes is impacting nearly 31 million people in the United States alone. Not to [...]

2019-05-31T02:20:20-04:00May 27th, 2019|

How to Save Money on Life Insurance by Laddering Policies

If someone asked you what your life is going to look like next year, could you truthfully and factually tell them? The answer is no because, honestly, you don’t know. Life can throw us so many curve balls, twists, and turns that it is impossible to know what the future holds. Next year, you could be facing life in a new city, an unexpected pregnancy, a career change, and so forth. When it comes to purchasing life insurance, you are often advised to take a look at your financial situation, dependents, etc. and make a determination on what you think [...]

2019-05-29T00:25:29-04:00May 13th, 2019|

What Is the Medical Information Bureau?

Applying for life insurance is pretty simple, when it you think about it. A specific company is going to ask various health questions, and they will do a ‘background check’ on you. After all, they are considering insuring you – so they want to know just how great a risk you are. When applying for coverage, you may be tempted to reduce your weight or deny having a particular medical condition. Or maybe you say your type 1 diabetes or type 2 diabetes is under better control than it actually is. Who would know? Your underwriter. And, it is all [...]

2019-03-29T14:12:54-04:00March 20th, 2019|

What Happens if you Outlive Your Term Life Insurance Policy?

Years ago, you made the decision to purchase a term life insurance policy. Now, you are faced with a dilemma. You still have a need for life insurance coverage and your insurance policy is due to expire – and you don’t want to be left empty-handed. Reviewing your life insurance policy from time to time is vital in making sure you have the proper coverage in place, to protect your family. If your term life insurance policy is about to expire, don’t be alarmed. Good news! You have choices. Choice 1: Renew your term policy at an annual renewable rate. [...]

2019-03-06T10:04:00-04:00March 6th, 2019|

When Should You Review Your Life Insurance Policies?

You purchased life insurance because you wanted to make sure everything is taken care of for your loved ones when you pass away. However, your policy is based on your life and situation at the time you take out the policy. But life doesn’t sit still, does it? Life insurance policies can last a lifetime and you may want your policy or policies, to match your financial objectives. As you move through the stages of your life, reviewing your insurance policy is a good habit to get into. This will allow you to rest easy knowing that – no matter [...]

2019-02-21T23:46:42-04:00February 21st, 2019|

Life Insurance and a SBA Loan

If you are actively seeking a business loan, then that means you likely have a business plan and great idea that you want to get started on. With all the excitement of starting your business and getting your plan rolling, you may feel a bit discouraged and come to a screeching halt when you learn that in order to obtain your loan, you need life insurance. You may find yourself asking these questions: Why? How much is that going to cost? And How where do I even start searching for life insurance with type 1 or type 2 diabetes? Or [...]

2019-01-09T10:05:47-04:00January 7th, 2019|

Why You Should Buy Life Insurance from An Independent Agent

Original Post: May 11th, 2017 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 to a specific life insurance company? And wouldn’t it be nice if the agent would have access to various life insurance carriers, that would provide the best rates, given your Diabetes history? Well, this is an option when you choose to purchase your life insurance policy from an agent that works with Diabetes Life Solutions. Taking extra initiative to remain current in [...]

2018-12-19T18:58:34-04:00December 11th, 2018|

Life Insurance and Your Divorce

Divorces are rarely ever wonderful. And, why would they be? They are the finalized product of a love-went-wrong. Most people want to get over it and move on as quick as possible. For some, without any kids or accounting nightmares, that may be possible. However, for others, not so much. There is a lot to be considered in a divorce – especially when it means separating a family. It takes time to sort through finances, assets, property, and such. Dissolving the marriage – a life together – is no easy feat. So, while the details are being worked out, there [...]

2018-12-03T19:24:35-04:00December 3rd, 2018|

How Traveling Overseas Can Disqualify Your Eligibility to Purchase Life Insurance

Original Post: June 5th 2017 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. We have written this article to help those who have Diabetes, and who travel for a living, find an affordable diabetic life insurance policy. Many people don’t realize, especially insulin controlled diabetics, that one of the most common reasons to be declined for life insurance is due to travel destinations. Finding [...]

2018-11-29T16:37:20-04:00November 28th, 2018|