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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|
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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|
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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|
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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|
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Life Insurance with Diabetic Retinopathy

Finding affordable life insurance with Diabetes is hard enough, without having a history of a diabetic complication. How does diabetic retinopathy impact your life insurance options, and rates? Does life insurance for diabetic retinopathy even exist? Good news! It still is possible to qualify for life insurance with a history of diabetic retinopathy. You may even be eligible for no medical exam life insurance policies. Diabetes Life Solutions is here to help you not just FIND coverage, but to help you find the best priced life insurance policy, given your complete health profile. Let’s first look at what exactly retinopathy is. [...]

2018-11-24T22:13:26-04:00November 24th, 2018|
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Questions to Ask When Buying a Diabetes Life Insurance Policy

Original Post: May 27th, 2017 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. Having diabetes, you’ll want to ask even more questions, than a person who does not have a chronic illness. 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 [...]

2018-11-24T21:44:30-04:00November 19th, 2018|
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Life Insurance Riders you Should Consider

Life insurance can address numerous financial objectives, at various stages of your life.  As you get older, perhaps have children, move into a larger home, your life insurance needs to change with you. As you know, people with Diabetes can qualify for life insurance coverage, at affordable rates.  But in addition to obtaining Diabetes life insurance to protect your family, you will want to review what possible ‘riders’ your term life insurance, or permanent life insurance policy can provide. What is a Rider on a Life Insurance Policy? When you purchase a life insurance policy, your policy’s terms and conditions [...]

2018-11-15T16:32:34-04:00November 15th, 2018|
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Obtaining Life Insurance for Diabetics: Specifically on SGLT2 Inhibitors

Original Post: October 11th, 2018 Life insurance is hands down one of the most important decisions you will make in your lifetime. It will single handedly help to provide for your family’s financial future in the scenario that you’re no longer there to help support them. The problem with obtaining life insurance with Diabetes is there's a lot of bad information out there on the internet, or over your TV and Radio airwaves. Every commercial or website advertises rates that seem too good to be true, when it comes to diabetic life insurance. Truth is, the rates you hear about, [...]

2018-11-15T13:11:25-04:00November 12th, 2018|
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What is the Process of Underwriting? What Does It Mean?

Original Post: May 9th, 2017 If you plan on purchasing life insurance for the first time, the whole process can feel a bit overwhelming – or a lot overwhelming. Especially if you have Diabetes. As you are discovering, not all life insurance companies offer life insurance to Diabetics. NOR do all companies offer the same diabetic life insurance rates. 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 when applying for [...]

2018-11-09T14:07:42-04:00November 8th, 2018|
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How Glucose Levels Impact Your Life Insurance Premiums

Original Post: September 25, 2014 For anyone who has an adverse health condition, qualifying for a life insurance policy can become more difficult. Especially for a person with Diabetes. This is because anything that has an effect on life expectancy can be considered as an increased risk to the insurance company, and in turn, a potential for an increased risk of claim. Therefore, oftentimes applicants who have various health issues are either turned down or coverage, or they are rated as Substandard and required to pay an additional amount of premium in order to compensate for the increased risk to [...]

2018-10-25T20:27:57-04:00October 25th, 2018|
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