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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|

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|

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|

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|

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|

Term Life Insurance vs. Whole Life Insurance

Having Diabetes and searching for life insurance isn’t the easiest thing to do. Like most people, you know you need life insurance. But what type of coverage is best for you and you family? Good news for people with Diabetes. You will likely have no issues getting approved for both Term Life Insurance and Whole Life Insurance policies. Simply speak with one of our agents, and we’ll happily explain your options to you. People with Type 1, and Type 2 Diabetes can qualify for all types of Life Insurance policies. Two of the most common talked about policies are term [...]

2018-11-05T15:13:11-04:00November 5th, 2018|

Is Insulin Pump Therapy Better for Diabetic Life Insurance Rates?

Original Post: July 21, 2017 It’s no secret that anyone with a chronic health condition such as Diabetes, will inevitably – more than likely – end up paying a higher premium for their Diabetes life insurance policy than someone who is in predominantly perfect health. Most people don’t know that despite a chronic health diagnosis, it is possible to avoid excessively high premiums while maintaining a policy that is suitable for your family.  But how will a life insurance company view your use of an insulin pump? If you’ve been diagnosed with diabetes – even if you’re receiving insulin therapy [...]

2018-10-29T21:50:21-04:00October 29th, 2018|

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|

Life Insurance For Type 2 Diabetics

Original Post: February 16, 2017 | Updated Post: January 30,  2019 Having Type 2 Diabetes is more common than you think. As of 2019, there are over 30 million people ( Nearly 9% of population) in the United States alone, with this chronic illness. We know that having Type 2 Diabetes isn’t a death sentence, and that diabetics can live a healthy lifestyle. Unfortunately, you may have heard that life insurance for Type 2 Diabetics isn’t obtainable, or affordable. That simply is not true!!! Life insurance companies are finally understanding that people who have type 2 diabetes often times have [...]

2019-01-30T21:42:05-04:00January 30th, 2019|