Insurance FAQ’s

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+00:00 December 3rd, 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+00:00 November 15th, 2018|

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+00:00 November 12th, 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+00:00 November 8th, 2018|

Life Insurance for Gestational Diabetics

Last Updated: Gestational Diabetes is usually a temporary type of diabetes that occurs during 18 percent of pregnancies, however, studies show that people who develop Gestational Diabetes are more at risk to develop Type 2 Diabetes later on in life. So what does this mean for you when you are trying to get life insurance, if you have Gestational Diabetes? What exactly is Gestational Diabetes? Below is how the American Diabetes Association, defines Gestational Diabetes: Pregnant women who have never had diabetes before but who have high blood glucose (sugar) levels during pregnancy are said to have gestational [...]

2018-10-16T21:25:04+00:00 September 25th, 2018|

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 [...]

2017-05-11T14:06:54+00:00 May 16th, 2017|