Insurance FAQ’s

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 that there are so many options out there it can be extremely overwhelming. On top of life insurance being a challenge to obtain the right kind that suits your lifestyle, having a preexisting health condition makes things even more difficult. What makes matters more difficult is that if you are unable to control [...]

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? Gestational Diabetes and Type 2 Diabetes Rick Factor When getting life insurance, the insurance underwriters know that Type 2 Diabetes is not one that they are born with but that manifests over time with their lifestyle choices. Risk factors are taken into consideration when a life insurance [...]

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 [...]

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 [...]