Life Insurance Policy

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. [...]


Life Insurance and a SBA Loan

Life insurance with Diabetes is not always easy to obtain. In the event you have diabetes, and need a life insurance policy to complete your SBA Loan, don’t always expect this to be a quick process. For certain people, this application process may take up to FOUR weeks. Please do NOT wait until the very last second to obtain a life insurance policy. Allow yourself plenty of time. In the event you do not want to read this entire article, and would like information immediately, simply call us at 888-629-3064. An agent would be more than happy to visit with [...]


How Traveling Overseas Can Disqualify Your Eligibility to Purchase Life Insurance

Given the current environment of the world, Covid 19 or the Coronavirus has impacted everybody, and every type of business. Life insurance industry is not immune either. Companies are looking at applicants past, and future travel history closer than at any point in time. 2020 has been a very ‘interesting’ time for life insurance carriers. In event you’ve traveled rececently to and from a deemed ‘ hot spot’ of Covid 19, companies will postpone you for the foreseeable future. If you have future travel plans to places such as Italy, China, Russia, South Korea and other foreign countries you will [...]


Life Insurance for Type 1 Diabetics

Living in the Covid 19 pandemic era has made one thing clear.  Everything in our lives is changing.  This is also true for the life insurance industry.  Many life insurance companies are changing their underwriting guidelines, and product offerings. This is impacting many people with Diabetes, especially those living with Type 1.  People with Type 1 Diabetes are going to have fewer life insurance companies to choose from for the foreseeable future.  Certain companies will no longer offer coverage due to the current environment.  We hope this changes in the future, but issues like these are out of our control. [...]

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