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Life Insurance With Type 1 Diabetes, Getting the Best Rate

It can be a little bit daunting and difficult to get a life insurance if you’re a type 1 diabetic. Just by having the disease automatically puts you in the high-risk cases. And because insurers have a natural aversion to applicants who have chronic health conditions, your chance of getting insured is very minimal. But…

Life Insurance with Fixed Premium Rates, What are my Options?

There’s no question that a life insurance can make your family financially protected when you die, but taking out a policy can be a little daunting if you’re unsure of what type of cover that matches your needs and what type of premium rate suits you best. Remember that getting a coverage is a major…

Life Insurance With Diabetes Type 2, What is the Best Coverage ?

Getting insured as a type 2 diabetic might seem difficult, but this doesn’t mean that you don’t have any chance at all. You still have plenty of options. It’s true that diabetics can be turned down by underwriters. This is because insurers naturally favor applicants with a very low health risk. And anyone with a…

Guaranteed Universal Life Insurance Pros and Cons

A guaranteed universal life insurance or GUL is a type of universal life insurance, which is a permanent life insurance policy. It provides a fixed premium rate but it is unique in many ways. Unlike the term life policies where the coverage is based on term periods, a GUL coverage is based on age. This…

Life Insurance for Dummies, a Laymen’s Terms Life Insurance Guide

Getting insured is one of the best things that you can do for your family. It ensures that they will be financially protected when you die. And knowing that they’ll be fine can bring you a sense of security and peace of mind. But finding the best life insurance policy can be difficult if you’re…

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Life insurance With No Medical Exam and No Waiting Period

Traditionally, getting an insurance coverage requires one to undergo a lengthy and tedious underwriting process. This usually consists of an interview and a medical exam. Essentially, the interview is designed to assess your medical history. For this purpose, you might be asked about your previous illnesses, family’s medical history, occupation, lifestyle, vices, driving record, and…

High Net Worth Life Insurance, a Guide for Wealthy Individuals

When you’re a high net worth individual, it’s easy to think that you don’t really need a life insurance because you already have enough money and investments that can secure you financially. Which isn’t always true. By definition, you are a high net worth individual if you have no less than $1 million in investable…

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No Exam Life Insurance in New York, What Companies Offer Coverage?

Traditionally, getting a life insurance can be a little bit tiresome and painful, literally. One of the turn-offs in traditional life insurance coverage is the physical exam requirement. This is a tedious process that usually puts people off. Besides, not everyone has the time, courage, and patience to deal with the rigorous medical underwriting procedures.…

What to Expect When You Apply for Life Insurance

Applying for Life Insurance? We hope your livelihood is all well now, but the truth is a healthy livelihood isn’t guaranteed in the future. The burden of unexpected crises is part of life. You can get sick tomorrow, hurt next week, or pass on unexpectedly next year. Life insurance is something we use to put…