Life Insurance Advice for Multiple Sclerosis (MS) Patients

Life Insurance Advice for Multiple Sclerosis (MS) Patients

Multiple sclerosis does not have to warrant a unwanted decline for life insurance.

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Insurance for Workers Overseas in High-risk Professions

Insurance for Workers Overseas in High-risk Professions

Whether you’re headed to Haiti as a volunteer helping to restore the earthquake-ravaged country, or to Iraq as an employee rebuilding its infrastructure, or even off the shores of Somalia as ship crewmember and scuba diving adventurist, you or your boss will most likely be looking at higher premiums — if you can get life insurance at all.

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Does Domestic Violence Qualify as a Pre-Existing Condition?

Does Domestic Violence Qualify as a Pre-Existing Condition?

Insurance companies have a number of preexisting medical conditions that increase risk. Whereas most preexisting medical conditions are illnesses that directly impact the mortality of an individual, several politicians and advocacy groups question whether some insurers have taken these clauses too far. In the past, some insurance companies believed that a victim of domestic violence brought the same health risks to the table as those with pre-existing medical conditions such as diabetes and heart disease….

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How Does High Blood Pressure Affect Life Insurance Premiums?

How Does High Blood Pressure Affect Life Insurance Premiums?

High blood pressure is called the silent killer for a reason. One in three adults in the U.S. has it, many with no symptoms, no red flags, and unless they’ve seen a doctor lately, no idea their numbers are so high they are at risk for heart attack or stroke, according to Centers for Disease Prevention and Control.

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Life Insurance With Anxiety or Depression – What You Need to Know

Life Insurance With Anxiety or Depression – What You Need to Know

We’ve all had times in our lives when we didn’t feel at the top of our game. Maybe it was due to a job loss or the death of a family member; there are numerous reasons for feeling down.

However, according to the National Institutes of Mental Health, for 26.2 percent of Americans age 18 and older this feeling of hopelessness is due to a diagnosable mental disorder. That is approximately 14.8 million adults suffering from a major depressive disorder and about 40 million adults suffering from anxiety.

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What Is Underwriting for Life Insurance?

What Is Underwriting for Life Insurance?

Once you have examined various life insurance policies and insurance companies, you are ready to start applying for a policy. At this point, you should have selected a company or companies to which you are going to apply to and a life insurance adviser. Your adviser will help guide you through pre-writing, underwriting and will also help you maintain your policy.

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Life Insurance After Drug Addiction

Life Insurance After Drug Addiction

Very few addicts are able to recognize when they have crossed the line but once they do and get help, a new life awaits including insurance

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How Allergies Affect Life Insurance Eligibility

How Allergies Affect Life Insurance Eligibility

Allergies return and the spring cold virus takes precedence and how does this affect applying for a life insurance policy.

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You Need Specialty Life Insurance to Cover Yourself if You Work a Risky Job

You Need Specialty Life Insurance to Cover Yourself if You Work a Risky Job

If danger is part of your job, then you might want to buy insurance to decrease how risky your life is. We’re not talking about signing up for a basic insurance policy work provides, then skipping along to your hazardous occupation. We’re talking about contacting a high-risk specialist, and buying some individual life insurance and disability insurance to protect your family if you die before winning employee of the month.

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Everyday Factors That Affect Your Insurance Premium

Everyday Factors That Affect Your Insurance Premium

No matter your age or lifestyle, there are some risks that can’t be avoided. Whether it’s concerning your job, gender or physical condition, risks affect your life and your insurance rates.

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