These policies give you a free look period for a full 30 days to examine and accept.Read More
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.Read More
Multiple sclerosis does not have to warrant a unwanted decline for life insurance.Read More
When a person applies for life insurance, the relationship between their height, weight, and girth is considered.
It also happens to be one of the basic determinants of mortality risk, according to Edward E. Graves, author of McGill’s Life Insurance.Read More
Life insurance will raise premiums due to high blood pressure being an early indicator of cardiovascular disease, kidney disease and chronic heart failure.Read More
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.Read More
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….Read More
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.Read More
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.Read More
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.Read More