The definition couldn't be much simpler. Guaranteed issue is a life insurance policy that the company guarantees it will issue and put in force no matter what health conditions you have. Some guaranteed issue life insurance companies have age limitations. Most use 40...
Is Replacing Life Insurance A Bad Idea?
Why would you replace one life insurance policy with a new one? There are some important and ongoing questions when you own life insurance like does the policy meet your needs and Is the policy affordable? These are questions that should both elicit a yes answer when...How Does Marijuana Use Affect Life Insurance Rates?
The Overview Up until about six years ago life insurance companies that would approve someone who admitted smoking pot, approved them at the same smoking rates that applied to cigarette smokers. There wasn’t a lot of underwriting logic to that decision other...What Can You Do About Being Declined For Life Insurance?
Are you blackballed when you are declined for life insurance? In the 18th century blackballing was simply voting using a black versus white ball. In more recent times it came to mean a removing someone from consideration. Being blackballed Is serious stuff no matter...When Can A Cancer Survivor Get Life Insurance?
Can you get life insurance after completing cancer treatment? I wish the answer to that question was always yes. Since it’s not, let’s talk about the criteria that need to be met in order to get life insurance after completing cancer treatment. Most...How Does Cigar Use Affect Life Insurance Prices?
Nicotine use impact on life insurance pricing! Life insurance underwriting has been appropriately rough on those who smoke cigarettes. There is a mountain of medical and scientific evidence concerning the medical and mortality risks of smoking cigarettes. Recently...Life Insurance Opportunities For Private Pilots
Do pilots pay more for life insurance? This is one of those life insurance questions that has been on something of a roller coast ride for the last 20 years. There was a long period when most life insurance companies were decidedly unfriendly to private pilots, but a...Life Insurance On Children?
Should I carry life insurance on my children? The question of carrying life insurance on children has elicited all kinds of responses over my years of answering that question. Some parents don’t like the idea for emotional reasons. They didn’t want to...Can My Life Insurance Price Be Changed If My Health Changes?
What if my health changes after I buy life insurance? There are plenty of precedents where insurance penalizes you when something happens. Car insurance immediately comes to mind when they raise your rates because you have a speeding ticket (or two). So, can your life...How Much Does Weight Affect Life Insurance Rates?
Why? Life insurance underwriters look at all aspects of health when they are deciding at what rate to approve your application. The good news is they aren’t looking for models, but rather weight from a health standpoint….a much fairer expectation....Selling Your Life Insurance Policy As A Life Settlement
Can you really sell a policy you don’t want anymore? It can certainly happen, but let me start by saying that not all term life policy can be sold. Selling your life insurance policy as a life settlement only happens if the transaction makes sense on both ends....New York Life Insurance Options Dwindling
New York! New York! The state of New York has always been challenging for those looking for life insurance. There are a lot of life insurance companies that don’t even seek approval to sell their products in New York. New York’s Department of Financial...Preferred Life Insurance Rates For Melanoma
Life insurance News For Stage 0 Melanoma How many of us have laughed at or been laughed at over sunburns growing up? There wasn’t anything fun or funny about the pain, and we had no idea what was possible down the road. Skin cancer is the most common cancer in...The Latest On Bipolar 2 Life Insurance.
As recently as 2013 it just wasn’t a stretch for Bipolar 2 life insurance to have a shot at getting the best rate class with some companies if you had well controlled bipolar II. The companies took into account all of the factors that should be relevant in...Do You Want Options In Your Life Insurance Duration?
“Change is the only constant in life” according to Heraclitus. Never met the guy but he definitely hit the nail on the head. And then Robert Burns doubled down on the thought with “The best-laid plans of mice and men often go awry”. Term or...The Hinerman Group
My 20 years of experience give me the knowledge and leverage to find reasonably-priced life insurance for people who have been declined or are paying more than they need to. Request a Free Consultation Today!
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