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...
It’s All About Age And Control!
I suppose with that title this post could go about any direction, but what I had in mind was life insurance as affected by type 1 and type 2 diabetes. Both types of diabetes, given optimal age of onset, current age and control as measured by your quarterly A1c...The Old Folks Life Insurance Advantage!
Ah, the joys of being somewhere post mid life and nearly as old as dirt. It seems that we get focused on the negatives like the aches and pains and trying to figure out if retirement is a gift or a joke, and we don’t take time to grab on to the big advantages...We Need To Have A Talk!
That phrase is usually followed by a conversation that you may end up feeling you really didn’t need to have, but I’m here with a breath of fresh air, a talk we need to have about how to get better life insurance rates when you have diabetes. Why now? Why...Final Expense Whole Life In Perspective!
I got a call a few days ago from a couple who are both 74 years old. They have had Protective term life insurance in force for several years and decided to look at converting $25,000 for final expense purposes since their conversion option ends next year. Seeing...Know Your Health Information For Best Life Insurance Quotes!
Not everything that goes on in our medical lives is memorable. If our blood pressure is always in the normal range more than likely we are going to remember our last blood pressure reading. Unless I was deathly ill there is no way that I would remember what my...Adult And Juvenile Onset Type 1 Diabetes Life Insurance Update!
I feel like one of those people who puts tacks in a map every time they visit another state. I am literally sticking pins in the type 1 diabetes life insurance approval map and the number of areas where we are getting approvals is growing every few weeks. As covered...Juvenile Onset Diabetes In Adults Better Underwriting!
Before you dig too deep into this post let me clarify that I am not talking about juveniles with juvenile onset type 1 diabetes. I still don’t know anyone that will cover them and I am still actively lobbying companies to be the one to step out of the dark ages...Diabetes. A Review Of Life Insurance Gold Stars!
I was considering just re-posting some old information about life insurance underwriting of diabetes, but let’s just hash our way through it. There is new information and new opportunities that wouldn’t have been there even a year ago. Let’s save...American Diabetes Association Still Falling Short!
It’s been at least a year since I last shared my dismay with both the readers of this blog and the ADA about the ADA choice to just ignore the subject of life insurance for those with diabetes on their website. Whether you have type 1 diabetes or type 2...Who You Workin For Anyway?
I written several times about a major term life insurance company that took the unprecedented step of saying they would allow, in the absence of other risk factors, their preferred plus rate class for some people over 60 with type 2 diabetes. Their only other...Major Break On Type 2 Diabetes!
On occasion a life insurance company will pick a place to make a stand and leave the rest of the industry behind. Companies like Prudential come to mind when they approve tobacco use, other than cigarettes, at non smoking rates even with daily use. So, while many...Are You The One I Have Been Looking For?
Wanted. 60+ year old type 2 diabetic. Diagnosed in last 5 years. Good control with A1c 7.0 or better. No complications. You have won the prize. I’ve been working with the diabetes community for a long time and never thought I would be able to announce that a...Diet And Exercise. What A Concept!
Usually the first shot in the arsenal of ways to deal with type 2 diabetes is diet and exercise. The great thing if it works is that the diabetes can be controlled or beaten, a life style changed, and absolutely no negative side effects. The American Heart Association...American Heart Association Emphasizes Link Between Diabetes And Heart Disease!
American Heart Association twitter this morning, “80% of sudden cardiac arrest victims collapse at home. Are you ready to save someone you love?” It provided a link to a CPR website. This Twitter @HeartofDiabetes is all about education on the link between...The Hinerman Group
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