• Long Term Care and Chronic Illness Riders on Life Insurance

    Long Term Care and Chronic Illness Accelerated Benefit Riders What are these riders designed to do? These riders are designed to provide early access to the death benefit in the event that the insured is chronically ill or has severe cognitive problems. The idea is that the money can help pay for extra care.  The […]

  • Impaired Life Insurance: learn to profit from it

    Stand out from the crowd: perform the more difficult job and make it look easy. Many insurance agents shy away from trying to help people with health impairments because it looks like more work. It is more work, but it’s worth it: and not just monetarily. Yes the premiums are larger, but so are the […]

  • Term Life – Is Price the Only Thing that Matters?

    Price matters, but is that all that matters? Consumers of term life make their buying decision based mainly on price, but there are a few other things to consider. With so many products similarly priced maybe consumers should look at the other features that might be important to them. Let’s look at a few features […]

  • Life Insurance for Someone with Lupus

    Lupus and life insurance Getting the most favorable rate on life insurance for someone with Lupus may take some ‘shopping’ around. Life insurance companies can make diverse offers on the same case. Types of Lupus: Discoid lupus is a limited disease with superficial skin involvement only. It has no systemic features, although a small number […]

  • Life insurance for someone that had a stroke

    What is a stroke or cerebrovascular accident? A stroke occurs when brain cells die due to lack of oxygen caused by poor blood flow in the brain. The poor blood flow could be a result of blocked or damaged blood vessels. Strokes are one of the leading causes of death in America. The CDC reports […]

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