• Life Insurance for Someone with Breast Cancer

    Someone with breast cancer may be able to get life insurance.

  • Life Insurance for someone who has COPD

    Chronic Obstructive Pulmonary Disease (COPD) COPD is a persistent obstruction of the airways. Chronic Bronchitis and Emphysema are the two main conditions comprising the COPD group of diseases. Cigarette smoking is by far the number one cause. Chronic Bronchitis Chronic Bronchitis is caused by a persistent inflammation of the bronchial tubes. It is characterized by […]

  • life insurance for alcohol or drug abuse

    Alcohol, drug abuse, and life insurance For the majority of drinkers of alcoholic beverages, there is little risk to health or longevity. However, excess alcohol intake has a substantial impact on mortality. Excess alcohol consumption has been associated with heart problems such as alcoholic cardiomyopathy (which is a weakening of the heart muscle), arrhythmia, atrial fibrillation, ventricular tachycardia. Other […]

  • Term vs Return-of-Premium Term

    Does Return-of Premium Term make financial sense? Return-of-premium term does require higher premiums than level term, but for clients that can afford the extra premium (usually twice the premium for a 30 year plan), it may be worth considering. The effective after tax rate of return can look attractive compared to alternatives. Currently calculated rates […]

  • Impaired Life Insurance Cases – Is it worth the effort?

    Is it too time consuming for insurance agents to handle impaired risk life insurance cases? Some agents may say: “I don’t know what to ask if someone has had a heart attack or some other health problem” “Clients cannot afford it” “It takes too long in underwriting” “Even after I do all the work there is […]

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