• Life Insurance for Someone with Depression

    Can Someone with depression get life insurance? The short answer is probably. Most insurers will issue a policy unless the depression is very severe, there have been multiple hospitalizations, or there has been suicide attempts. Most life insurers have concluded that the extra mortality risk is due to suicide, cardiovascular disease , and substance abuse. […]

  • Cash Value Life Insurance – is it a good deal?

    Cash Value Life Insurance as an Investment “Cash value life insurance is a good long term investment” “Whole life insurance returns dividends in excess of seven percent” “Indexed universal life lets you accumulate money tax deferred and withdrawal at retirement time tax free” Truth or Hype  The downside details that are downplayed, not mentioned, or […]

  • Life Insurance for Tobacco Users

    Life Insurance for Tobacco Users Basics Depending on the type of tobacco or nicotine you use, life insurance underwriting can vary drastically from carrier to carrier.  I’m talking about cigars, chewing and dipping tobacco, pipe, nicotine replacements (gums, patches, lozenges), and the newer E-cigarettes and vapor cigarettes.  There are a few carriers that are more relaxed […]

  • Get High and Secure: Life Insurance for Marijuana Users

    Life Insurance for Marijuana Users According to new research from the NIH, over 22 million people smoke marijuana regularly. Now, more than ever, marijuana is becoming acceptable in everyday life and in government policy. For this reason, life insurance for marijuana users is becoming more prevalent. Marijuana users who refrained from seeking insurance in the […]

  • Life Insurance for Someone with Rheumatoid Arthritis

    Rheumatoid Arthritis and life insurance Someone with Rheumatoid Arthritis can usually get life insurance, but they may have to pay increased premiums. This is because statistics show the people with Rheumatoid Arthritis have a shortened life expectancy. The increased mortality is not from the rheumatoid arthritis itself, but rather the complications that develop. Rheumatoid Arthritis […]

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