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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 […]
3 reasons to focus on term conversions now
What happened to all those term policies you sold in the last 10 plus years? Term life insurance is bought more than any other life insurance. Some purchasers may only want it for the term period they selected. But many may want to continue coverage past the selected level premium period. For many purchasers this […]
Life Insurance for someone with Colorectal Cancer
Colorectal cancer and life insurance Someone with colorectal (colon or rectum) cancer may find it difficult to get affordable life insurance. Many life insurers look unfavorably at people with some colorectal caners because the statistics show that a certain percentage of these people will die prematurely. According to The American Cancer Society Colorectal cancer is the […]
Adding Insult to Insulin: Can Diabetics Get Life Insurance?
Diabetes What is Diabetes? Diabetes is a condition in which the body fails to produce enough insulin, or fails to process insulin normally. Can Diabetics get life insurance? Of course, however, there are some guidelines and restrictions as a result of secondary issues from irregular pancreas function. Insulin is normally produced in the pancreas. It […]