Bladder cancer patients may find It possible to obtain a standard rate for life insurance. However, there are many variables regarding the stage, grade, and recurrences that will effect to ultimate offer. Fortunately there are easy ways to ‘shop’ the market for cancer cases.
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. The Mayo Clinic says that “COPD is treatable and that with proper management, most people with COPD can […]
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 […]
What is sleep apnea? Sleep apnea is a disorder in which breathing is repeatedly interrupted during sleep. Complete cessation of breathing is known as apnea while hypopnea is partial cessation of breathing. Why do life insurers care if you have sleep apnea? During apnea episodes the oxygen level in the blood falls. Persistent low oxygen levels […]
Life Insurance and Multiple Sclerosis According to the National Multiple Sclerosis Society about 1 million people in the US have MS. It is very possible to get life insurance for someone with Multiple Sclerosis. The rating will be dependent on the severity of the disease. In MS the immune system attacks the myelin sheath, which […]
Can someone with mitral valve prolapse get life insurance?
Epilepsy, seizures and life insurance Finding the most favorable rating on life insurance for someone with epilepsy may require ‘shopping’ the case to several markets. Life insurers differ in their levels of experience and expertise in certain illnesses and impairments, including epilepsy. Consequently, life insurers can view the same case and yet make quite different […]
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 […]
Routinely we get calls from parents, seeking to obtain life insurance on their young children. Unfortunately, sometimes that child has a severe health condition and is uninsurable. We now have a solution with one of our highly competitive term (and UL) carriers! When a parent purchases their own policy with the Child Rider, all children […]