Cervical cancer and life insurance Cancer.org says that cervical cancer was once one of the the most common causes of cancer cancer death for women. But over the last forty years the death rate has decreased by over 50%. This may primarily be due to to the widespread use of Pap Tests as a cancer […]
The rating for life insurance for someone with GERD is dependent on a number of factors. Barrett’s Esophagus cases should be ‘shopped’ to the market since life insurance carriers view the risk differently. Learn how to rate a GERD or Barrett’s Esophagus case.
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 […]
If you think you are immortal? I beg to differ and so does the Social Security Administration. See the US Social Security Mortality Table 2013 Based on their table I’ve calculated some odds. Our clocks are always ticking. Male Age Odds you’ll be dead in 20 years Odds you be dead in 30 years 30 4.72% […]
50 million people worldwide are living with Alzheimer’s and other types of dementias. Alzheimer’s is a degenerative brain disease and the most common form of dementia. #LongTermCare #EndALZ Source: Alzheimer’s & Dementia | Alzheimer’s Association
November is LTC Awareness Month making it a good time to have conversations about the impact Alzheimers and other diseases can have on retirement plans. Source: Alzheimer’s Awareness Includes Long-Term Care Awareness | ThinkAdvisor
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 […]