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    Archive for the ‘ Impaired Risk Life Insurance ’ Category

Life Insurance with Mitral Valve Prolapse

Oct 20, 2012 Impaired Risk Life Insurance

Life Insurance with Mitral Valve Prolapse - Today I got a call from a 64 year old male with a condition called Mitral Valve Prolapse (MVP).  He was looking for $200k of 20 year term life insurance.  He wanted to know how he would be rated for his condition. 

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Life Insurance With High Cholesterol: How Will High Cholesterol Blood Levels Impact Your Life Insurance Quotes

Oct 18, 2012 Impaired Risk Life Insurance

Life Insurance With High Cholesterol - I recently got a call from a 47 year old male looking for life insurance quotes.  He is a banker making $80,000/year and he has no life insurance.  He has a wife and a 12 year old son.  He wanted a quote for $1 million of 30 year term.  One of his high school classmates recently died of a heart attack and that got him thinking.  Then, he went to have a physical and found out that his blood cholesterol level was 300

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Can I Get Life Insurance With Type 2 Diabetes?

Aug 27, 2012 Impaired Risk Life Insurance, Life Insurance Quotes, Life Insurance Rates

Yes You Can Get Life Insurance With Type 2 Diabetes

Yes, life insurance is available to you if you have Type 2 Diabetes.

Several life insurance companies specialize in underwriting Type 2 Diabetes.  InsuranceGlobe.net knows which companies to go to in order to get you the best life insurance rates.

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Super Preferred Life Insurance Rates With Type 2 Diabetes

Jan 20, 2012 Impaired Risk Life Insurance, Life Insurance Quotes, Life Insurance Rates

We specialize in finding the lowest cost life insurance rates for our clients.  If you are dealing with a life insurance agent that works for only one company, then you are probably paying too much for your life insurance.  We are an indepent life insurance agency and on each and every case we work with our clients to find them the best life insurance rates.

If you have type 2 diabetes, you may still be able to obtain super preferred rates on your life insurance.  Very few companies are willing to do this, but we know which life insurance companies are willing to do so.  In order to qualify, you must have excellent control of your type 2 diabetes.  In addition, you must satisfy all other super preferred criteria.  Some of the things that could disqualify you from qualifying for super preferred life insurance rates are being overweight, alcoholism, high cholesterol, high blood pressure, family history, personal history of cancer, smoking, driving record, drug abuse, criminal record, foreign travel, foreign residence, depression, anxiety, hazardous hobbies or occupations, high hdl/cholesterol ratio, etc.

If you have type 2 diabetes or anything else and you would like for us shop your life insurance and find you the best life insurance rates available, please call us at 1-888-950-TERM.

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Life Insurance Quote For People With Type 2 Diabetes

Jan 17, 2012 Impaired Risk Life Insurance, Life Insurance Quotes, Life Insurance Rates, Uncategorized

If you have type 2 diabetes and would like to get a very competitive life insurance quote, we can help you.

In order to get you a competitive life insurance quote, we will need some information regarding your type 2 diabetes.  First and foremost, we need to know your most recent HbA1c level.  This is the main thing that life insurance companies look at.  The HbA1c level measures your average blood sugar levels over the last 6 to 12 weeks.  For someone with diabetes the goal is to be under 7%.  In addition, the life insurance companies will want to know the following:

  • Age of diabetes onset
  • Height and weight
  • Medications and dosages
  • Complications from diabetes
  • Are you a smoker?
  • Any other medical conditions?

For a competitive life insurance quote, call us today at 1-888-950-TERM and we will take this information and shop it to all the life insurance companies we work with to get you the lowest price possible on your life insurance.

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Life Insurance For People With Depression Or Anxiety

Dec 23, 2011 Impaired Risk Life Insurance, Life Insurance Quotes, Life Insurance Rates

If you are looking for life insurance with mild depression or anxiety, we may be able to help you.  We recently helped a client with anxiety get preferred plus rates on his life insurance.  We were contacted by a 51 year old banker who lost his job in June when his office closed, which resulted in anxiety for which his doctor prescribed medication.  He then found a new job in September, his anxiety has been resolved and the medication is no longer needed.  We were able to get him coverage at preferred plus rates.

If you have a history of anxiety or depression and you are looking for life insurance, please give us a call and we will get you the best life insurance rates based on your situation.  Please call us at 1-888-950-TERM(8376).

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LIFE INSURANCE FOR SENIORS OVER 70

May 27, 2011 Impaired Risk Life Insurance, Life Insurance 101, Life Insurance Products, Life Insurance Quotes, Life Insurance Rates, No Exam Life Insurance, Senior Life Insurance, final expense

Age is one of the elements that impacts the cost of life insurance. Everything else being equal, the older you are, the more expensive the policy will be. Consequently, the longer you wait to get life insurance the more expensive it will be.  Even if you have waited this long to get life insurance, the good news is that it is still possible to get life insurance protection. First, you always can decide on a fully underwritten policy, which in many cases will be the least costly, and submit yourself to a medical exam. With the results of a medical exam the insurance company will have a better understanding of your health situation and thus be able to offer you the best possible premium based on your medical exam results. Or, for whatever reason, you may opt for a no-medical exam policy. What is important to know is  that, depending on your health situation, you could still get life insurance even if you are 70, or even above 70 years of age. One possible answer is SIMPLIFIED ISSUE LIFE INSURANCE, which are whole life policies that do not require a medical exam but for the applicant to simply answer a few health questions.   Your answers to these health questions will determine whether or not you qualify for a SIMPLIFIED ISSUE LIFE INSURANCE policy. After the death of a loved one, many families are faced with unexpected expenses, including medical bills, funeral expenses, legal fees and unpaid bills.  There are a handful, or so, of life insurance companies that offer SIMPLIFIED ISSUE LIFE INSURANCE, which provide the funds to help the family with these expenses, if there are not enough resource in your estate.

If you qualify, you can have immediate protection or graded protection. On a typical policy, and as long as the required premium is paid on a timely basis, the insurance company cannot cancel the policy, cannot reduce your benefits and cannot increase your premium, regardless of the level of benefit approved. Immediate protection means exactly what it says, namely, the entire benefit is paid on day one if the insured dies.  But, what if you do not qualify for immediate protection? For most individuals who do not qualify for immediate coverage, there is an alternative. You may qualify for a policy that provides GRADED BENEFITS. Under GRADED BENEFIT the policy will pay a fraction of the death benefit if the insured dies within the first year from the policy issue date (for instance, return of premium plus 5%); a greater fraction of the death benefit is paid if the insured dies on the second year of the policy(for instance, the greater of return of premium plus 10%, or 50% of the face amount); and, then, on year 3 and thereafter, 100% of the death benefit is paid. There are other variations of this formula, but not too different.

How do you know if you qualify for  LEVEL (immediate) BENEFIT, or for GRADED BENEFIT? A typical SIMPLIFIED ISSUE LIFE INSURANCE policy contains a one-page (usually) questionnaire with health-related questions. It has either two parts of three parts. If you answer “NO” to any of the questions on the first part you will not qualify for any benefits under the policy. As an example of what the questions in part one are:

  • Do you use a wheelchair, other than for a temporary impairment expected to last less than 2 months?
  • Do you receive assistance with daily activities such as taking medications, bathing, dressing, eating or toileting? Home health care or hospice care?
  • In the past 5 years – have you been diagnosed with, or received treatment for an organ or tissue transplant, Alzhemire’s disease, dementia, or amyotrophic lateral sclerosis (ALS)
  • Have you tested positive to HIV, or been diagnosed with having ARC or AIDS caused by the HIV infection, or other sickness or disease derived from such infection?
  • In the last 12 months – have you used oxygen to assist with breathing? Received kidney dialysis?

If you answered “NO” to all of the above (typical) questions (they vary from insurance company to insurance company), then you will move to Part 2 and sometimes Part 3, which will determine if  you are eligible for LEVEL BENEFIT or GRADED BENEFIT.

At present, SIMPLIFIED ISSUE LIFE INSURANCE (sometimes referred to as “final expense insurance“) is issued up to age 85 and in amounts ranging from $2,000 to $75,000.

We hope that this post has been helpful to you.  If you have any questions, would like a life insurance quote, or would like to initiate the process of filing a life insurance application with one of the insurance companies that offer SIMPLIFIED ISSUE LIFE INSURANCE, please, e-mail us at info@insuranceglobe.net , or call us at either of these numbers:

  • 888-950-8376           
  • 786-353-2528
  • 305-807-4780

Thank you!

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Life Insurance and Foreign Travel

May 9, 2011 Impaired Risk Life Insurance, Life Insurance Quotes

If you travel to any of the countries on the U.S. Department of State current travel warning list there is a good chance you will be declined for life insurance.  However, certain states do not allow insurance companies to rate or decline their residents soley for foreign travel.  For example, we just worked on a case for a Georgia resident who is going to Iran for 2 months.  Ordinarily, he would have been declined, but we were able to write him at super preferred, because he is a resident of Georgia.  Other states that have restrictions are California, Colorado, Connecticut, Florida, Georgia, Illinois, Massachusets, Minnesota, Missouri, New Jersey, New York, Tennessee, Virginia and Washington (state).  Not every life insurance company interprets these laws the same, so you need to know which insurance company to go with.  For example, one insurance company we spoke with wanted to add $7.50 per every $1,000 of death benefit.  In this case, the client wanted $200,000 of coverage, so he would have had to pay an additional $1,500 per year.  This is an area that many agents do not come across frequently and therefore do not have the experience to handle such a case properly.  If you are planning on traveling to a high risk country and you need life insurance, please call InsuranceGlobe.net at 1-888-950-TERM.

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Life Insurance Declined?

Feb 28, 2011 Impaired Risk Life Insurance

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Life Insurance Quotes and High Blood Pressure

Dec 29, 2010 Impaired Risk Life Insurance, Life Insurance Quotes

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