Life Insurance for Tobacco Users

If you use Tobacco and are looking for life insurance you have come to the right place! Although most Tobacco users are Cigarette Smokers if you use other forms of Tobacco: A cigar,  chewing tobacco or nicotine-based products, be aware that Carriers will handle each situation differently. I research the best carrier based on your.. More

Life Insurance and Sleep Apnea

Life Insurance and Sleep Apnea Can I get a Life Insurance Policy? The most common form of sleep apnea is obstructive sleep apnea (OSA). Diagnosis and severity are typically determined through an overnight polysomnography or Sleep Study, that will give the results of the Apnea Index and the Apnea/Hypopnea Index, as well as the oxygen saturation… More

Life Insurance After a Heart Attack – Can I get Coverage?

Life insurance After a Heart Attack Simple questionnaire to see if you might qualify ! Can you obtain a Life Insurance Policy after you have suffered a recent Heart Attack? Most carriers will want you to wait a specific time ( 1 to 2 years+. I do have some that will consider a 6 month.. More

Life Insurance for Tobacco Chewers

Life Insurance for Tobacco Chewers You may qualify for Non Smoker Rates! Life Insurance for Tobacco chewers, if you have been looking for Life Insurance and you chew tobacco you may be able to qualify for Non Smoker Rates! Most insurance carriers will place you as a Smoker. These rates, if you have looked around,.. More

Life Insurance For Type 1 Diabetics

 Life Insurance for Type 1 Diabetics Sorry, as of 2014, this carrier is no longer offering the product. For now and in the foreseeable future, Type 1 Diabetics, if under the age of 50, will have to consider a Fully Underwritten life insurance plan. There is no cost to you for this non-invasive plan. Contact.. More

Life Insurance : A Tool in your Financial Tool Box

This post is in support of the Why Life Insurance Is Important to You movement by Jeff Rose Life Insurance : A Tool in your Financial Tool Box. For several years I was a Reserve Deputy Sherriff in Northern Nevada.  In my training we always referred to the weapons on our duty belts, as Tools… More

Cheap Life Insurance Policies – Really?

Cheap Life Insurance Policies: This statement is all over the web. On a daily basis, I get a call from someone,  ” I want that $14 a month plan”.  Now I know, some of you are thinking “Really, that person believes that?”.  Yes, people do believe it , and yes, these plans can be obtained,.. More

Life Insurance Rates

Life Insurance Rates How are Life Insurance Rates Calculated? A client spoke with me today in regards to how Life Insurance Rates are determined. I wanted to share the information with my readers. Two main factors that influence Life Insurance Rates are a person’s general health or family medical history, and the second is the.. More

Life Insurance for Diabetics

Life Insurance for Diabetics Type 1 and Type 2 Life Insurance for Diabetics can be a challenge but is not impossible.  I have personally helped several people obtain life insurance policies. There are a few things you can do to help control the process. The key to success is “Control”. You must know your current.. More