How Your Driving Record Affects Life Insurance Rates

We get it. Nobody is perfect. 8 people are slapped with speeding tickets every minute in the US. A simple speeding ticket may not seem like a big deal. "I'm a safe driver" you are thinking. The truth: Your life insurance company will care.....
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Life Insurance with Epilepsy and Seizures: What You Must Know

According to the Epilepsy Foundation, more people live with epilepsy than autism, Parkinson's disease, cerebral palsy, and muscular sclerosis, COMBINED. You are certainly not alone here. You are also not alone in wanting to protect your family with life insurance. Now you also are not alone in finding the fairest and most affordable coverage....
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Life Insurance and Alcohol Abuse: Can I Get Approved?

You have put your alcohol issues in the past and should be commended. We are NOT here to tell you the risks of alcohol abuse. I think you are well aware and I don't want to insult you. It is, however, important to understand how the insurance carriers look at this risk....
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Life Insurance with High Cholesterol: How to Pay Low Rates

Cholesterol and triglycerides are fatty substances found in the bloodstream. When the level of lipids is high, this is known as hyperlipidemia. Hyperlipidemia can lead to a build-up of the lining of the blood vessels. Ultimately, this prevents oxygen from reaching the heart. As you can imagine, this is a serious concern when applying for life insurance....
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Life Insurance Table Ratings Explained

Everyone that applies for life insurance will be "rated" one way or another. If it sounds cold and hard, that's because it is. If you are generally in good health, you will fall into one of the 4-6 regular health classifications. The better the health class, the lower your premiums.
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Getting Approved for Life Insurance with Anemia

Your overall health situation will determine whether you are approved or denied, and how much you pay in premiums. Anemia is only part of that equation. On its own, anemia is typically not a life threatening condition. It can, however, have complications or be....
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Life Insurance with High Blood Pressure: 8 Important Questions Answered

Great news! Despite what you may have heard, you CAN qualify for low life insurance rates even if you have high blood pressure. A little bit of bad news. It’s not quite as easy as just applying at a bunch of companies....
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Life Insurance For Stroke Victims: 8 Things You Must Know

Getting approved for life insurance after a stroke is no easy task. DO NOT just go throwing out a bunch of applications to a bunch of insurance companies hoping one sticks at an affordable rate....
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Life Insurance After a DUI or DWI: 6 Important Questions Answered

Expect to pay more for your life insurance if you have a DUI on your driving record. Some of you reading this may have already been declined altogether or been told by another agent that you can't get coverage. However, all hope is not lost. You can get affordable....
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Life Insurance Contestability Period

The two-year contestability period exists to protect insurance companies from financial loss. Life insurance premiums are based in large part on the medical history and lifestyle of the insured. Things like smoking, using other tobacco products, or participation in dangerous hobbies will lead to higher premiums to account for....
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Life Insurance with Asthma: 5 Things You Must Know

You CAN get life insurance at a good price having asthma. For some of our clients, we have secured as low as Preferred Plus rates (that is the best)....
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Life Insurance with Depression: You Deserve to Be Treated Fairly

Depression is a common mental health disorder that affects 6.7% of Americans. You are certainly not alone in dealing with it. You are also NOT alone in the life insurance process. You can expect...
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