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How to Buy Life Insurance With Chronic Back Pain

Written by Ty Stewart

Life insurance underwriters will view the application of someone whose back pain is caused by a serious health problem such as cancer very differently than someone with an overuse injury.  Those differences directly impact rates, lead to denials, and are the reason for…

How to Buy Life Insurance After A Heart Stent Procedure

Written by Ty Stewart

One question we’re regularly asked is how to buy life insurance after a heart stent procedure. New clients are often worried that they missed their chance to buy life insurance or the cost will be out of reach once faced with the reality that they need it. We’re always happy to tell people that

Unbiased Life Insurance Review of TIAA

Written by Ty Stewart

As part of our commitment to help our clients purchase the best life insurance at the best rates, we provide unbiased life insurance reviews.  Here we review TIAA, or TIAA Cref, as it was formerly known. This review will cover their company information, types of….

Can I Get Life Insurance if I Have Scleroderma?

Written by Ty Stewart

As with any preexisting disease, life insurance companies are going to take a careful look at your application.  The truth is, qualifying for coverage is going to be harder than if you were in perfect health. Understanding how…

An Unbiased Columbus Life Insurance Review

Written by Ty Stewart

For example, Columbus Life sells insurance to a few niche markets, including marijuana users, but perhaps they don’t sell to someone with a certain preexisting health condition.  We are familiar with the underwriting guidelines at…

Getting Life Insurance with Kyphosis

Written by Ty Stewart

Since Kyphosis is highly treatable, it’s typically not a major issue for life insurance companies. You will likely be approved for your policy, and typically at standard or preferred rates. Only when the condition is extreme is there the possibility of…

Kansas City Life Insurance Unbiased Review

Written by Ty Stewart

There are more than 800 life insurance companies operating in the United States. How do you pick the right one? As an independent broker, we are NOT an employee of Kansas City Life and are able to provide a fair and unbiased review for consumers. Later, we’ll also show you how to compare and make.. More

How to Buy Life Insurance after a Diagnosis of Bundle Branch Block

Written by Ty Stewart

All life insurance companies have different underwriting guidelines, but some are more lenient than others.  We’ve helped many people with Bundle Branch Block because we know who will view your condition most favorably. Underwriters will require…

Sun Life Financial Review

Written by Ty Stewart

Sun Life Financial has a reputation for financial strength and has survived during some of our countries worst economic times.  They have accomplished this through their four-pillar strategy of unwavering focus on their clients, innovation, digital advances, and…

How to Buy Life Insurance When You Have Cushing’s Syndrome

Written by Ty Stewart

Although this may sound worrisome, applying to companies who view Cushing’s more favorably than others will help you get the best policy.  We’ve helped many clients with Cushing’s buy life insurance.  We know how each company views the condition and…

Getting Life Insurance with Blood Clots

Written by Ty Stewart

For life insurance companies, the main issues with blood clots are the severity and the timeframe. The incidence doesn’t usually result in an automatic decline. But the company is very likely to charge a higher premium to compensate for the additional risk that blood clots create.

Getting Life Insurance with Gout

Written by Ty Stewart

Since gout isn’t a fatal condition, and rarely causes serious complications, your application should be approved. If you only have occasional attacks, you may be eligible for Preferred status, or even Preferred-Plus. These ratings will enable you to get the lowest priced premium for your…