Impaired Risk

Securing Life Insurance After a Heart Attack

Many people have the misconception that because you’ve had a heart attack, you can’t qualify for life insurance.  This is absolutely FALSE.  We regularly secure coverage for our clients that have had a heart attack.  Many life insurance agents play the game of “submit and pray” – not having a clue what will happen in […]

Life Insurance with Sleep Apnea

Over the past few years, life insurance rates with sleep apnea have been declining because life insurance companies are giving better health classifications. Back in 2009, a “Standard” health classification used to be the best case scenario.  Now we’re seeing preferred and preferred plus offers consistently!  If you’ve purchased a policy within the last 5 […]


Life Insurance with Multiple Sclerosis

Life insurance is one of the most important purchases that you’ll ever make for your family. It’s the best safety net that you can buy for your loved ones. If something tragic were to happen to you, your life insurance would give them the resources that they needed to get through the difficult time without […]

smoker life insurance

Best Term Life Insurance for Smokers?

Life insurance is one of the most important decisions that you can make for the future security of your family. It’s the best safety net that you can buy, but finding the perfect plan can be a long and confusing process, especially if you’re a smoker. For smokers, term life insurance rates are typically more […]

life insurance with arthritis

Arthritis and its Effect on Life Insurance Rates

If you’re in the market for life insurance and have arthritis, please take 3 minutes to read our article. We know that finding the perfect life insurance policy can be a long and complicated process, but if you have a severe health complication like arthritis, it can be even more frustrating. Finding an affordable life […]

basal cell

Qualifying for Life Insurance with Basal Cell Carcinoma, Squamous Cell Carcinoma, or Melanoma

If you’re one out of the five Americans who have developed skin cancer, whether it’s basal cell carcinoma, squamous cell carcinoma, or malignant melanoma, you might be wondering how your diagnosis affects your ability to qualify for life insurance, as well as what rates you might expect to obtain.    The first thing that you should […]

life insurance with lupus

Affordable Life Insurance with Lupus

Life insurance is one of the most important purchases that you’ll ever make for you and your family. It’s the best safety net that you can buy and one of the few ways that you can ensure that your loved ones are going to have the money that they need if anything tragic were to […]

life insurance disorder

Smokeless Tobacco Use and Life Insurance

Thousands of smokeless tobacco users avoid buying life insurance until they can give up the habit, while thousands more pay more than they should for their policies. They either shun or pay excess amounts because they are subjected to tobacco smoking life insurance rates, which are typically more than double the standard rates. While it […]

Marijuana Life Insurance

How Life Insurance Companies View Marijuana Smokers

(Marijuana underwriting guidelines below updated in October 2016.  Lots of favorable changes!) I think you’ll agree with me when I say it’s hard to find life insurance when you smoke marijuana.  Some companies flat out decline, some companies charge you a lot and others seem too good to be true. It turns out it’s actually […]

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