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Updated: April 12, 2024 at 9:38 am
If you are like most people, you probably don’t think about how your driving record affects your life insurance rates.
However, a bad driving record can negatively impact your life insurance application and negatively impact your life insurance premiums.
Negatively in the form of higher rates!
Moreover, in some cases, carriers will even decline your application.
Updated: April 12, 2024 at 9:38 am
Practically every day, people ask me if the life insurance policies they are enrolling in will pay out for death due to a drug overdose.
It is a valid question. Especially today with the rise of fentanyl deaths and drug overdoses.
The short answer: yes, life insurance companies will pay the death benefit if you or a loved one die from a drug overdose.
Updated: April 12, 2024 at 9:38 am
Every day, someone asks me if they can buy life insurance if they receive SSDI benefits.
The answer is, yes, you can.
No, John. Another broker told me I couldn’t!
I hear that a lot. Unfortunately, you were misinformed, and the broker is incorrect.
If you are receiving SSDI benefits, you can obtain life insurance. That is a fact.
Updated: April 12, 2024 at 9:38 am
You purchase disability insurance to protect your income and wealth in case you are sick or hurt and can’t work. However, did you know that most disability insurance plans do not cover pre-existing conditions?
No, John, I did not know that!
Yes, that is right.
Actually, I would guess that all private, individual disability insurance plans exclude any pre-existing conditions or lifestyle situations from coverage.
However, as we will discuss, having a pre-existing condition doesn’t mean you should avoid or not accept this very important insurance.
If you have pre-existing conditions, and most people do (including me), you can still obtain disability insurance.
Updated: April 12, 2024 at 9:38 am
As a photographer, you have an eye for capturing reality. No two photo shoots are the same!
But, if you are like most photographers, you probably don’t think about protecting your wealth and income with disability insurance. Or, even if you need it at all.
What if you could no longer do your job if you are sick or hurt? Have you ever thought about that?
Have you ever thought about what would happen if you became sick, ill, injured, and disabled?
How would you pay your bills if you could not work?