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Updated: April 12, 2024 at 9:38 am
Have you heard of participating vs. non-participating life insurance and wonder what the hubbub is all about?
If so, you are not alone.
Yeah, John. All I need is a life insurance policy death benefit to cover me in case of my unexpected death.
If that is the case, then you should read this article because you could apply for something that doesn’t fit your needs.
Updated: April 12, 2024 at 9:38 am
You’ve been told that people with Down Syndrome can’t get life insurance. However, that is not true.
People with Down Syndrome can obtain life insurance. That is right.
If you have a relative, family member, or loved one with Down Syndrome and are thinking about obtaining life insurance on his or her life, you have come to the right place. We have helped many families with children, young adults, and older adults with Down Syndrome obtain life insurance.
Updated: April 12, 2024 at 9:38 am
I think you’ll agree that smokers have a hard time finding affordable and cheap life insurance.
Premiums are nearly double or triple – or much more – compared to that of non-smokers.
However, it is possible for smokers to obtain cheap life insurance, sometimes even at non-smoking rates.
Updated: April 12, 2024 at 9:38 am
Many people ask me if they can obtain life insurance on their grandparents.
Yes, you can.
In fact, doing so can be a very easy process. Many life insurance companies have made it easier for grandchildren to buy life insurance on their grandparents.
Having said that, there is a process you must follow.
Moreover, other coverage options exist if your grandparents don’t want to go through the life insurance process.
Updated: April 12, 2024 at 9:38 am
An agent talks to you about disability insurance, but then mentions the “elimination period” or waiting period.
Your eyes glaze over and that stops you from proceeding. Or, you briefly discuss it, and then you have a wrong impression of how it works.
Then, you will have a misstep down the road if you ever file a claim.
I already know what it is, John. It’s a probationary period.
Nope.