According to the Mayo Clinic, there are 3 million new cases of Alzheimer’s disease each year. This condition is tough on families and loved ones. If you or a family member have Alzheimer’s disease, you probably think that you can’t obtain burial insurance. That is simply not true. Sure, there might be life insurance carriers that decline you, but there others that won’t. You just need to know where to look and the right type. Whether you were just diagnosed with dementia or Alzheimer’s disease, or you are looking for someone else, burial insurance is available.
Huntington’s Disease is a genetic condition which affects the nerve cells in a person’s brain. If you or a family member have been diagnosed with Huntington’s Disease, you can still obtain life insurance. Will it be the best life insurance for you? Likely not. You may be eligible for burial insurance, which is a type of life insurance. It is not perfect, but it is life insurance. Moreover, you will likely qualify for burial insurance even if you have Huntington’s Disease. In this article, we discuss burial insurance for people with Huntington’s Disease as well as other life and burial insurance options.
We can’t stress enough the importance of life insurance. (And, no, we aren’t that type of life insurance agent as displayed in the movie, Groundhog Day). But, we have seen what happens when people and families go without it. Unfortunately, many people just can’t obtain life insurance. They either have a severe lifestyle situation or a health condition that carriers deem too risky to insure, or insure affordably. Conversely, they are healthy, but they don’t want to go through the hassle of underwriting. In this article, we discuss a few options if you can’t obtain life insurance or if you just want a simple process, including affordable guaranteed issue life insurance.
You feel good. You just completed a life insurance application, something on your “to-do” list for awhile. A week goes by, and you don’t hear anything. A couple of days later, you receive a letter from the carrier. You open in earnest, only to read that you have been declined for life insurance. You are upset and don’t know what to do next. Declined for life insurance? Don’t worry. Chances are you can still obtain life insurance coverage. How? We outline the steps next. In this article, we discuss what to do if you are declined for life insurance. [Read more…]
Can I obtain life insurance if I have HIV? The short answer – yes.
The life insurance industry is changing for the better. Some insurers are not only adjusting policy premiums through monitored healthy ways (like fit bit), but also opening or expanding insurance coverage opportunities to impaired health conditions such as type 1 diabetes. These coverage options are greater today thanks impart to technology, advances in health care, and people generally living longer with these conditions. The Huffington Post even reported that young Americans living with HIV have a great chance of living into their 70s. [Read more…]