We aren’t talking about kitchen tables. In your search for affordable life insurance, you may have heard of the terms “life insurance tables” or “table rating”. Or, you may have applied for life insurance, only to find out you are offered a “table rating”. You probably have no idea what this means. In this article, we discuss life insurance underwriting and the importance of understanding life insurance tables (hint: money!). Knowing the difference and knowing how the life insurance tables work can save you thousands over your lifetime.
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.
You were declined for life insurance. The agent says your only option is a guaranteed issue life insurance policy. But, the policy has a waiting period. You don’t like that. You want a guaranteed issue life insurance policy with no waiting period.
You’ve come to the right place. We can help.
John, my agent says that is impossible.
That is the usual response, but no, it is not impossible. We have 3 opportunities where people can obtain life insurance at guaranteed issue with no waiting period.
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 or loved one with Down Syndrome and are thinking about obtaining life insurance on their 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.
People with disabilities may feel life insurance is out of reach.
That’s not entirely true. People with disabilities can obtain life insurance.
If you have a disability, life insurance is likely available.
You just need to know the life insurance options for your situation.
We have helped many people with disabilities obtain the best life insurance rates for their situation. I am sure we can help you, too.