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.
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’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 them, 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.
If you have a disability, or you support someone with a disability, life insurance is likely available.
While a disability could mean disclosure on a life insurance application, the disability is not, by any means, usually a decline. You just need to know what your options exist for your situation.