3 Bad Consequences Of Lying On A Life Insurance Application

Updated: February 4, 2024 at 7:39 am

Fibs, Lies, and Life Insurance - Blog for My Family Life InsuranceThe unfortunate truth is that people lie all the time, and many people lie on life insurance applications.

How do I know? I’ve witnessed it. I’ve been doing this for a long time. I’m a CFP Professional and licensed insurance agent.

If you are applying for life insurance, I encourage you to read this article. Many other articles on this topic are written by freelancers and writers who have never worked with a client, looked a client in the eye, or sold a policy.

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Ultimate Guide To Understanding Life Insurance With Living Benefits | We Discuss How These Plans Work And If They Are Right For You

Updated: December 3, 2023 at 11:12 am

Have you heard of life insurance with “living benefits”?

Yes, John. I looked up living benefits of life insurance and got confused. Also, I spoke to another agent who really couldn’t describe them. 

I understand. I read those same articles. They unfortunately lead readers astray. You end up not really knowing what living benefits are and how they work.

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The Best Life Insurance Riders And Ones You Don’t Need

Updated: November 4, 2023 at 7:28 am

Cowboy Silhouettes
Wait, no, not those kind of riders.

Many life insurance companies offer life insurance riders for policyholders. Life insurance riders allow policyholders to customize their policy to their needs and wants. Like a knot, they attach to your base life insurance policy.

Of course, the more you customize, the more your policy costs.  Carriers charge an additional cost for some of these riders.

What? 

Yes, many riders come with an extra cost. Sometimes, the cost is worth it. Other times, it is not.

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This Is How People With Down Syndrome Obtain Life Insurance | Your Guide To Obtaining Life Insurance On Your Loved Ones

Updated: September 16, 2023 at 10:10 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.

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Yes, Smokers Can Obtain Cheap Life Insurance Rates. Sometimes Even At Non-Smoking Rates. Here Is How.

Updated: November 19, 2023 at 8:09 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.

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