Tag: Life Policy

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

Updated: January 18, 2025 at 11:47 pm

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. We even offer a fully underwritten life insurance option with no waiting period. It’s true! (More on that option later in the article.)

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

Does Life Insurance Affect Your Medicaid Eligibility? It Can. We Discuss 3 Options That It Won’t

Updated: August 16, 2024 at 7:16 pm

Medicaid, life insurance, and Medicaid eligibility.

These together aren’t like peas and carrots. More like oil and water!

Far too often, people applying for Medicaid find out that their life insurance policy can disqualify them from Medicaid eligibility and benefits. This is true.

You may have heard different information about Medicaid eligibility and life insurance. Frankly, much of the stuff you read on the internet is inaccurate.

In this article, we dispel the inaccuracies and tell you what you need to know about how Medicaid works with life insurance, especially when it comes to qualifying for Medicaid (or nursing home care paid by Medicaid).

Continue reading Does Life Insurance Affect Your Medicaid Eligibility? It Can. We Discuss 3 Options That It Won’t

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

Updated: April 12, 2024 at 9:38 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.

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

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

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.

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

3 Life Insurance Options For People With Rheumatoid Arthritis [Approved! And, Here’s How]

Updated: April 12, 2024 at 9:38 am

If you have rheumatoid arthritis, you may wonder if you can purchase life insurance.

The answer is more often than not, “yes”. You most certainly can obtain life insurance if you have rheumatoid arthritis. Additionally, as we will discuss, you’ll probably have affordable life insurance options available.

Continue reading 3 Life Insurance Options For People With Rheumatoid Arthritis [Approved! And, Here’s How]