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.
Sure, your health condition will play a part in the underwriting, but you can still obtain life insurance.
In this article, we discuss everything you need to know about purchasing life insurance when afflicted with rheumatoid arthritis. We will go into the underwriting in more detail and what underwriters look for. Additionally, we offer case study examples of people with rheumatoid arthritis.
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.
Life insurance has many advantages. One advantage is the beneficiary receives the death benefit free from income tax. Another advantage is that the death benefit money passes directly to your beneficiary, outside of the probate process. While that is great, it underscores the importance of beneficiary designations. Naming the wrong beneficiary creates problems and potentially expensive solutions to fix. In this article, we discuss proper beneficiary designations and common beneficiary designation mistakes.
You understand that, yes, you need life insurance. However, you don’t have a social security number. Maybe you’ve applied elsewhere, and the carrier declines your application because you don’t have a social security number. You are concerned about your family and loved ones if something were to happen to you. You know you need life insurance. However, you need the right documentation. Is that holding you back? Luckily, we have options. In this article, we discuss life insurance for people without a social security number.