Life Insurance FAQ's

Burial Insurance for Cancer Patients?

November 7, 2017

Can a cancer patient get burial insurance coverage?

Yes, in fact, there are burial insurance plans available for cancer patients and cancer survivors.

Most burial insurance policies are "guaranteed issue" which means you are guaranteed approved if you meet the age requirements which are ages 45-85 with some insurers, or maybe ages 45-75 or 40-80 with others.

With burial insurance you will not have to take any health exam or answer any questions about your health.

You may be able to purchase up to $25,000 of coverage from a single burial policy.

Learn more about burial insurance for cancer patients and cancer survivors.

Posted by hadley hadley. Posted In : Life Insurance FAQ's

Should I Buy Life Insurance on My Spouse?

November 4, 2017

Do I need life insurance coverage for my spouse?

It depends. Does your spouse work, earn an income and contribute to paying for the living expenses for your family?

Even if your spouse doesn't earn income, he or she may handle a lot of the work around the house taking care of the kids, running errands, grocery shopping, cleaning your home, making the meals, and everything else that gets done so your family can live a nice life.

Now imagine how much it would cost to hire someone to do all of the ...
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Posted by hadley hadley. Posted In : Life Insurance FAQ's

No Questions Asked Life Insurance?

November 1, 2017

Can I buy life insurance coverage without having to answer any questions about my health?

Yes, in fact, there are life insurance policies available with guaranteed approval which means you won't have to take a physical exam or answer any health questions.

Where you have been turned down, have chronic health problems or just don't want to answer any health questions when applying for life insurance, you can get insured - if you meet the age requirements for approval.

Life insurance carriers with ...
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Posted by hadley hadley. Posted In : Life Insurance FAQ's

How to Buy Life Insurance with a Pre-Existing Condition?

October 29, 2017

Is it possible for me to get life insurance if I have a health condition?

Yes, there are some life insurance policies available that may offer coverage for someone with certain health issues.

There are even "guaranteed issue" insurance policies offered to people ages 45 to 85. These are no exam plans that do not require you to answer any questions about your health. Your approval is guaranteed if you meet the age requirement.

Whether or not you qualify for a "fully underwritten" l...
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Posted by hadley hadley. Posted In : Life Insurance FAQ's

What is Term Life Insurance Quotes?

October 25, 2017

What are term life insurance price quotes and how do they work?

A quote for term insurance is an estimate of the annual cost for your term life policy based on the information you provide on the quote request form when requesting your life insurance quote.

You'll be asked some basic questions to get a free quote which may include your gender, age, state of residence, tobacco use, health, amount of life insurance coverage and duration of coverage needed.

Make sure you answer all questions truthfu...
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Posted by hadley hadley. Posted In : Life Insurance FAQ's

Life Insurance with Breast Cancer?

October 22, 2017

Can someone living with breast cancer get approved for life insurance?

Yes, there are insurers willing to insure people with breast cancer.

However, there are several factors that may go into your acceptance for coverage including your age, overall health, type of cancer, prognosis, treatment, etc.

Some insurers may be more competitive when it comes to insuring people who are breast cancer survivors or currently have breast cancer.

Here's how to learn about getting life insurance with breast cancer.

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Posted by hadley hadley. Posted In : Life Insurance FAQ's

Where to Buy Cheap Life Insurance?

October 19, 2017

If you're looking for a low cost life insurance plan to help you get the most protection at the lowest cost, you may want to follow a few tips:

Comparison Shop for the best rates among leading insurers.
Consider Term life insurance which cost a lot less than permanent insurance.
Get Healthy - Lower your cholesterol, lose weight, exercise and qualify for a better rate.
Drive Safer - People with DUI's and driving problems pay more for life insurance.
Quit Smoking - Smokers pay up to 2-3 times for fo...
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Posted by hadley hadley. Posted In : Life Insurance FAQ's

Can Smokers Get Life Insurance?

October 16, 2017

Is it possible for a smoker to get life insurance protection?

Yes, in fact, depending on how often you smoke, you may be able to qualify for good rates on your life insurance policy.

There are a few insurance carriers that are more lenient when it comes to classification of a smoker for life insurance and may offer better pricing based specifically on your actual frequency of smoking.

In addition, there is life insurance available for people who smoke cigarettes, e-cigs, pipes, cigars, marijuana...
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Posted by hadley hadley. Posted In : Life Insurance FAQ's

Does Life Insurance Pay for Funerals?

October 12, 2017

Will a life insurance policy pay for the cost of my funeral expenses?

Yes, the proceeds from life insurance can be sued by your beneficiary to help pay for the cost of your funeral.

However, the death benefit paid out to your beneficiary may be used by the beneficiary for any purpose that person chooses to use the money.

There are funeral insurance plans that are issued for the purpose of paying the cost of a funeral.

In addition, these plans may offer guaranteed approval which means you won't ha...
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Posted by hadley hadley. Posted In : Life Insurance FAQ's

Does Life Insurance Cover Cancer?

October 9, 2017

If I own a life insurance policy and die from cancer, will me beneficiary receive a payout on my life insurance death benefit?

Yes, life insurance policies usually cover natural death and accidental death, but not intentional acts.

If you answered all questions truthfully on the application for life insurance, the insurer should pay out a claim on your policy subject to any exclusions in your policy.

However, if you had cancer when you applied for life insurance, and you did not advise the insur...
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