Category Archives: Life Insurance

Can Cancer Survivors Get Term Life Insurance?

If you are a cancer survivor, you may have been told by well-meaning friends and family that you will not be able to buy term life insurance. While this may have been the case a number of years ago, that is certainly not the case today. In fact, in America today there are millions of cancer survivors, and there are certainly term life insurance policies available to them. While having … Read More

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Making Sense of Life Insurance Ratings

Many people have told me that when they apply for term life insurance, they get a little nervous. Because let’s face it – life insurance can be a squeamish topic; it puts your health under a microscope and forces you to think about the future. But another reason that many people get nervous is simply because they don’t know much about the product they are purchasing! They are about to … Read More

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5 Questions to Ask Before Purchasing Term Life Insurance

There are two main advantages of buying term life insurance as opposed to permanent life insurance: Term life insurance is cheaper, and simpler. However, just because term policies themselves are more straightforward doesn’t mean that you should sign on the first one you are offered. As with any important decision, you should be an informed consumer! Here are five questions that you should ask before purchasing term life insurance: 1. … Read More

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Health Conditions that Will Impact Your Life Insurance Premiums

There is good news and bad news when it comes to the monthly premiums of your term life insurance. The good news is, your monthly premiums will be determined by your current state of health; the bad news is, your monthly premiums will be determined by your current state of health. Why is that both good news and bad news? Well, it’s good news because there are many aspects of … Read More

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Avoiding Estate Taxes on Life Insurance

Last week we wrote about the importance of estate planning no matter what financial bracket you fall under. And we mentioned that having an estate plan is especially important if you want to make sure your loved ones get the full benefit of your life insurance. Because even though life insurance is not subject to state and federal taxes, it CAN be included in your estate taxes, which means that … Read More

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