🎯 Bottom Line Up Front Can you get life insurance with coronary artery disease? YES. While CAD presents underwriting challenges, many people with this condition can obtain coverage ranging from standard rates for well-controlled cases to table ratings for more complex situations. From an insurance perspective, CAD represents a significant risk factor because it’s the […] Read more

🎯 Bottom Line Up Front Can you get life insurance with anxiety? YES. Most people with anxiety can obtain life insurance coverage, with mild to moderate anxiety often qualifying for standard or better rates. Even with severe anxiety, alternative coverage options may be available. From an insurance perspective, anxiety is generally viewed as a manageable […] Read more

🎯 Bottom Line Up Front Can you get life insurance with Ozempic (semaglutide) use? YES. Coverage depends on the underlying condition being treated, treatment stability, and whether use is for FDA-approved diabetes management or off-label weight loss purposes. From an insurance perspective, Ozempic presents unique underwriting considerations based on its intended use. For diabetes management, […] Read more

Deciding on the right life insurance coverage is deeply personal, as it’s about protecting the people you love most while keeping your budget in mind. That’s why many families find themselves drawn to a $50,000 policy—a thoughtful middle ground that offers more than just basic burial coverage. It provides a meaningful safety net, yet it […] Read more

Getting a term life insurance quote feels straightforward until you encounter the detailed health questionnaire and realize that everything from your cholesterol levels to weekend hobbies could significantly impact your premium rates. This is why we created this comprehensive guide on how health and lifestyle factors influence term life insurance rates, revealing the specific underwriting […] Read more

The $100,000 life insurance policy occupies an interesting middle ground in coverage discussions – substantial enough to feel meaningful, yet modest enough that financial advisors often question whether it provides adequate protection. This six-figure coverage amount doesn’t fit neatly into either the “basic final expense” or “comprehensive family protection” categories that dominate insurance marketing. What […] Read more

Cremation is becoming an increasingly popular funeral option, as more and more people are choosing this method of disposition for themselves or their loved ones.  And while there are a wide variety of reasons why someone might choose to be cremated or have a loved one cremated, the cost can and often will play a […] Read more

Long-term care (LTC) is a significant financial burden that can impact one’s financial security in retirement. With the cost of long-term care rising every year, many people are turning to insurance to help offset these expenses. One option is to add a long-term care rider to a life insurance policy, which provides coverage for LTC […] Read more

With so many options available in the market, it can be overwhelming to choose the right policy that meets your needs. After all, even though purchasing a policy might be easy, choosing which policy to purchase requires careful consideration of several factors, including the type of policy, coverage amount, premiums, and the insurer’s financial strength. […] Read more