Category: Health and Fitness

What is an accidental death and dismemberment insurance (AD & D)?

post thumbnail

Few people understand the complexity of life insurance and its proper use.  There are numerous policies that can be bought if you have the money and you meet the requirements. Besides policies, you can attach a series of riders and customize them even more. Even life insurance without medical examination can be customized. A commonly chosen rider is accidental death and dismemberment insurance (AD&D). In this blog post we will explain what is an accidental

Posted in Health and Fitness, Insurance

Top 3 Best Life Insurance Policies for Senior Citizens!

post thumbnail

Although it is not legally compulsory, life insurance is a very useful service and it can save your family from unpleasant financial difficulties. Although they are not always the preferred clients, seniors can still get life insurance. Here are the top 3 best life insurance for seniors: Term life insurance. Term life insurance is not typically very suitable for senior citizens. Its premiums are heavily influenced by the age of the insured. And since you

Posted in Health and Fitness, Insurance

Prostate cancer and the importance of a life insurance!

post thumbnail

 There are few diseases more terrifying than prostate cancer.  This is one of the illnesses that scare every male.  This form of cancer is slowly developing in the male reproductive system and affects the quality of life. Pain, urination difficulties and erectile dysfunction are common symptoms. It is recommended to purchase life insurance if you are suffering of this disease.  But since you already have a medical problem, the chances of being insured get lower,

Posted in Health and Fitness, Insurance

Is your health condition starting to alter?

post thumbnail

We all need to preserve our bodies and minds in the best possible condition. The quality of life is strictly related to our health. You cannot say that you have a beautiful and peaceful life when you are feeling sick and live with constant pain. If your health condition is starting to alter, you should be concerned about saving money for medical bills. But having a pre-existing medical condition will cause to be rejected by

Posted in Health and Fitness, Insurance

No Medical Exam Life Insurance: 3 Important Advantages!

post thumbnail

No medical exam life insurance is a new product, but its popularity is growing fast. This is not surprisingly considering the many advantages it provides. Life insurance plans that do not require medical examinations are a convenient way of getting life coverage. Life coverage is important for protecting the financial security of dependent family members. How does it work? No medical exam life insurance works like a regular policy, except that it doesn’t require medical

Posted in Health and Fitness, Insurance

Drug Rehab And Its Influence On Your Premium Rates!

post thumbnail

People with a history of drug abuse will be unattractive clients for most insurance agencies, especially if they want to purchase high amounts of life coverage. People in this situation have higher chances of buying a plan by applying for term life insurance without exam or by getting guaranteed acceptance life insurance from employers. Drugs and the underwriting process People who have a history of drug abuse will not do well as applicants. Agencies see

Posted in Health and Fitness, Insurance

Heart Disorders And Life Insurance Policies!

post thumbnail

Heart disorders are considered a pre-existing condition by most insurance agencies. Agencies will see you as a potential risk and will lower your rates and increase the premiums. If you have serious heart diseases and if you are in a critical state, they may refuse to sell you any insurance. In order to find the best term life insurance rates, you need to do a lot of research and quote comparison. The underwriting process The

Posted in Health and Fitness, Insurance

How To Find The Most Affordable Smoker Premiums?

post thumbnail

Smoking is an expensive habit, especially if you need life insurance. Since smoking is linked to numerous fatal diseases, companies will charge smokers more for a plan. However, it is possible to get life insurance at affordable rates. Do not give up searching for life insurance if you are a smoker because your family may depend on it someday. What is a smoker? From an agency’s point of view a smoker is someone who has

Posted in Health and Fitness, Insurance

Alcohol Consumption and Motorcycling!

post thumbnail

A dangerous lifestyle will have negative effects on your life insurance rates. Even if your job can affect the premiums, so hobbies can too. It is difficult to find cheap life insurance if you enjoy extreme sports, however motorcycling may be an exception. Alcohol consumption, on the other hand, will not put your agent at ease and you may be disqualified from getting life coverage, including no medical exam life insurance. Motorcycling and life insurance

Posted in Health and Fitness, Insurance

Is there a chance for leukemia sufferers to purchase life insurance?

post thumbnail

It is really a crushing blow to be notified that you have leukemia. Leukemia is a troublesome type of cancer that affects the white blood cells and disrupts the proper functions of the immune system. In the past, this disease seemed to be almost impossible to treat, but nowadays, modern medicine has made wonders.  We have combined treatments and transplants capable of giving a fighting chance to anyone. The main problem is how you are

Posted in Health and Fitness, Insurance