How many tax allowances can I take?
The Tax Cuts and Jobs Act of 2017 altered how many tax allowances you should take for every year since it became law and it certainly has for 2020. Tax allowances are approximate estimates of reductions in […]
How to get life insurance with COPD
Chronic obstructive pulmonary disease – better known as COPD – is a more common disease than people are aware. And since there is no known cure, and it is potentially degenerative in nature, it can […]
How high blood pressure can affect your life insurance premiums
High blood pressure is a common affliction, so common in fact that it affects tens of millions of people. Life insurance companies however consider it to be an additional risk factor when providing policies. In […]
5 times when life insurance won’t pay a claim
When taking a new life insurance policy, most of us give a little thought to the possibility that there may be situations where your life insurance policy won’t pay a claim to your heirs. But […]
How to get life insurance with multiple sclerosis
Multiple sclerosis is a serious health condition, and from a life insurance perspective, it can cause complications. Still, it is possible to get life insurance coverage even if you have the disease. It’s mostly a […]
Can you get life insurance when you have a pacemaker?
Pacemakers are becoming increasingly common, especially as the population is becoming progressively older. The life insurance industry recognizes this trend and has made adjustments to accommodate the growing number of people who have pacemakers. Don’t assume […]
Married filing separately: Pros & cons of this little-noticed filing status
Are you married? Or thinking about it? Wondering what the difference is between the tax filing statuses Married Filing Jointly vs. Married Filing Separately? I know I once did. You would see Single, Head of Household, […]
What if your spouse doesn’t have – and doesn’t want – life insurance?
If your spouse doesn’t have life insurance, do you simply respect their wishes and go about your life? On some level, that may sound like a fair response. But whether a person wants life insurance […]
How obesity can affect your ability to get life insurance
Obesity is one of the most difficult challenges to overcome when it comes to life insurance. This is because the life insurance industry views it as one of the most serious health conditions. If you […]
How to get life insurance coverage after a stroke
Strokes claim the lives of over 150,000 people each year, making it the third leading cause of death in the US behind heart disease and cancer. For this reason, strokes can complicate the life insurance […]
How to apply for life insurance with a lupus diagnosis
Having any chronic health condition such as lupus can cause a person to believe that getting life insurance coverage is impossible. But that’s hardly the case. You just have to know how to manage the […]
Why life insurance is more expensive for men than for women
Look on almost any life insurance premium chart, and one thing you will notice almost immediately is that life insurance is more expensive for men than for women. There are several reasons for this, and […]
Getting life insurance with a history of alcoholism
We’ve already discussed DUI and DWI and the effect they have on life insurance. But what about the broader question of getting life insurance with a history of alcoholism? You can get life insurance even if you […]
The biggest life insurance mistakes & how to avoid them
Consumers often underestimate the potential to make mistakes when it comes to life insurance. Perhaps is because life insurance is often thought of as a fringe product – something you pay for with whatever is […]
Can I get life insurance if I have a criminal record?
As if having a criminal record isn’t challenging enough, such a history can also cause complications when it comes to applying for life insurance. Depending on the nature of the conviction, and the time that […]
Will a life insurance policy pay if only one or two payments have been made?
One of the best features of a life insurance policy is that it will pay benefits as soon as the policy is in effect. Some people wonder how an insurance company can pay out a […]
Life insurance for marijuana users – will you be approved?
Marijuana has been much in the news recently, as an increasing number of states are voting to make it legal, whether for medical use alone, or for recreational purposes. But how does marijuana use affect life insurance? […]
How Type 2 diabetics can get term life insurance
It’s a common assumption that if you are diabetic, you cannot get life insurance. Fortunately, that is a mistaken assumption in many cases. There are policies available for diabetics, typically term life insurance, that may […]