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No Medical Life Insurance – 15 Myths You Need to Know

Most of the articles about insurance myths talk about typical car insurance legends, such as higher insurance for red cars. Barely anybody focuses on the misinformation about no medical life insurance! Before we start, here’s a quick recap. No medical life insurance is a type of insurance that does not require a medical test. There are two types of no medical policies: Simplified Issue No Medical Life insurance has no medical exam, but still has a medical questionnaire that you need to complete. You will ...
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No Medical Life Insurance: 22 Tips to Get the Best Rate

No Medical Life Insurance: 22 Tips to Get the Best Rate

No medical life insurance is viable life insurance option for those who either cannot qualify for standard insurance or those who prefer to skip the medical exam, which is an inescapable part of any traditional life insurance assessment. No medical life insurance has some special aspects though that you should know in advance before getting a life insurance policy. No medical life insurance comes in two different forms: Simplified issue has no medical exam, but you are asked a few questions e.g. about your lifestyle ...
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Term Life, Whole Life and Universal Life Insurance Explained

There is always some confusion among term, whole and universal life insurance. All these insurance types are normally offered by insurance companies and insurance brokers, but how do they differ from each other? We will clarify the differences in this article. First of all, one needs to understand the overall classification of these insurance types. As per the chart below, there are two basis insurance types, term and permanent, and they are based on coverage length: if coverage is available for a period of time, ...
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Life Insurance for People with Cancer – Rate Comparison

Life Insurance for People with Cancer – Rate Comparison

The topic of cancer and life insurance is not an easy one. Cancer is a disease that falls into the category of critical illness, so all insurers treat it as a higher risk. If you were diagnosed with cancer or you are a cancer survivor, getting a life insurance quote and buying a life insurance policy is not as straight-forward as it would be for people with manageable diabetes. In this article we will highlight the options that are available to you, and also provide ...
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3 Different Life Insurance Alternatives for People with Diseases

What Alternative Life Insurance Options Have People With Diseases?

Getting life insurance is not always easy for people whose health is affected by illness and pre-conditions. Insurance is all about risk management, therefore many medical issues are seen by insurers as increased risk – and they price that risk accordingly. A person without significant health issues can benefit from the low rates of standard insurance, which is also known as traditionally underwritten insurance. If you have a serious medical pre-condition that will prevent you from qualifying for a standard rate, you have three other ...
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Top 5 Scenarios to Consider No Medical Life Insurance Plans

Top 5 Scenarios to Consider No Medical Life Insurance Plans

There are many situations when people start thinking about life insurance, such as at birth of a child, protection of newly purchased assets (e.g. house), etc. However, the search for life insurance (market research, getting a quote, buying a policy) for some people is more complicated. There are situations when life insurance companies prefer not to take the risk and opt to reject your life insurance application. Are you at risk of being declined and if so, what can you do about it? Fortunately, there ...
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Life Insurance for Parkinsons Patients - InsurEye

Life Insurance for Parkinson’s Patients – Key Things to Know

Despite many people’s best intentions, they put off getting life insurance. Sometimes it’s the thought of their own death or disability that disturbs them, other times it’s just a convenient thing to push to the back burner. After all, what are the chances of something happening to you…right? Unfortunately, accidents, death and illness happen and sometimes with very little warning. When something does inevitably happen, the need for life insurance becomes much more urgent. So, why life insurance for Parkinson's patients? For example, did you ...
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Life Insurance No Medical - 20 Ways to Reduce Its Cost

Life Insurance No Medical – 20 Ways to Reduce Its Cost

Insurance websites offer numerous articles about ways to reduce your life insurance costs, but there is a particular category of people who cannot use many of these tips since the only policies they qualify for are life insurance no medical or guaranteed issue. These type of insurance have both positive and negative aspects. On the positive side, they come without medical tests and, in some cases, without any medical questions. On the negative side, you pay more for the coverage and the amount of coverage ...
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Funeral Insurance in Canada: 5 Things You Must Know

Funeral Insurance in Canada: 5 Things You Must Know

With age comes wisdom and an acceptance that life is finite. As seniors enter their golden years, many reflect on their life and the legacy they wish to leave behind. Many also realize end-of-life costs, especially funerals, can cause a burden for their loved ones. With the best interest of their family and for their own peace of mind, they turn to funeral insurance for seniors. There are five important things seniors interested in funeral insurance should ask in order to get the best quote: ...
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Life Insurance After Heart Attack | Cost and Things to Know

While there are many reasons someone could suffer a heart attack – inherited heart disease, smoking, unhealthy eating or lifestyle, high levels of stress – one thing is common: a heart attack is a terrifying experience not only for the individual who suffers it, but also for that person’s loved ones and family members. After this experience, the question becomes, “how do I get life insurance after heart attack at a fair rate?” Many people who have suffered heart attacks have a very difficult time ...
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