Term Life Quotes – Life Insurance
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Say you are retiring from a large corporation who has contributed to a deferred compensation plan for you for years. Now you have the option of taking your retirement income in the form of an annuity either as a single life annuity, which will pay you $5000 per month for as long as you live, [...]
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When purchasing life insurance at 62 years old, it’s important to understand how critical your health is to the life insurance approval process. Whether you are fortunate enough to enjoy excellent health or have pre-existing medical conditions, at Huntley Wealth Insurance, we specialize in obtaining the most affordable policy for our clients in their 60’s. [...]
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When searching for life insurance at 56 years old, the biggest factors affecting your premium will be the type of coverage needed and your health. Typically by the time you reach your mid fifties, you’re almost always dealing with some sort of medical condition or medication. We see everything from people taking only a blood [...]
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Historically, when you quit smoking cigarettes and applied for a life insurance policy, you would have to be a non smoker for 5 full years before being able to qualify for a company’s best non tobacco rating. Great news! That number has dropped to 3 years, not offered at every insurance carrier, but a few. [...]
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Recently, after speaking to a prospective client about his medical issues, I contacted some of my life insurance company underwriters requesting a “trial offer” on his case. When the trial offers came back, I shared the news with my prospect. He responded asking for more explanation of what a trial offer is. Since I wrote [...]
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I recently ran a disability insurance illustration for a doctor, and noticed many exclusions the policy would not cover. These excluded payment of benefits if you were injured or to become sick as the result of committing a crime or attempting suicide, for example. (For a full list, see below) This got me thinking about [...]
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I had a very interesting case recently, where a guy who wanted to purchase term life insurance had had diabetes II for years, was on Metformin, and a couple insulin shots per day. Then a couple years ago, he had gastric bypass surgery, and was quite literally cured of diabetes. What I mean is this [...]
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With the House passing the Bush Tax Cuts extension on Thursday, and the president officially signing the bill, we now have somewhat of a clearer picture of the future of estate taxes and the estate tax exemption amounts. The bill extends certain tax cuts that were set to expire in 2011, and increases the estate [...]
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While I’m much more likely to receive a call from a prospective purchaser of life insurance with coronary artery disease and heart surgeries like bypass or angioplasty, I have also had the pleasure of helping some folks get approved at affordable life insurance rates who have had heart valve replacement surgery. In this post, I’ll [...]
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Experienced life insurance agent finds best rates for diabetics, considering tobacco use, medication, weight, control, a1c.
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