Some of the potential clients we speak with mistakenly believe that they can no longer qualify for affordable life insurance if they have been diagnosed mitral valve stenosis. While this may be the case when applying with certain life insurance companies, there are a handful of top-rated life insurance carriers who will offer affordable policies…
If you will be receiving a traditional pension when you retire, you may want to consider utilizing a pension maximization strategy to get the most from your retirement income. Depending on your age and overall health, maximizing your pension with life insurance may save you thousands of dollars each year. This money can be used…
Clients often ask us, “Should I lose weight or diet before my life insurance health examination?” “Maybe if I shed a few pounds before my exam, I’ll get a lower rate on my life insurance policy.” While we understand this logic, it’s not likely to save you any money. If you are thinking about dieting…
If you’re in the market for a life insurance policy, you have probably heard that you should purchase a policy that is approximately 10 times your annual salary. While many life insurance agents and financial planners use this general rule of thumb, it is important to note that everyone’s need for life insurance is different….
Are you shopping for no medical exam life insurance? At Term Life Advice, we represent more than 60 top-rated life insurance companies, and some of these companies offer affordable life insurance policies that do not require a medical exam. In recent years, more and more life insurance companies have begun offering no medical exam life…
As you age, the cost of life insurance typically increases. However, most of our clients are surprised to find out that purchasing a term life insurance policy in their 40s, isn’t that much more expensive than what it would have cost a decade earlier. At Term Life Advice, we work with more than 60 top-rated…
If you have a full-time job with an employer that offers a generous benefits package, you’re better off than many other people in the workforce. Surprisingly, though, even when an employer offers life insurance coverage, you and your family might not actually be covered for life. Often, the life insurance offered by your work isn’t…
At Term life Advice, we work with more than 60 top-rated life insurance providers, and a handful of them offer no medical exam policies that can get approved within 24 hours. Life insurance policies that do not require a medical exam have their pros and cons, but depending on your situation, they may be right…
What is whole life insurance? Whole life insurance is a form of life insurance that is meant to provide you with life insurance coverage for your entire life. This means that your whole life insurance policy should outlast you, and provide a death benefit to your loved ones when you pass away. Some of our…
As baby-boomers are approaching their retirement age, there has been an alarming trend in the rising number of people contracting serious illnesses such as cancer. In fact, 1 in 3 Americans are expected to be diagnosed with cancer within their lifetime. Thankfully, some life insurance companies have been working on creating new and innovative life…