There’s no doubt about it, life insurance is difficult to get if you’re HIV-positive, and usually prohibitively expensive if you can. That does not mean that there’s no chance of getting any type life insurance whatsoever – only that it will be significantly more difficult than it is for just about any other type of …
We generally tend to think of DUI (Driving Under the Influence) and DWI (Driving While Intoxicated) as being automobile insurance issues. In fact, they can affect other types of insurance, including life insurance. Why does DUI – DWI affect life insurance When you apply for life insurance, it isn’t just your health history that the …
Though depression is often thought of as a psychological disorder, it is one that can also have implications for your physical health as well. Life insurance companies are aware of this connection, and will pay close attention to your history with the condition. They may charge higher premiums as a result of depression. What constitutes …
Many people might wonder what sports and hobbies have anything at all to do with life insurance. In the eyes of life insurance companies – plenty! What we may think of as enjoyable extracurricular activities, life insurance companies can often view as risk factors. What’s a risk factor? Anything that might increase the likelihood of …
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 most cases, even if you have high blood pressure, you will be able to get life insurance, but the premiums …
If you have been going without life insurance because you have a history of health problems that has resulted either in declined applications or policies with premiums that you cannot afford, you may have to expand your search. There are life insurance options available for people with a history of health problems. These may not …
It’s a common assumption that if you are diabetic you cannot get life insurance. Fortunately, that is the mistaken assumption – at least in many cases. There are policies available for diabetics, typically term life insurance, that may enable you to get at least some level of coverage. How common is diabetes? According to the …
If you have had a heart attack in the past, getting affordable life insurance may not be something that you’ve seriously considered. But despite the magnitude of a heart attack, there are insurance companies that will offer term life insurance policies, and often with lower premiums than you might expect. How common are heart attacks …
You may think that it is impossible to get term life insurance if you’re a cancer survivor, but that assumption may not be correct. There are life insurance policies available for cancer survivors, even if they’re not as common as policies for the general population. The requirements for term life insurance for cancer survivors will …
Are you a procrastinator? I think most of us have a little bit of that in us anyway, but it can be a real issue when it comes to applying for life insurance. The time to apply for life insurance is now, while you are healthy. Though there is always a tendency to put off …
We all know that smoking has a major effect on health insurance and on the premiums that you will pay for it. The issue is a lot more involved than is commonly assumed, and more important, it’s likely to only get worse in the future. As the weight of evidence on the effects of smoking …