If you have type 1 diabetes and you need life insurance, then you should know what your options are so you can make the most informed decision.

It’s no secret that diabetics can have a challenge when shopping for life insurance, but the options are better since medical advancements have made diabetes control easier and more efficient. It used to be that a diagnosis of diabetes meant that no one would insure you, but there are now many companies who will offer a standard rate for diabetics who manage their blood sugar well.

Life insurance underwriting for diabetics focuses specifically on control and regular doctor’s care. An A1C of 7 and below is considered optimal. Underwriters will also look at whether or not you see your doctor for regular appointments, and what your other health factors are such as height, weight, blood pressure, and cholesterol levels.

Standard Rating: If your A1C is 7 or less and you have no other health issues, then some companies will offer you a standard rating, which is what the average person will pay.

Rated Up: If your A1C shows moderate control, but you have high blood pressure or cholesterol issues, then a carrier may offer you life insurance with a table rating. This means that you will pay 25%, 50%, or 100% higher than a standard rating.

Guaranteed Issue:  If you have a high A1C coupled with other health problems like high blood pressure and high cholesterol, then you will probably be denied by most life insurance carriers. Your last option is a guaranteed life insurance plan. The rate will be higher and the maximum amount of insurance that you can get is $25,000. Your policy will also have graded benefits, meaning that your death benefit is not fully payable until year three.

The bottom line is that there are life insurance options for a type 1 diabetic. You should know that there are certain companies that are known to be more reasonable with diabetics, while other carriers very rarely insure anyone who has type 1 diabetes. The key is to work with an agent who is knowledgeable about which carriers are better for diabetics. Make sure that your agent works with multiple carriers, and be upfront with them about your diabetes. Get a free quote today to compare multiple rates from carriers that specialize in applicants with diabetes. If you have questions about your situation then call 1-877-801-4402 to speak with an experienced insurance professional.

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Are you injured or permanently disabled? Have you been unable to buy life insurance or are you worried that you can’t get life insurance coverage? Before you lose all hope for life insurance options, be sure to work with an experienced agent to explore all of your options.

There are dozens and dozens of life insurance carriers on the market and different carriers cater to different kinds of people. Although a person who is totally or partially disabled will have a tough time finding affordable life insurance coverage, it is not impossible. It depends on many factors including your age, the type of disability, other health issues, and the amount of coverage you are seeking. Ultimately, your life insurance application will be reviewed by an underwriter who will take into account your entire situation.

Get a free life insurance quote today to find out what your options are.  Make sure you are upfront with your agent about your disability and any other health issues you have.

The costs for burial and final expenses are increasing.  What can you do? Many baby boomers may have to contend with the issue of costs of their burial and of final expenses once they are gone. If you have not gone over your estate and your final expenses yet, that is something you may want to consider. You may find that your current life insurance is not enough to cover all of the expenses that will be incurred.

Burial expenses nowadays are nothing like they were ten or so years ago- they much more costly. The current cost for a funeral can range between $8,000 and $10,000 and this is for an average funeral. Fortunately, final expense insurance is available at affordable prices to help baby boomers ensure that their family members don’t have to take on a financial burden during a time of grief.

Plan in advance and protect your family. Final expense life insurance takes care of your burial and final costs of your estate. It is whole life insurance also known as permanent insurance so it won’t expire and the premiums remain level for the rest of your life. You can keep it for the remainder of your days to make sure your family is protected from the burden of your final expenses.

Take the first step by getting a free quote so that you can make a decision about what insurance is right for you. Get started and protect your family today.

If you’re in remission from cancer, or if you were recently diagnosed, you can still get life insurance. Depending on which category you fall in will determine what type of life insurance and how much. If you have been recently diagnosed, then the only option you really have is a guaranteed issue or graded policy. You can qualify for this type of policy as long as your cancer has not been diagnosed as terminal.

If you are in remission from cancer,  then your options for getting life insurance are much greater. Many companies require you to be 3 years out from your last cancer treatment, but there are some companies that offer simplified issue whole life as long as you haven’t had a treatment in the last 12 months.

One of the main things that a life insurance underwriter will want to know is what stage and what grade of cancer you had. You might know this off of the top of your head, but if not, the underwriters will definitely request it. It’s best if you can present as information possible about your cancer to your agent- diagnosis, treatment, recovery, timelines, etc. If you are working with an experienced agent, they will know which companies to shop your quotes to.

The bottom line is that you need to be educated about your own cancer history and bring that to the table when you are shopping for life insurance. Ask your life insurance agent up front if they’ve worked with clients who have had cancer before, so you can make sure that they have some experience in this area. Get a free quote today to compare policies for your unique situation.

Guaranteed life insurance is exactly what it sounds like- life insurance that guarantees your acceptance. There are no medical exams, no medical tests, and just a few health questions to answer. These policies are designed for people who have been turned down with other companies because of serious pre-existing health conditions.

What makes guaranteed issue life insurance different from other types of life insurance is that the death benefit is graded. This means that if you die within the first two years there is a limited payout to your beneficiaries. For example, if you die in year 1, the policy may only pay out 25% of the death benefit. In year 2 it moves up to 50% and by year 3, your beneficiaries can receive the full death benefit.

Here are some features of guaranteed issue life insurance:

• No medical exam or tests
• Ages 50 to 85
• $3,000 to $25,000 worth of coverage
• Permanent life insurance
• Builds cash value
• Two year limited benefit period

If you need life insurance and you’ve been turned down before, or if you know you have some health conditions that make it difficult to obtain life insurance, then a guaranteed life insurance quote is right for you.