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Prudential Life Insurance with Sleep Apnea

Written by Scott W Johnson

Shopping for life insurance when you have sleep apnea can be enjoyable. This condition which causes people to temporarily stop breathing while they sleep can be scary. Many life insurance companies will only accept consumers at a standard non smoker raters, but one carrier – Prudential is open to lower prices for those that have a well treated version of sleep apnea. We love Pruco Life Insurance and if you have sleep apnea as well – you might also.

Life Insurance with Statins

Written by Scott W Johnson

When you have high cholesterol and take a commonly prescribed statin medication you might think you deserve better term life insurance rates than a given insurer is offering you. You may be right! Not all insurance companies allow for Statin medications at the preferred plus and preferred pricing levels. In our article about life insurance with statins we discuss various carrier guidelines and which carriers that may be your best choice. Do not go and buy a term policy if you take one of these medicines without reading this short article.

Portability vs Conversion

Written by Scott W Johnson

Portability and Conversion are two options when you leave a group life insurance plan, such as an employer sponsored plan. Not to be confused with convertible term life insurance, conversion and portability are slightly different versions that results in vastly different outcomes. Portability allows you to take your term plan with you while conversion allows to you change the policy to a permanent one.

How Long Does Life Insurance Last

Written by Scott W Johnson

One of the more common questions that all life insurance agents get is How Long Does Life Insurance Last? Well there is no simple answer to this complex question. Whole, Term, and Universal life insurance all of have slightly different answers to this question. Add to this that several important conditions that must be met. After all a life insurance policy cannot last any longer if the yearly premiums go unpaid – right? Whole contracts typically will last until either the policy end date (which may be 100 or 120) or your entire life.

Life Insurance with COPD

Written by Scott W Johnson

Shopping for Life Insurance with COPD can be a big let down. Although easy to get quotes, most of the term quotes that you see will not pertain to you. Our article – Life Insurance with COPD is all about how to shop and save on term life insurance when you have this impairment. COPD can be similar to asthma in many ways when shopping for term quotes, but there are real differences. Read our COPD guide.

Best Life Insurance 30 Year Old

Written by Scott W Johnson

The best life insurance for a thirty year old is distinct and different from the amount of life insurance that others might need. A simple affordable term policy make be your ticket to financial freedom. Thirty year old consumers can be in vastly different stages of their life and that is why its so important to assess where you are and where are going. Do not make the classic error of not purchasing level term life insurance because you think you are too young to do so.

Best Life Insurance For Young Adults

Written by Scott W Johnson

The best life insurance for young adults is the policy is for those that actually need the insurance and is provided at the lowest cost, with the highest rating, with the most amount of life insurance coverage (for the dollar.) How much and what type of life insurance that you need greatly depends on your life stage. Are you a new parent, graduate student, still living at home, college student, first job? All of these life stages likely have differing quantities and dollars of life insurance needed.

Non Participating Whole Life Insurance

Written by Scott W Johnson

There are two types of Whole life insurance contracts: Participating and Non Participating. Neither is necessarily better and both have benefits and drawbacks. In this short article we review one of the forgotten options of whole life insurance- Non Participating Whole Life. Non par policies receive no policy dividends and are hence often less expensive. Another great benefit of these contracts as opposed to par policies is the ease in which someone can shop for them.

Preferred Plus Life Insurance

Written by Scott W Johnson

What is preferred plus pricing? Preferred Plus is the highest of the standard health classes for term and whole life insurance. Preferred Plus is the best pricing (lowest price) that consumers can qualify for. Consumers that do qualify for this best in class price, would do well to stock up on the most amount of insurance that they can afford to buy at that time. There are so many benefits to this health rating class that it can difficult to summarize them all.

Annual Premium

Written by Scott W Johnson

What is an Annual Premium? Sometimes also called an Annualized premium, it is a mode of payment for various forms of insurance, including life insurance. There exists differences with the modes of premium payments allowed with different types of insurance, such as business insurance and personal property insurance. In the world of life insurance, the annual and monthly payment modes are typically the most popular option.