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5 Reasons to Get Life Insurance Now, Even If You Think You’re Too Young to Need It

It’s time to finally understand what life insurance is, no matter how old you are. From landing your first real job to living in your own apartment to balancing your own budget, adulting can be hard. It’s easy to get caught up trying to navigate life and stay afloat as a young adult. You have new expenses and places to put your money: Think 401k or Roth IRA contributions, health insurance premiums, and student loan payments. Adding additional expenses, like life insurance, may seem like an unnecessary expense when you’re in your 20s or 30s, but you never know what life may throw at you. Believe it or not, having a term life insurance plan in place as a young adult may be one of the smartest...

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Declined for Life Insurance? Get help, Beagle Street

Declined for Life Insurance? Here are your options 9 November, 2018 Home > Declined for Life Insurance? Here are your options Why were you refused Life Insurance? Beagle Street responds to Life Insurance applications by either: > Accepting an application > Turning it down (in cases where circumstances make us unable to insure someone) > Referring it to our underwriters What not to do when you’ve been refused If you’ve been denied Life Insurance due to the information you provided to the insurer, it can be tempting to go to another insurer and provide different information in order to boost your chances of being accepted: Don’t do this. If it ever emerges...

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Can I Get Life Insurance If I Have Diabetes?

Many people with diabetes recognize the value of life insurance and the importance of providing financial protection for their families. However, according to a recent survey, a number of people with diabetes who don’t have a life insurance policy say they are unlikely to apply for one. Why the hesitation? Historically, getting life insurance when you have diabetes has been a challenge – but that’s no longer the case. In fact, with John Hancock life insurance with Vitality, getting life insurance is easier than ever . New Trends in Diabetes Technology You might be thinking: Why is life insurance more attainable for people with diabetes? What changed? Recent innovations, advancements in...

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Life insurance and disabilities

How to get life insurance if you’re disabled The types of coverage vary. If you’re disabled and don’t have life insurance, you can still get approved for a policy. It may cost you more, but there are still options for you. Let’s walk through how best to go about life insurance if you have a disability. Types of life insurance There are two overarching types of life insurance policies: Term life insurance offers coverage for a specific number of years, such as 10 or 20 years. If you outlive your policy, your insurer won't have to pay a death benefit. Permanent life insurance, such as whole life, is for life. As long as you pay your premiums, your survivors will receive...

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Should You Get Life Insurance Through Your Employer?, Northwestern Mutual

It’s open enrollment season once again, which means perusing that buffet of employee benefits. Among those available, you might notice your company offers a group life insurance plan. What is that, exactly? And is it a good idea to get this kind of life insurance through your employer, or should you strike out on your own and buy an individual policy? Here’s what you need to know before deciding. WHAT IS GROUP LIFE INSURANCE? You’re probably participating in one or perhaps several group insurance plans through work. It might be health insurance, dental coverage, vision care, and more. In general, a group insurance plan offers guaranteed coverage and standardized rates for members of the...

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Does PTSD affect your ability to get life insurance?

An Army veteran and his wife said they were "shocked and saddened" when they learned he was denied life insurance because of his history of post-traumatic stress and depression. "There have to be a lot of veterans with this diagnosis," said the wife, who asked to remain anonymous as they continue the process of getting insurance through another company that specializes in life insurance for service members and veterans. The denial letter they received from USAA cited his history of depression, anxiety, post-traumatic stress disorder, chronic pain and asthma. The Army veteran said a USAA representative emphasized his PTSD and the depression in explaining the denial. Insurers don't talk about...

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Airtel bundles term insurance in new prepaid tariff plan

Airtel’s ₹ 599 pre-paid bundle will offer 2GB data/day, unlimited calls, and 100 SMS/day, and also a ₹ 4 lakh life insurance cover from Bharti AXA Life Insurance. (Mint) Airtel bundles term insurance in new prepaid tariff plan 1 min read . Updated: 23 Sep 2019, 12:02 PM IST Staff Writer Bharti Airtel has announced a new prepaid tariff plan that comes bundled with an inbuilt insurance cover For this Airtel has partnered with Bharti AXA Life Insurance Airtel’s ₹ 599 pre-paid bundle will offer 2GB data/day, unlimited calls, and 100 SMS/day, and also a ₹ 4 lakh life insurance cover from Bharti AXA Life Insurance. The recharge comes with a validity of 84 days and the insurance cover...

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Major Brokerage Guotai Junan to Get New Chairman - Caixin Global

Major Brokerage Guotai Junan to Get New Chairman The president of one of China’s biggest insurers is to take the helm at one of its leading brokerages, Caixin has learned. He Qing, 47, was made Guotai Junan Securities Co. Ltd.’s Communist Party secretary on Monday morning, and will soon be made its chairman, people with knowledge of the matter told Caixin. He is now president of China Pacific Insurance (Group) Co. Ltd., a job he took up less than two years after first joining the company in November 2015. The life insurance subsidiary of Hong Kong- and Shanghai-listed Pacific Insurance was the third-largest life insurer in China by market share last year, trailing China Life Insurance Co....

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Can You Get Life Insurance If You Are HIV Positive? - Life Ant

FREQUENTLY ASKED QUESTIONS Most life insurance companies base their premiums off of how much of a risk they believe you to be. When you have health problems, your premiums are going to be higher – or the company might deny you coverage altogether. This can be very frustrating and concerning if you have a chronic health condition like HIV because you still want coverage to help your loved ones in case you do pass away. Making things even more complicated is the fact that a decent percentage of people who have HIV, around 18 percent, don’t know they have it, and this fact could be revealed in a life insurance medical exam. Luckily, you can get life insurance if you are HIV positive,...

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Getting Life Insurance When You Have a Chronic Condition, NEA Member Benefits

Many pre-existing conditions are not barriers to an affordable life insurance policy if they are controlled by medication or other treatment. Many applicants with medically controlled chronic conditions can now get the preferred insurance rate. Purchasing a life insurance policy is one of the most important moves you can make if someone depends on you financially. However, many people believe that they cannot buy an affordable policy—or even qualify for coverage—because they have a chronic health condition. A recent study by Genworth Financial found that between 39% and 54% of adults with pre-existing conditions, including anxiety, asthma, depression, high cholesterol,...

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