The Truths About Life Insurance with Alcohol Addiction

Alcohol is one of most sought-after commodities in the world. People consume it for many reasons. Some people believe the best way to forget their problems is to drink alcohol. Some take it to feel motivated or to combat excess. However, excessive intake of alcohol is not good for the body. Alcohol can lead to the development of diseases such as high blood pressure, obesity,...Read More

The Truths About Life Insurance with Emphysema

Having emphysema is not a death sentence which you should be very scared of. Unlike before, today there are lots of emphysema treatment options which you can rely on to reduce the symptoms of emphysema such as wheezing, shortness of breath or frequent respiratory infections. These treatments include pulmonary rehabilitation, physical exercise, and bronchodilator. But the truth is that emphysema has a direct influence on...Read More

The Truths About Life Insurance with Essential Tremor

Even though essential tremor affects more than 10 million people in America today, only a few people know what essential tremor is. If you are just hearing this term for the first time, essential tremor is a movement disorder accompanied with uncontrollable shakiness of affected body parts. This neurological disorder can affect the tongue, head, or legs, but it commonly has unintentional rhythmic effects on...Read More

The Truths About HIV Life Insurance

HIV/AIDS is a global epidemic affecting more than 36.7 million people around the world, according to UNAIDS. Of this figure, only 60% of people living with HIV know whether they are HIV positive or not. Such individuals are in a better position to get the right antiretroviral regimen and live a normal life. If you have been diagnosed with HIV and you are planning to...Read More

The Truths About Getting Life Insurance with Marijuana

As many states in the U.S. now allow the use of marijuana for recreational and medicinal purposes, parents and young adults are buying THC (tetrahydrocannabinol) products to alleviate depression, stress, and anxiety. But the bad news is that despite these benefits, marijuana affects the growth and development of the brain in the long haul. It leads to memory loss, breathing problems, nausea, and mental problems....Read More

The Truths About Getting Life Insurance with Breast Cancer

Breast cancer is a health condition characterized by bloody discharge from the nipple and an unusual lump in the breast. Estimates have shown that at least about 1.7 million people around the globe suffer from breast cancer which is more common among women. But as more and more people are becoming aware of breast cancer, chances of survival have improved in recent years. This is...Read More

The Truths About Getting Life Insurance as a Foreign National or Non-US Citizen

If you don’t have a residency status in the U.S., you will at best be classified as a foreign national or non-US citizen. You are also a non-US resident if you stay outside the U.S. for more than 3 months. But being a foreigner does not mean you cannot get coverage in the U.S. In fact, purchasing a life insurance policy as a non-US citizen...Read More

The Truths About Life Insurance with Anxiety Disorder

There is nothing bad being anxious to pass an exam, meet a deadline, or achieve a goal. However, when the anxiety gets out of control, it can be said that you have anxiety disorder. Symptoms of anxiety includes restlessness, fatigue, sweating, unwanted thoughts, insomnia, and poor concentration. Whether you have panic disorder, social anxiety disorder, specific phobias, or generalized anxiety disorder, life insurance companies will...Read More

The Truths About How Your Family Health History Affects Your Life Insurance Rates

You may not be bothered about the medical history of your family. But most life insurance companies think there is a correlation between your health and your family health history, thanks to the advancement in genetic studies. To life insurance companies, if one person or two people in your family died of genetic diseases, you may die of similar disease, too. You may argue that...Read More

The Truths About Life Insurance with a Stent

A stent is a tiny surgical device which is used to open a blocked coronary artery. However, like the blood vessel, this tiny tube can become damaged or blocked too. And this can result in breathing problems, infections of the vessel, kidney stores, and internal bleeding. Life insurance companies are aware of these complications. And they want to make adjustments for such risks which can...Read More

The Truths About Lying on Your Life Insurance Application

Our findings have shown that during the underwriting process, a few potential life insurance policyholders lie about their income, medical history, current medication, health status, and their smoking and drinking habits. They engage in this practice to get approval or to get a lower quote. If you are ambivalent whether you should lie to life insurance underwriters or tell them the truth about your lifestyle...Read More

The Truths About Life Insurance with Ulcers

Ulcers are widespread health problems all around the world. And there are several causes for ulcers. It may due to regular use of non-steroidal anti-inflammatory drugs (NSAIDs), smoking, drinking too much alcohol, or bacteria. Whether you have a duodenal ulcer or peptic ulcer, rest assured that life insurance companies would consider the risks – even though ulcers are considered low risks– when you are applying...Read More

The Truths About Life Insurance with Ulcerative Colitis

You are not alone in your search if you have inflammations in your colon, rectum, or any part of your digestive system. This means you have either Crohn’s disease or ulcerative colitis. Unlike Crohn’s disease, ulcerative colitis affects only the lining of the large intestine. And you may experience symptoms such as stomach pains, weakness, bloody stools, or diarrhea. Although there is no cure for...Read More

The Truths About Life Insurance with Thyroid Disorders

Thyroid is an important hormone-producing tissue located below the Adam’s apple. It helps the body to regulate how fast you burn energy and how fast you use calcium. And anytime the butterfly-shaped gland in the neck is not working properly, it is believed that you have thyroid disorders. Whether you have thyroid nodules, hypothyroidism, hyperthyroidism, goiter, thyroiditis, or thyroid cancer, we are here to tell...Read More

The Truths About Life Insurance with Testicular Cancer

Testicular cancer, unlike ovarian cancer, is the most common cancerous disease associated men between the age bracket of 20 and 35 years. No one what causes this disease, but life insurance companies know that you are a considerable risk to them if you have testicular cancer. Well, if you don’t know whether or not you have testicular cancer, you can check your testicle or scrotum...Read More

The Truths About Life Insurance with Sleep Apnea

Sleep apnea is a serious health situation in which one finds it increasingly difficult to breathe while sleeping. Some people have it, but they have not given it the desired attention. Left untreated, sleep apnea can degenerate into other health problems such as diabetes, memory loss, depression, headaches, heart failure, stroke, and high blood pressure. If you have sleep apnea, you need to contact a...Read More

The Truths About Life Insurance with Sarcoidosis

Sarcoidosis is not a popular health condition in the public domain. Only a few people have it – 1 in 10, 000 individuals in the U.S. Even though it is commonly associated with African-Americans and Caucasians, this does not mean life insurance companies are not aware of the risks such health condition poses to their business model. In any case, if you have sarcoidosis and...Read More

The Truths About Life Insurance with Paget’s Disease

Are you experiencing any pain or unusual feeling in the hips, joints, back or neck? Or are you finding it difficult to walk or climb stairs? This may be due to Paget’s disease. But all hopes are not lost if you have Paget’s disease, an ailment that could weaken other bones. There are treatments for such health condition. And if you are wondering whether you...Read More

The Truths About Life Insurance with Ovarian Cancer

No woman desires to have ovarian cancer. But sometimes, life presents us with challenges that make us stronger and tougher both mentally and emotionally. If you have ovarian cancer, there are many things you need to know before applying for life insurance. If you want to know why, read on to know the truths about life insurance with ovarian cancer. Most life insurance companies will...Read More

The Truths About Life Insurance with Osteoporosis

If your bones are very fragile and easily susceptible to fracture, there is a high likelihood that you are suffering from osteoporosis. This disease is very prevalent among the elderly – people above 50 years and postmenopausal women. You may not even notice any symptom until your bones become fractured. That’s how insidious osteoporosis can be. So, if you have osteoporosis and you get life...Read More

The Truths About Life Insurance with Myasthenia Gravis

Myasthenia Gravis is not a common health challenge you here about every time in the media. Nevertheless, women below 40 and men above 60 are more likely to show symptoms of Myasthenia Gravis according to findings. Well, the bad news is that it has no cure. And guess the good news? You can always manage it, most especially if you have life insurance. This will...Read More

The Truths About Life Insurance with High Cholesterol

Contrary to what most people think, cholesterol is good for the body. It’s only when you accumulate lots of cholesterol – due to consuming too much fatty food – that you need start worrying about your health. This is because too much cholesterol can block your heart vessels and cause dangerous inflammations which restrict the flow of blood in your arteries. One way you can...Read More

The Truths About Life Insurance with High Blood Pressure

High blood pressure is one of the most prevalent health conditions all over the world. And many of our readers with high blood pressure, stroke, heart problems, hypertension and related health problems have been asking us several questions about life insurance with high blood pressure. If you are among such people, read on to learn the truths about life insurance with high blood pressure. You...Read More

The Truths About Life Insurance with Hepatitis C

Hepatitis C is a health condition that possesses lots of threats to human lives. It has no cure. And according to WHO, about 400, 000 people die annually due to this liver disease caused by the hepatitis C virus. If you have either acute or chronic hepatitis C and you are looking forward to applying for life insurance, we believe the following truths about life...Read More

The Truths About Life Insurance for Diabetes

Diabetes is no big deal if you are planning to buy life insurance for diabetes. According to research, approximately 9% of Americans are suffering from one form of diabetes or the other. And below are the truths you need to know about life insurance for diabetes. You are highly likely to get life insurance coverage if you have diabetes, whether Type 1 or Type 2...Read More

The Truths About Life Insurance with Crohn’s Disease

Don’t be scared if you have shaking chills, mouth ulcers, fever, severe belly pain, or fast and weak pulse. These are the symptoms of Crohn’s disease. And this does not mean you cannot get life insurance so long you are armed with the information about the truths about life insurance with Crohn’s disease. Your life insurance application will not be declined because you have Crohn’s...Read More

The Truths About Life Insurance with Chronic Obstructive Pulmonary Disease (COPD)

The Internet is replete with tons of information about life insurance with chronic obstructive pulmonary disease (COPD).  But most life insurance sites will not tell you the truth about life insurance COPD. They will just define what COPD is, tell you the causes and symptoms, and then flood their web pages with lots of superficial information about COPD, which you don’t really need in fixing...Read More

The Truths About Life Insurance with Arthritis

Arthritis, also known as joint disease, is a prominent health problem among the elderly. Some children are not immune to this disease, too.  People suffering from this health condition often experience such symptoms as stiffness, pain, swelling and a decreased range of motion. You may not even be able to walk or climb stairs properly if you are diagnosed with arthritis. But there is nothing...Read More

The Truths About Life Insurance with Addison’s Disease

If you are planning to buy life insurance with Addison’s disease, you are not alone. Addison’s disease is a health condition in which your adrenaline glands cannot produce sufficient steroid hormones needed by the body. This leads to joint pains, extreme fatigue, weight loss, low blood sugar, and even darkening of the skin. According to research, Addison’s disease affects both males and females in all...Read More

The Truths About Life Insurance When You’re Pregnant

Many people have been asking us several questions about life insurance during pregnancy. Some readers asked whether they would be able to qualify for any life insurance while they are pregnant. Some clients even inquired whether or not pregnancy affect their life insurance rates while they are pregnant. Others asked whether it is cost-effective and easy to get life insurance during or after their pregnancy....Read More

The Truths About Life Insurance for Smokers and E-Smokers

If there is one habit that is so addictive and difficult to quit, that would be smoking. From America to China and Europe, many people love smoking. Even some doctors and medical practitioners who know the debilitating effects of smoking are not immune to this habit. That’s just to tell you that smoking is a religion which many people are not ready to quit no...Read More

The Truths About Life Insurance After Gastric Bypass Surgery

Gastric bypass is a weight loss surgery that helps you to reduce your stomach size, thus making you eat less and feel full sooner. Some people also undergo this surgery to ameliorate diabetes, improve sleep, and reduce their body mass index (BMI). Nevertheless, gastric bypass has downsides such as digestion issues, sagging skin, and other side effects which life insurance companies put into consideration when...Read More

The Truths About Joint First-to-Die Life Insurance

First-to-die life insurance is a type of joint life insurance which allows you and your significant partner to pay the life insurance premium. Unlike the survivorship life insurance, first-to-die life insurance enables you to get the death benefits if your spouse dies first. And here are the truths about First-to-die life insurance. First-to-die life insurance is only attractive for couples who want to use the...Read More

The Truths About Survivorship Life Insurance

Just imagine a world where you and your spouse can have a joint life insurance policy, where both of you can carry out the life insurance process together as a team. That’s precisely the purpose of survivorship life insurance. Nevertheless, there are some truths you need to about survivorship life insurance. Don’t be deceived, this insurance policy is only attractive for married people who have...Read More