No Exam Life Insurance For Diabetics

medical conditions that affect life insuranceIf you have diabetes and are searching for life insurance coverage, you have come to the right place for advice! Many people who have diabetes are unsure of where to turn to buy their policy.

Although having diabetes has created challenges for you to stay healthy, it does not mean you are unable to get life insurance.

I’d like to outline a few of the key characteristics insurance companies will look at to make an approval. This article will review life insurance for diabetes with no exam required. Continue reading

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No Exam Life Insurance Age 45 and Beyond

life insurance elderlyAre you a senior already? If you have an AARP subscription, then I think it is safe to say maybe! I believe some people prefer the phrase aged to perfection. By age 45 and beyond, you are likely looking at your life insurance portfolio.

All those fun, youthful years behind you may have brought about a few health issues. Rest assured there is affordable life insurance for you. At noexam.com we help people of all ages, senior or aged to perfection!

Often our clients ask us if it’s possible to get life insurance at their age. While not all life insurance is the same, you can secure this type of policy. For a summary of the best no exam life insurance for seniors, you can read this post. More information on no exam life insurance in general can be found here. Continue reading

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American National No Exam Life Insurance Review

american national no exam reviewHave you heard of ANICO for life insurance? American National No Exam Life Insurance is one of the leading providers for no exam life insurance. The question is, can you trust them?

Choosing a life insurance provider is crucial. You want to be sure that the premiums you pay will guarantee protection for your beneficiary. After all, the insurance company is making a promise to your loved ones. Continue reading

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SBLI Life Insurance Review

sbli no exam life insurance reviewI’m sure you’ve seen the ads SBLI life insurance as you research buying life insurance online. The internet has that persistent feature where ads seem to follow you around after you express interest in a product or service.

Securing life insurance to protect your beneficiary from financial burden is a smart decision! I am glad you have stepped out to see what life insurance options are available to you. It’s my goal to help educate you about SBLI life insurance as well as a few other options you can consider. Continue reading

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No Exam Life Insurance for Seniors

no exam life insurance for seniorsIf you are a senior looking for life coverage, you’ve come to the right place! Despite what you may have heard, several companies offer no exam life insurance for seniors. This article will review the best life insurance for seniors that do not require a medical exam to assist you as you research your options.

Life insurance for seniors with no physical are plans that make the process much easier to apply. They will also eliminate certain factors that can increase the price or result in a denial of coverage.  Anytime you add an exam or medical record to the process; the insurance company will have more information to review. Continue reading

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Life Insurance for a Divorce – Infographic

Regardless of whether you are happy or sad about divorcing your spouse, settling your affairs legally can stir up a roller coaster of emotions. The good news is securing the required life insurance policy is simple if you know where to turn.

I’d like to share with you 5 tips you should consider when shopping for the life insurance coverage your attorney has asked you to provide. You may be feeling overwhelmed with and unsure of how to take care of this properly. As a practicing life insurance agent, I’ve helped many clients satisfy their life insurance for divorce requirements in a simple and stress-free fashion. More often than not, a no exam term life insurance policy can be in place in under 72 hours. Continue reading

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Sagicor No Exam Life Insurance Review

sagicor no exam life insurance reviewWho exactly is Sagicor? Sagicor has been in business for 175 years, has an AM best rating of BBB-, has over $5 billion in assets, is publicy traded with offices in FL, AZ, and OK, and has over 600,000 policy holders.

Perhaps you’ve been offered a Sagicor no exam life insurance plan and wonder if it’s too good to be true? Rest assured you are in the right place for advice, with over 400+ positive reviews on ShopperApproved, NoExam.com is the authority on no exam life insurance. Below is our in depth Sagicor no exam life insurance review. Continue reading

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Getting Life Insurance With High Cholesterol

life insurance with high cholesterol

Image via Flickr by punctuated

Your cholesterol levels say a lot about your overall heart health and they can speak volumes when you’re applying for life insurance. Having high cholesterol doesn’t automatically disqualify you from getting covered but it can throw a wrinkle into the process. Knowing what the insurance company’s concerns are can improve the odds of getting affordable life insurance with high cholesterol.

What Is High Cholesterol?

To understand how to get life insurance with high cholesterol, you first have to know what high cholesterol is.

In general, cholesterol is a fat-like substance that’s carried through your blood stream by lipoproteins. It’s produced by your body naturally but it’s also present in the foods you eat, such as eggs and dairy products.

Cholesterol becomes a problem when it begins to accumulate inside your blood vessels. It can harden into a substance called plaque and when there’s a substantial build-up of plaque, you can experience a blockage leading to a heart attack or stroke.

Cholesterol can either be “good” or “bad” based on the type of lipoproteins involved. High-density lipoprotein or HDL cholesterol is characterized as good because it absorbs cholesterol and takes it to the liver which helps to eliminate it from the body as waste. The higher your HDL level, the better.

Low-density lipoprotein or LDL cholesterol, on the other hand, is the bad seed so to speak. This type of cholesterol isn’t eliminated as quickly from your body and high levels can lead to serious cardiovascular health problems.

According to the National Institutes of Health, you have high cholesterol when your total cholesterol level is 240 milligrams per deciliter of blood or higher. Ideally, your HDL level should be 40 mg/dL or higher while your LDL should be  100 mg/dL or less.

How The Life Insurance Company Views High Cholesterol

High cholesterol is considered a major risk factor because of its link to heart disease and stroke. If you disclose your high cholesterol when you apply for life insurance or it’s discovered during the course of the medical exam, the insurance company is going to be concerned with how well you’re managing it.

For instance, you’ll be asked whether you’re taking any medications to treat your high cholesterol. Statins are the most commonly used drugs to treat elevated cholesterol and they work by reducing cholesterol production in the liver. Lipitor, Crestor and Zocor are some of the most frequently prescribed statins.

Other types of medications that can be used to treat high cholesterol include cholesterol absorption inhibitors (Zestia), bile acid binding resins (Prevalite, Colestid), omega-3 fatty acids (Lovaza, Vascepa) and fibrates (Lopid, Tricor).

If you’re taking these or any other prescription drugs, you’ll need to tell the insurance company when you started taking them, how often you take them and in what dose and whether you’ve had any side effects.

In addition to asking about your medications, the insurance company’s going to look at things like diet and exercise as well as whether you smoke or use alcohol. Specifically, they want to see that you’re observing healthy habits that can reduce your cholesterol levels over time versus doing things that could push it even higher.

The final piece of the puzzle is your overall health history. You’ll be asked whether you’ve been diagnosed with any other health conditions and whether there’s a history of heart disease or stroke in your family.

Life Insurance Rates With High Cholesterol

The kind of premiums you’ll pay ultimately depends on how much of a risk you pose to the insurance company. This comes down to two things: your total cholesterol level and your cholesterol ratio, which is simply your HDL divided by your LDL.

Generally, you should be able to score a preferred plus or preferred rate if your total cholesterol is under 300 mg/dL and your cholesterol ratio is 5 or less. If your total cholesterol is slightly above these levels, you may still qualify for a preferred rate if you’ve got a lower ratio.

A standard plus or standard rate typically applies when your total cholesterol is between 300 and 350 mg/dL and the cholesterol ratio is between 7 and 8. Once you get past 350 mg/dL and your cholesterol ratio is higher than 8, you’ll see your premiums start to climb significantly. When you hit 400 mg/dL and/or your ratio reaches 10, it’s possible that you could be denied coverage altogether.

Get Life Insurance With High Cholesterol Via NoExam

If you’re worried about getting a check up for life insurance coverage because of possible high cholesterol, you could always choose a no exam life insurance policy instead. There’s no medical exam involved and the approval process can take as little as 24 to 48 hours. You may pay a little more for the premiums but the convenience can be well worth it in the long run.

Sources:

http://www.cdc.gov/cholesterol/about.htm

http://www.nhlbi.nih.gov/health/resources/heart/heart-cholesterol-hbc-what-html

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Life Insurance Rates By Age

Getting a life insurance quote online can often result in being bombarded by calls or emails from aggressive agents seeking a commission. That is why we have decided to publish sample life insurance rates by age and gender to help our customers make an informed decision.

We have assembled various life insurance rates by age below for you to get an estimate of what it will cost based on term length, coverage amount, and age. We present rates for no exam life insurance policies as well as policies that do require an exam.

Should you find these rates to be satisfactory, please call 888-407-0714 to speak with a licensed agent. You can apply online or over the phone in just a few minutes. Continue reading

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