Category Life Insurance Blog

What to Expect For a Life Insurance Physical Exam

There is a hilarious sub plot in Jennifer Aniston’s Along Came Polly where an eccentric (and risk taking) billionaire is attempting to get a life insurance policy. His lifestyle and habits are scrutinized by the company, most notably by Ben Stiller’s character, in order to determine if he is a poor risk.

Of course he was, but got the insurance anyway, just like the hero got Polly. Luckily, your lifestyle won’t be put under that extensive of a microscope when you apply for a life insurance policy. You might however be asked to take a physical exam.

What is the Insurance Company Looking For?

A life insurance company is not going to expect you to be in perfect health, but they are also not going to want to insure someone who has a condition that is going to shorten their life...

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The Right Pair for Your Feet

With the rise of running, many men are beginning to get into the sport. However, finding the best running shoes for men can be a daunting task. There are so many different options and styles to explore, many people simply settle for the closest pair, which can lead to pain and injury down the road. In this guide we’ll explain a few different factors to consider and research before pulling the trigger on a new pair of shoes.

There are two different types of running shoes

There are two different types of running shoes that you must choose between when buying a pair of running shoes. Road running shoes are shoes that are designed for running on hard surfaces like roads and sidewalks. They will feature extra padding to minimize the shock of your repeated running motion. On the flip side, tra...

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What Life Insurance Considerations do I Need to Take Before Surgery?

The moment you have been scheduled a surgery, you should make sure that you contact your insurance company and update them on the issue. Provide them with the date to have the surgery, type of procedure and the phone number of the hospital’s office. Ensure to discuss the type of post-surgery services that are covered by your insurance plan, like the home physical therapy, rehabilitation hospital care and the equipments e.g a walker and a commode.

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Does life insurance cover SCUBA diving?

SCUBA diving has recently gained a lot of popularity among thrill seekers in America. With various oceans, reefs and even lakes to discover, more and more people are donning SCUBA gear and leaving the sandy beaches, in order to explore the marine life. The recent rise in SCUBA diving is also leaving many wondering if SCUBA diving is covered by life insurance, or if additional policies need to be purchased. This article will further details what SCUBA diving is, the life insurance needed, and serves as a helpful guide to all who are looking to put on SCUBA gear and explore the beautiful water and its wildlife.

What is a SCUBA diving?

SCUBA diving is the exploration of the unforgettable sights and sounds of the underwater world. SCUBA stands for self contained underwater breathing ap...

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Life Insurance Coverage for Road Bikers

Some people hesitate about the idea of becoming a road biker. Even those adventurous people have to think twice about road biking due to consequences that could hurt their family. The idea of riding a bike on the road seems dangerous due to the amount of collisions that occur between bikers and vehicles. Despite that, some have decided to be a road bike but they have acknowledged there is a chance of an accident. That is why they have looked for life insurance, to ensure that their families are protected in case an accident does occur.

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Purchase of Life Insurance For Canadians Before Attaining Major Success

The Canadian Health and the Life insurance association maintain that in Canada, there are 102 functioning life insurance businesses. Like any other businesses, there is an economic downturn in the Canadian Insurance Industry but these downturns is now well on its way to recovery. Despite the difficult economic conditions of the Canadian insurance industry, they are now financially growing up and becoming economically strong by collecting the profits of affirmative consumer insight. Canadian insurance companies have managed to come out unharmed as contrary to the banks and brokerage firms whose reputations are encountering a major blow during the recession years.

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How Much Life Insurance is Enough?

At some point in our lives, we all ask ourselves that how much life insurance we need? It may differ according to what stage of life you are in. If you are not married and don’t have children, you probably don’t need much coverage.

If you are a currently married couple and you have acquired bills in the form of installments of several cars and new apartments, you definitely need an insurance cover for all, or some of those properties.

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Whole Life Insurance

Whole life insurance is a commonly offered life insurance option. Whole life insurance has no cut off date as long as you pay the monthly premium. There is an investment component to whole life, you will receive a cash account for your returns to build and some companies offer the option to have the cash account to pay against your premiums.

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Types of Life Insurance

Most life insurance companies offer four basic types of life insurance. Some companies offer other options, but they are usually specific to the company or are much less common. The listed options are the most commonly available and most companies offer them. It is advisable to speak to a representative from any company you’re considering. They can make the finer details of a policy clearer and answer your questions.

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Term Life Insurance

Term life insurance is the simplest form of life insurance available and works for many people. It is the most affordable life insurance option as well. It works by selecting a coverage amount then paying a determined premium for the life of the policy. Term life is called term coverage because you select an amount of time to be covered, after the term length is over your coverage ends. Some companies have an option to continue the coverage, but the premium you pay will increase after each additional year.

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