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Life Insurance for Congestive Heart Failure: How to Get Coverage, What to Expect, and Your Best Options
Discover how to secure life insurance for congestive heart failure, including the types of policies available, what insurers consider, and tips to improve approval and get the best rates.

Philippe Deray
4 days ago4 min read


Life Insurance for People With Diabetes: What You Need to Know Before Applying
“Finding life insurance for people with diabetes can be challenging, but understanding how insurers evaluate your health, managing your condition, and exploring different policy options can help you secure coverage and protect your loved ones.

Philippe Deray
5 days ago3 min read


Tired of Having to Deal With AI Customer Service? Here’s Why Real Humans Still Matter More Than Ever
Tired of dealing with AI customer service? While AI can assist with simple tasks, it can never replace the empathy, understanding, and problem-solving skills of a real human. Discover why the human touch remains the key to exceptional customer experiences.

Philippe Deray
5 days ago4 min read


Chronic Kidney Disease Life Insurance: What You Should Know About Getting Coverage
Getting life insurance with chronic kidney disease is challenging—but completely possible. Learn which policies you can qualify for, how underwriting works, and how to improve approval odds.

Philippe Deray
Dec 114 min read


Life Insurance for Bad Health: How to Get Coverage When Your Health Isn’t Perfect
Many people believe that poor health automatically disqualifies them from life insurance, but that’s not true. From controlled chronic conditions to past serious illnesses, there are multiple life insurance options—fully underwritten, simplified issue, and guaranteed acceptance—that provide protection for individuals with health challenges. Understanding your options and working with the right broker can help you secure coverage and peace of mind for your loved ones

Philippe Deray
Dec 105 min read


Why a Licensed Life Insurance Broker Makes All the Difference—Especially with Health Concerns
Applying for life insurance online may feel easy, but for those with health concerns, navigating approvals requires more than clicks. A licensed broker provides expertise, advocates on your behalf, and increases your chances of securing the best coverage and rates.

Philippe Deray
Dec 43 min read


How A Stepwise Approach Might Improve Your Chances with Insurance Applications
Professional advisor guiding a client through life insurance options, reviewing documents and discussing the best strategy for individuals with a history of diabetes.

Philippe Deray
Dec 33 min read


Why Workplace Life Insurance Is Often Considered Supplemental Coverage Rather Than Primary Protection
Employer-provided life insurance is helpful but limited. It’s best seen as supplemental, with personal policies serving as primary protection.

Philippe Deray
Dec 14 min read


The Benefits of Wealth Preservation and the Various Life Insurance Options
Life insurance protects wealth, offers financial security, and supports long-term estate planning.

Philippe Deray
Dec 17 min read


Life Insurance for Individuals with Kidney Disease: What You Need to Know
Getting life insurance with kidney disease can be challenging, but it’s achievable. This article outlines how insurers assess CKD and the coverage options available to help protect your family.

Philippe Deray
Dec 12 min read


Securing Life Insurance for an SBA Loan: What You Need to Know
SBA loans may require life insurance to protect the business and ensure repayment. Knowing the right coverage and collateral assignment helps borrowers secure a policy and avoid delays.

Philippe Deray
Nov 265 min read


Don’t Delay: Why Getting Life Insurance Now Is the Smartest Move You Can Make
Delaying life insurance can cost more than you think. Even a small policy today protects your family, secures your future, and keeps your options open for tomorrow. Start now, adjust later.

Philippe Deray
Nov 255 min read


A New Learning Model Is Changing How People With Chronic Illness Get Life Insurance
A new learning model is transforming life insurance for people with chronic illnesses, offering fairer evaluations, better pricing, and more approvals—even for those once considered high-risk.

Philippe Deray
Nov 254 min read


Life Insurance for Obese People: What You Need to Know
Obesity can impact life insurance rates, but coverage is still achievable. By understanding how insurers assess risk and taking steps to improve overall health, obese individuals can secure protection for their loved ones.

Philippe Deray
Nov 254 min read


Life Insurance for Atrial Fibrillation: What You Need to Know
Atrial fibrillation doesn’t have to prevent you from securing life insurance. With proper management, documentation, and the right policy, you can protect your loved ones and gain peace of mind.

Philippe Deray
Nov 254 min read


Life Insurance After Breast Cancer: What You Need to Know
Breast cancer survivors can obtain life insurance by understanding risk and choosing the right policy for financial protection.

Philippe Deray
Nov 254 min read


Life Insurance After Prostate Cancer: What You Need to Know
Life insurance is possible after prostate cancer. With the right approach and planning, survivors can secure coverage to protect their loved ones.

Philippe Deray
Nov 254 min read


Life Insurance and Obesity: What You Need to Know if Your BMI Is 30 or Higher
Obesity can impact life insurance options, but with the right approach and focus on overall health, individuals with a BMI of 30 or higher can still secure coverage that protects their loved ones.

Philippe Deray
Nov 253 min read


Life Insurance for Firefighters, EMS, and Rescue Personnel: Navigating High-Risk Occupations
Life insurance for firefighters, EMS, and rescue personnel is possible with good health, safety practices, and proper training.

Philippe Deray
Nov 244 min read


Life Insurance Considerations for Construction Workers: Navigating High-Risk Occupations
Construction workers face high risks from falls, heavy machinery, and job site hazards, yet life insurance is still possible with coverage tailored to their safety record and health.

Philippe Deray
Nov 244 min read
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