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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


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


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


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 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 for Cancer Patients: What You Need to Know in 2025
Life insurance is possible for cancer patients. With the right policy and guidance, you can secure protection for your loved ones.

Philippe Deray
Nov 245 min read


Life Insurance for Commercial Fishermen and Offshore Fishing Crew: Navigating High-Risk Coverage
Commercial fishermen face extreme risks, but with safety measures and good health, life insurance is still possible to protect their families.

Philippe Deray
Nov 204 min read


Life Insurance for Amateur Martial Artists and Boxers: Navigating Coverage in a High-Risk Hobby
Amateur martial artists and boxers may possibly secure life insurance by practicing safely and maintaining good health.

Philippe Deray
Nov 204 min read


Life Insurance Considerations for Recreational Rock Climbers
Recreational rock climbing carries inherent risks, but with proper safety practices and honest disclosure, non-professional climbers may possibly secure life insurance coverage to protect their loved ones.

Philippe Deray
Nov 204 min read


Life Insurance Considerations for Individuals with a History of Depression or Anxiety
A history of depression or anxiety doesn’t bar life insurance—effective management and transparency can possibly secure coverage.

Philippe Deray
Nov 194 min read


Life Insurance Considerations for Individuals with a History of Cancer (In Remission)
Cancer in remission doesn’t block life insurance—time since treatment, cancer type, and health all influence possible coverage.

Philippe Deray
Nov 194 min read


Life Insurance for Individuals with Controlled Diabetes
Even with well-managed diabetes, individuals can qualify for life insurance by maintaining healthy habits, keeping detailed medical records, and working with insurers, though approval is not guaranteed.

Philippe Deray
Nov 172 min read


Term Life vs. Cash Value Life Insurance — What You Need to Know Before It’s Too Late
Term life insurance offers temporary coverage, while cash value (permanent) life insurance provides lifetime protection with flexible policy features to help secure your family’s financial future.

Philippe Deray
Nov 53 min read


Chronic Respiratory Diseases and Life Insurance: Breathing Easier About Options
People with COPD or asthma can still get life insurance. Proper health management and understanding underwriting options help secure coverage and protect loved ones.

Philippe Deray
Nov 52 min read


Cancer and Life Insurance: Exploring Possibilities Amid Uncertainty
Facing a cancer diagnosis can make life insurance seem out of reach, but options do exist. By understanding your history, working with knowledgeable advisors, and exploring multiple carriers, survivors and patients alike can find coverage that provides financial protection and peace of mind.

Philippe Deray
Nov 52 min read


Alzheimer’s Disease, Dementia, and Life Insurance: Facing the Unknown
Alzheimer’s disease and dementia create unique challenges for life insurance, but early planning and professional guidance can help families explore available options. Even limited coverage can provide financial protection and peace of mind for both individuals and caregivers.

Philippe Deray
Nov 52 min read
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