Professional advisor guiding a client through life insurance options, reviewing documents and discussing the best strategy for individuals with a history of diabetes.

Employer-provided life insurance is helpful but limited. It’s best seen as supplemental, with personal policies serving as primary protection.

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.

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.

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.

Life insurance is possible after prostate cancer. With the right approach and planning, survivors can secure coverage to protect their loved ones.

Professional divers and underwater welders face high risks, but life insurance may be possible with good health, safety practices, and certifications.

Boat captains and tour operators face unique risks, and life insurance may be possible depending on experience, safety practices, and health.

Sailing and small-boat racing carry unique risks, but with safety measures and experience, individuals may possibly obtain life insurance reflecting their lifestyle.

Motorcycling carries higher risk, but riders who use helmets, complete safety courses, and maintain a clean record may still possibly be considered for life insurance coverage.

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.

Recreational skydiving is high-risk, but with experience, safety, and disclosure, skydivers may possibly secure life insurance coverage.

A history of minor strokes or TIAs doesn’t prevent you from possibly obtaining life insurance with proper management and planning.

Individuals with mild, well-controlled asthma can possibly secure life insurance, especially when symptoms are managed, medical records are up to date, and a healthy lifestyle is maintained.

Recreational skiing and snowboarding are high-risk but insurable, with coverage depending on past injuries, slope difficulty, and safety measures.

Life insurance isn’t just for the wealthy or older adults—it’s a practical, affordable way to protect your loved ones and ensure financial security, even with a modest budget.

No-exam life insurance lets you secure coverage quickly without medical tests. Learn about guaranteed and simplified issue policies, coverage limits, and what to expect from premiums.

Term conversion lets you switch to permanent life insurance for long-term coverage and peace of mind.

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.

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.