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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 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


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


Informal Underwriting in Impaired-Risk Life Insurance: What It Can and Cannot Do — A Complete Guide for Agents and Consumers
Informal underwriting helps assess approval chances and avoid MIB declines for impaired-risk life insurance, even after prior denials.

Philippe Deray
Nov 246 min read


Life Insurance Considerations for Professional Divers and Underwater Welders
Professional divers and underwater welders face high risks, but life insurance may be possible with good health, safety practices, and certifications.

Philippe Deray
Nov 204 min read


Life Insurance for Lifeguards and Water Rescue Personnel: Navigating High-Risk Coverage
Lifeguards face unique risks, but with training, safety, and good health, they can possibly secure life insurance coverage for their families.

Philippe Deray
Nov 204 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 Adventure Sports Enthusiasts: Kayaking and Whitewater Rafting
Kayaking and whitewater rafting are high-risk activities, but with safety measures and good health, participants may potentially secure life insurance coverage.

Philippe Deray
Nov 204 min read


Life Insurance for Recreational Horseback Riders: What You Need to Know About Possible Approval
Recreational horseback riding carries risks, but many casual riders may possibly be considered for life insurance. Knowing how insurers assess riding type, frequency, and safety can help secure coverage.

Philippe Deray
Nov 205 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 Mountain Bikers and Trail Biking Enthusiasts
Mountain biking is higher-risk, but with safety and health measures, enthusiasts may possibly secure life insurance coverage.

Philippe Deray
Nov 204 min read
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