top of page
All Posts


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

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 Sailors and Small-Boat Racers: What You Need to Know Before Applying
Sailing and small-boat racing carry unique risks, but with safety measures and experience, individuals may possibly obtain life insurance reflecting their lifestyle.

Philippe Deray
Nov 205 min read


Life Insurance for Motorcyclists: Understanding How Coverage Is Possibly Achievable for a Higher-Risk Activity
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.

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 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 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


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

Philippe Deray
Nov 194 min read


Life Insurance Considerations for Recreational Scuba Divers
Recreational scuba diving carries risks, but divers may possibly secure life insurance by following safety guidelines and maintaining good health.

Philippe Deray
Nov 194 min read


Life Insurance for Recreational Skiers and Snowboarders: Navigating Risk and Coverage
Recreational skiing and snowboarding carry risks, but with good health, proper safety practices, and honest disclosure, enthusiasts may possibly obtain life insurance coverage despite their high-risk hobby.

Philippe Deray
Nov 194 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 Controlled Autoimmune Diseases
Controlled autoimmune diseases may still allow possible life insurance with proper management and documentation.

Philippe Deray
Nov 195 min read


History of Previous Minor Strokes or TIAs: Life Insurance Considerations
A history of minor strokes or TIAs doesn’t prevent you from possibly obtaining life insurance with proper management and planning.

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
bottom of page
