M. J. Flajole, Author at Special Risk Life Insurance

Best Life Insurance With COPD: The Truth [2023]

View Post If you have been searching for life insurance that accepts Chronic Obstructive Pulmonary Disease, COPD, you’ve come to the right place. This is a preexisting condition we regularly work with on a near daily basis. Picking the best life insurance for COPD is going to depend upon the seriousness of the disease and how much financial protection you need. If you are determined to find the right life insurance with COPD friendly underwriting, …

Guide to: Best Life Insurance For Diabetics

by M. J. Flajole

Obtaining the best life insurance for diabetics requires attention to your lifestyle and daily routine. Insurance companies like to know people who take their Type 1 or Type 2 diabetes seriously. Your Hemoglobin A1C is one, if not the most important blood level tests to determine the your diabetic life insurance cost. Ideally, your HbA1C for life insurance underwriting evaluation is less than 7.0%. A good number of the most competitive life insurance companies for …

Guaranteed Issue Whole Life Insurance – Our Simple Guide

by M. J. Flajole

No Medical Questions Life Insurance If you have been searching for life insurance with no medical questions, you’ve just discovered guaranteed issue whole life insurance. Designed for seniors and individuals typically 50-80. Any applicant must be legally able to consent to the insurance. Power of Attorney (POA) is not acceptable to any insurer at this point, sorry. With that said… What you will find most common among the polices issued as “Guaranteed Issue” are the …

The Best Burial Insurance Companies

by M. J. Flajole

Planning for that final day of life is hard to do. No one likes to think about it any longer than required. Need the right kind of life insurance to protect or leave a gift for your loved ones? A common decision item is picking the best burial insurance from the companies that offer this type of whole life coverage. Now, the best burial insurance policies are always going to require some health history questions. …

Mortgage Protection Insurance or Term Life Insurance

by M. J. Flajole

Mortgage Protection Insurance, sometimes called MPI, is designed for one purpose, to pay off the debt on a mortgage. This is if the borrower loses their life either due to either an accident or natural causes. Now, term life insurance can be used for any purpose, including but not limited to a mortgage payoff. Under most circumstances, a term life insurance policy is a better choice and offers a lot more options. In this article, …

Buying Life Insurance The Easy Way

by M. J. Flajole

If you are looking into buying life insurance for yourself or on behalf of a family member, you’ve found a good place to get the ball rolling. Buying Life insurance online can be easy with modern technology, however please remember, no quote is guaranteed until approved by the actual insurance company underwriter. Qualification varies from product type and carrier to carrier based on your overall risk profile. If the product you apply for requires a …

How To Get Life Insurance After a Heart Attack

by M. J. Flajole

If you have become a victim of a heart attack and need life insurance, you’re far from alone. The shock is certainly a frightening experience that probably got you thinking about your own mortality. Maybe even about the life insurance that you have or may have put off? Are you really wondering if you can get life insurance after a heart attack and/or heart surgery? You might have heard rumors about how expensive life insurance …

Graded Benefit Whole Life Insurance For High Risk Health

by M. J. Flajole

So your health has placed you in a very higher risk category for life insurance? Maybe you are assuming that the best life insurance options companies won’t give you the coverage you want and need? Don’t lose heart. The news isn’t all bad as you still have options for life insurance. Graded death benefit life insurance is designed for those who are indeed, high risk life insurance candidates. If you are unable to qualify for …

Is Funeral Insurance Worthwhile Or Not?

by M. J. Flajole

Funeral Insurance, what is it and how does it work? Is it a good move for me? In this post, I will discuss a very difficult to talk about but very specific life insurance product. Yes, Funeral Insurance. We are going to put enough information into this article to help decide if Funeral Insurance for seniors is worthwhile for you, personally. While a difficult subject to think about, talk about and financially plan for, as …

Globe Life Company Review – The Need to Know And More

by M. J. Flajole

So you are trying to get some feedback on Globe Life? Maybe you’re asking the question… is Globe Life legitimate or not? Your resolve: do some due diligence by finding some Globe Life Insurance reviews. We’ve got your answers here. Now, before I get into our Globe Life Insurance review here today, I will put out a “disclaimer” up front. We do not have a business relationship with the Globe Life Company nor are we …