Life Insurance - Special Risk Life Insurance

Medical Exam Free Life Insurance: Your Definitive Guide

Is the thought of having a paramedical exam bringing you down? Do you just really hate the thought of dealing with needles? Some people might have “white coat syndrome” causing elevated blood pressure readings just from being in a doctors office. Whatever your reason, you can bypass the nurse and needles and the whole paramedical exam in full. Life Insurance with no medical exam isn’t too hard to find these days. I am putting together …

Final Expense Life Insurance With A COPD Diagnosis

by Special Risk Life Insurance

Looking to protect your family from burial and funeral costs but having a tough time finding the right policy because of COPD? You’re not alone. Final expense life insurance with COPD—and especially one with immediate, full coverage—is harder to come by, but not impossible. In this article, we’ll walk you through how to get life insurance with COPD, what affects your rates and eligibility, and how to avoid overpriced or underperforming policies. Final Expense Life …

Gerber Life Insurance Review: Pro’s, Con’s & Rates

by M. J. Flajole

2025 Update: Gerber Life’s guaranteed issue life insurance is still widely advertised on TV and online — but is it really the best option for seniors with health concerns? In this review, we’ll cover what’s changed (and what hasn’t), how the policy works, and better alternatives that could save you money — even if you’ve been declined elsewhere. 🔎 Gerber Guaranteed Issue Life Insurance — At a Glance Issue Ages 50–80 Coverage Amounts $5,000 – …

Best 20 Year Term Life Insurance: What You Need To Know

by Special Risk Life Insurance

Are you thinking about Term Life Insurance? Find the answer you need here today. Looking for the best 20-year term life insurance policy? You’re not alone. It’s one of the most popular options out there for young families, new homeowners, and anyone looking for rock-solid, affordable protection for the most vulnerable years of their financial lives. This guide gives you the real scoop. No fluff, no sales pressure—just straight-up facts, personal insights, and a clear …

Banner Life Insurance Review: The Inside Report 2025

by Special Risk Life Insurance

Are you doing your homework on Banner Life Insurance? Smart move. We’ll help you cut through the noise with a professional, firsthand review that skips the hype and gives you real insight. Banner Life Insurance Company, part of Legal & General America, doesn’t rely on flashy commercials or household name recognition. Instead, they focus on delivering strong life insurance products backed by excellent financials and a commitment to underwriting flexibility—especially for people with medical conditions. …

The Best Burial Insurance Companies: Inside Report for 2025

by M. J. Flajole

Planning for that final day of life is hard, isn’t it? No one likes to think about it more than necessary. But if you’re looking to protect your loved ones—or leave behind a financial gift—choosing the best burial insurance policy is a crucial step. So, which companies are actually worth considering? We’re breaking down the top burial insurance companies that offer whole life coverage, simplified underwriting, and fast application processes—without needles, exams, or medical records. …

What Every Senior Needs to Know About Life Insurance — No Nonsense, Just Real Talk

by M. J. Flajole

When my friend Joan turned 72, she kept hearing ads about “senior life insurance” but didn’t know where to start. Like many seniors, Joan felt overwhelmed and skeptical — was it going to be too expensive? Would she even qualify with her health issues? What if it was just a sales gimmick? If you’ve felt the same, you’re not alone. And that’s why I wanted to write this — to cut through the noise and …

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 and convenient with modern technology. Ease of qualification varies from product type and carrier to carrier based on your overall risk profile. If the product you apply for requires a Paramedical Exam (nurse sent to your home or office) and an …

Affordable Burial Insurance For Seniors: A Simple, Definitive Guide

by Special Risk Life Insurance

How We Work With You We want to make getting burial insurance as easy and convenient as possible. Our office does not accept walk-in visits. Instead, we connect with you in the way that suits you best: over the phone, online, or by scheduling a personal meeting at a location you choose—like your home, a coffee shop, or a restaurant. This flexible approach lets us fit into your life with minimal hassle while providing expert …