People living with HIV may qualify for term and whole life insurance with a few insurers, but coverage will likely be costly. Final expense and group life insurance are also options if you’re HIV positive. By Amanda Shih&Katherine Murbach ...
With all the different types of life insurance, how do you know where to start looking? Picking the right life insurance to keep your loved ones from financial hardship doesn’t have to be challenging. Term life insurance usually meets most people’s needs for coverage, but there are many ...
Alliance Group are experts in Life Insurance with Living Benefits - including Chronic Illness Insurance, Critical Illness and Retirement Savings.
Simplified issue life insurance is a life insurance policy where you can be approved for with minimal health questions. You will also get to bypass a medical exam where bloodwork is required. This type of life insurance is typically geared towards older people or people who have health issues,...
Alliance Group are experts in Life Insurance with Living Benefits - including Chronic Illness Insurance, Critical Illness and Retirement Savings.
Gamboa, Glenn
If you’re not interested in traditional term or permanent life insurance, but still want to provide your loved ones with some financial security, one of these policy types may be worth considering: Final expense insurance A form of permanent life coverage intended for – but typically not req...
Alliance Group are experts in Life Insurance with Living Benefits - including Chronic Illness Insurance, Critical Illness and Retirement Savings.
2. Your Dependents Will Have Money for Living Expenses A common rule of thumb says your life insurance death benefit should be worth 10 times your income.5If you have a policy (or policies) of that size, the people who depend on your income will still have money to cover their ongoing ...
Term life insurance differsfrom permanent life insurance in several ways but tends to best meet the needs of most people looking foraffordable life insurance coverage. Term life insurance only lasts for a set period of time and pays a death benefit should the policyholder die before the term has...