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Life Insurance with Diabetic Neuropathy

Diabetic neuropathy is nerve damage caused by years of high blood sugar. It develops slowly and affects how nerves send signals throughout the body. Insurance companies pay close attention to any diabetic complication that shows up in a medical record, and neuropathy is one of the main red flags. That’s not because people with neuropathy…

Elks Lodge Life Insurance Member Options

Many Elks members reach a stage of life where financial protection becomes more important than ever. Retirement, rising health concerns, and the increasing cost of funerals make life insurance a practical need rather than a luxury. A single funeral can cost tens of thousands of dollars, and many Elks members are not prepared and often…

Long Term Care Insurance Pros And Cons

Long term care insurance pays for help when someone can no longer manage daily activities on their own. This includes things like bathing, dressing, transferring, toileting, eating, or continence. These activities are called ADLs, and every insurance company uses them to decide whether benefits start. A claim only begins when a licensed medical professional confirms…

American Legion Member Life Insurance Options

Many American Legion and Auxiliary members believe their membership already gives their family strong life insurance protection. What they actually have is a small accidental death program and a graded senior term offer with tight limits, rising costs by age band, and no coverage for many of the most common causes of death. This guide…

Prepaid Caskets, Pros And Cons Explained Clearly

Prepaid caskets are one of the most misunderstood funeral products sold today. They are often marketed as a smart way to lock in a final expense, but the fine print rarely gets the attention it deserves. A prepaid casket is not the same as funeral insurance for seniors. It is not regulated like life insurance.…

IUL For Church Members And Faith Based Communities

IUL For Church Members & Faith Based Communities

Some life insurance agents see church members as the perfect audience to sell IULs. They know people in faith-based communities value trust, stewardship, and providing for their families. That makes them easy targets for complex life insurance products, such as Indexed Universal Life, often sold under names like “Kingdom Banking” or “Infinite Banking God’s Way.”…

IUL For Military Members - IUL For Veterans

IUL For Military Members & Veterans

IULs are often promoted heavily to military members and veterans by some life insurance agents. They see disciplined professionals with stable pay, guaranteed benefits, and a deep commitment to family security. That makes service members the perfect target for a product that supposedly protects their family and loved ones. Some agents will present IULs as…

American Amicable Burial Insurance Review – Pros & Cons

Founded in 1910 and headquartered in Waco, Texas, the company has operated for over a century, offering simplified policies at higher than average pricing. Today, it’s part of iA Financial Group, a large Canadian insurance conglomerate that owns several U.S. life insurance subsidiaries. That ownership gives American Amicable some financial backing and stability, though it…

Final Expense Life Insurance Diabetic Retinopathy

Diabetic Retinopathy Final Expense Life Insurance

Being diagnosed with diabetic retinopathy does not mean you can’t qualify for life insurance. The problem is that most companies and life insurance call centers group all diabetics with “diabetic complications” into the same high-risk box, which leads to automatic waiting periods and overpriced premiums. That’s lazy underwriting and doesn’t provide accurate risk assessments, and…