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Life Insurance Medical Tips
Cigar smokers and life insurance: the inside scoop
Cigar aficionados beware! Indulging in the occasional stogie could cost you more than the $150 you paid for that box of Cuba Caimans. It could cost you thousands of dollars in additional life insurance premiums.Get in Shape, Get Money Back
Ready for one of the biggest money-saving deals in your life? Buying life insurance and changing your lifestyle at the same time can get you some big bucks.Life Insurance and Cancer
Can a cancer survivor get life insurance? Sure s/he can. But be careful - premiums vary wildly.Life Insurance and Diabetes
A diagnosis of Diabetes means many new challenges in your life, not the least of which is trying to obtain life insurance.Life Insurance and High Blood Pressure
How to still get insurance with high blood pressure.Parkinson's Disease and Life Insurance
We have had several cases where an applicant with Parkinson's Disease has received standard rates (i.e the same rate a person without PD would receive).Health and how to get a better deal on your Life Insurance?
What can you do about yourself that would ensure you get a better premium? Find out in this article written by Lorne S. Marr.Medical Tests and Life Insurance
Taking a medical examination in concurrence with your life insurance application is an inconvenience worth enduring. It's the difference between adequately protecting your family and thouroughly protecting them.
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Sir.
I am a type two diabetic, my blood sugars are under control with the aid of one 250 mg metformin tablet in the morning and one after supper in the evening, I have no other medical problems, I have never smoked and am sixty three year old,I am presently looking for insurance, could you please advise
Thanks William. I will send you a seperate email with some additional details we would need to verify. All the best … Lorne
I am looking for life insurance for my husband. He is 62 years old and had a heart attack 9 years ago with no problems since. Can he get insurance? The term insurance we had is due and the price is tripled. HELP!
Hi,
Thanks for the note. We should be able to help. I will send you a seperate email. Regards … Lorne
Lorne, my husband and I have been with Primerica for over 10 years. I am 49 with no real health problems and he is 42 and the same, but we both are smokers.
Each year our rates go up and the coverage increases about $2,500.00, I think. I’m considering changing companies. We’re looking for more coverage with a better rate.
Several years ago my husband was put in the hospital for Acute PTSD and was diagnosed with depression and being bi-polar. We’ve been with a volunteer Fire Department for almost 15 years. I’m not an active firefighter anymore, but he has been Chief for several years, hence the PTSD. He was put on medication which caused him to be diagnosed with diabetes. He has been off the meds for at least 5 years and has no problem with his blood sugar. I believe it was justational diabetes, like some women get when they are pregnant. However, he is at risk for it since his Father is a diabetic.
I’d appreciate any guidance you could give me and would appreciate an e-mail with information.
Thanks, Judith
Hi Judith,
Thanks for the note. I will send you a separate email. I would be happy to try and help but I would recommend carefully considering your options before canceling your existing policy. Traditional life insurance coverage for your husband may not be available or only available on a modified basis depending on his health.
Best Regards … Lorne
Good Morning:
I am looking for life insurance as I am in excellent health but was diagnose with an illness which is under control and as long as I take my medication the illness would remain in a dormant stage. Other than this illness I am in very good shape and do exercise and play all kinds of sports. I am in very good shape for my age. I am 57 years old. Please write to me and let me know if I would be able to get life insurance.
Thanks!
Hi Nowlan,
Thanks for the note.
I will send you a separate email - you may qualify for a traditional life insurance plan. It would really depend on the type of illness.
We also have a variety of guaranteed issue life insurance plans for harder to insure individuals.
Best Regards … Lorne
Dear Sir or Madam!
I am looking for life insurance as I am in excellent health bu was diagnose with an illness which is under control and as long as I take my medication the illness would remain in a dormant stage. Other than this illness I am in very good shape and practice Taichi, Yoga, alternatine treatment, etc.. to keep me stronger than other people who have the same illness with me. I also look very young and good shape for my age which is 51old. Please write to me and let me know if I would be able to get life insurance. Many thanks.
Hi Katherine,
Thanks for the note. You should qualify - I will send you a seperate email and can starting working on a quote. Regards … Lorne
Sir
I am 41 years, with type 2 diabetic,my blood sugar is under control with two metformin tablets in the morning. I was turndown covers my scotia.I would like to be cover to give my family a pace of mind.
Hi- I am a VERY active 74yr. old female-non-smoker I swim 3X a week & flyfish from a float tube about 6mos of the year. I would like a $15,00 policy & I am willing to take a medical. I have insurance(house) with AXA so would like to stay with them. What type of policy would you suggest,& what would be the premiums.Thanks
Hi Mharie,
A Permanent policy (i.e one with a level cost for life) would likely be your best fit. I will send you a quote by email now. Regards … Lorne