Posts by Termland.com

Buying Term Life Insurance with No Medical Exam

Written by Termland.com

For some people, the thought of having to complete a medical exam just to buy a term life insurance policy is ridiculous. The good news is that you may not have to do an exam to obtain a reasonably priced life policy. In fact, if you can meet a few criteria you may be able.. More

Buying Life Insurance If You Have a Medical Condition

Written by Termland.com

Shopping for life insurance can be a daunting task if you have a pre-existing health problem such as a heart condition, diabetes, cancer or stroke. The main reason is that even minor health conditions can have a significant impact on your rates and many life insurance companies just are not willing to give you the.. More

Affordable Life Insurance for Diabetics

Written by Termland.com

Diabetes is a disease on the rise in the U.S., with an estimated 23.6 million Americans already diagnosed and another 5.7 million who don’t yet know they have it, according to the Centers for Disease Control and Prevention. The American Diabetes Association estimates that 65% of diabetics will actually die of a complication such as.. More

Life Insurance For Accountants and CPA’s

Written by Termland.com

As financial professionals, certified public accountants realize and understand the importance of owning life insurance to protect their families and businesses. Most accountants carry large amounts of life insurance and especially term life insurance. Many take advantage of coverage offered through associations such as the American Institute of Certified Public Accountants, the AICPA. While the.. More

Cost Comparison: Individual Term Life Insurance versus FEGLI

Written by Termland.com

Employees of our federal government are entitled to group term life insurance benefits through the government sponsored Federal Employees Group Life Insurance program (FEGLI). The FEGLI program became effective in 1954 and covers over 4 million federal workers and retires. Additionally, FEGLI pays out billions of dollars in claims every year. However, when actual FEGLI.. More

What Happens to FEGLI Group Life Insurance at Retirement?

Written by Termland.com

The Federal Employee’s Group Life Insurance program gives retiring employees the option to continue coverage into retirement if certain conditions are met. These conditions are as follows: You must retire on an immediate annuity (pension) under the federal retirement system;and, Been previously covered under the FEGLI program for the last five years of service directly.. More

Life Insurance for Federal Employees

Written by Termland.com

Most working Americans today carry some amount of group life insurance offered by their employer. That is also true for employees of the federal government. The government insurance plan is known as the Federal Employees Group Life Insurance Program and is commonly referred to as FEGLI. According to the US Government, “the purpose of the.. More

Life Insurance For Cigar Smokers

Written by Termland.com

“Why pay more for your life insurance when you don’t have to?” If you smoke the occasional cigar on the golf course or at a special event, unfortunately most life insurance companies will consider you a regular smoker which drives your rates thru the roof. In fact, regular smoker rates can be 3 times the.. More

How Does the AICPA Term Life Insurance Plan Compare to Low Cost Level Term Life Insurance?

Written by Termland.com

The items below identify some of the pros and cons of the AICPA life insurance plan when compared to ordinary level term life coverage. The AICPA Life Insurance Plan: The AICPA insurance program offers members an easy way to get term life insurance. In most cases there are no medical exams and if you are.. More

Price Comparison: AICPA Life Insurance vs. Low Cost Level Term Life

Written by Termland.com

Group life insurance coverage offered by the American Institute of Certified Public Accountants, the AICPA, is available to member CPA’s and many take advantage of this valuable coverage to protect their families and businesses. However, upon careful review of policy costs and features, AICPA coverage is expensive and in most cases individual level term life.. More