Special Life Insurance

What is Key Man Life Insurance?

Written by Termland.com

In many cases, and especially in small to mid-size businesses, success can depend upon a few top people that possess unique talents, skills and expertise. These key employees are critical to the long term performance of your company. Losing one of these essential people due to a death or disability can have a damaging effect.. More

Affordable Life Insurance Rates with Heart Attack or Heart Disease

Written by Termland.com

Does having a heart attack in your medical history mean you are uninsurable? Get more info on Heart Disease Life Insurance Assessing Heart Damage and Insurability A myocardial infarction is a medical term for the more familiar term heart attack. Both labels are used when discussing the most common cause of death in the United States… More

What is Disability Income Insurance?

Written by Termland.com

If you are like most people, your biggest asset is your ability to earn an income. Without your income, it would be hard to survive much less maintain your same standard of living. The three major threats to your financial security are death, illness or injury. Life insurance is the practical way of securing your.. More

Can I Get Life Insurance with a History of Angina?

Written by Termland.com

In short, the likely answer is yes but there are some factors within your control that can positively affect your chances of getting a more favorable rate for life insurance. The list below includes health and lifestyle issues that if implemented will be evidence to the insurance company that you are serious about your health.. More

Business Succession and Business Continuation Planning

Written by Termland.com

Every business owner knows that building a successful company requires dedication, commitment and hard work. Once a company is established, business succession or business continuation planning becomes an essential part of the process to assure future continued grow. Business succession planning addresses all potential contingencies that may affect a business or business owner including retirement,.. More

Sample Alcohol Questionnaire : Alcohal and Life Insurance

Written by Termland.com

If you are applying for life insurance with a history of alcohol abuse, you will be required to provide detailed information regarding your alcohol use history. Your answers to the questions below will determine which insurance company will offer you the most competitive rate for life insurance. Each company has their own specific alcohol questionnaire.. More

Life Insurance for Scuba Divers

Written by Termland.com

How Scuba Divers Avoid Overpaying and Get the Best Rates for Life Insurance Despite maintaining excellent health and fitness levels, many recreational scuba divers often fall into a high-risk category when buying life insurance. If you enjoy scuba diving, we agree that you shouldn’t be forced to pay higher rates for life insurance simply because.. More

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