How to get Term Life Insurance for clients with HIV/AIDS

Posted on: June 27th, 2019 by Brad Schwartz

Term Life Insurance For HIV/AIDS

Historically, I have had no access to life insurance products that will cover clients after contracting HIV or AIDS. Solutions Financial was founded on the premise of providing a Solution for every possible client. Therefore, I spent many hours in the past calling colleagues and carriers alike searching for a solution. Thankfully the Industry has caught up and Solutions Financial now offers an affordable Term Life Insurance for HIV/AIDS patients. Additionally, this product is approved with No Medical Exam and is underwritten by one of our strongest partners.

Are there exclusions?

As discussed, our Term Life Insurance for clients with HIV/AIDS will provide instant coverage. However, are there any major exclusions?


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Strong Family Connections can Increase Life Expectancy

Posted on: June 28th, 2018 by Peter Choma

“The greatest gift you can give your family and the world is a healthy you” – Joyce Meyer

Over a century’s worth of research underscores the link between life expectancy, physical health and strong, healthy family connections. The researchers behind a new meta-analysis conclude family support can increase survival by up to 50 percent. Moreover, exercising or losing excess weight turns out to be less important to physical health than interpersonal social networks.

The researchers analyzed results of studies going back to the early 1900s with a total of 308,849 participants. Strong family connections were found to help improve health and extend life expectancy. This is done primarily by protecting individuals from stressful situations or establishing a standard of healthy living.


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Don’t Leave Making A Will Too Late

Posted on: January 20th, 2016 by Peter Choma

Don’t leave making a Will too late

Making a will is one of the tasks that people tend to put off most. Also, it’s one of the main reasons why millions of dollars worth of assets left by loved ones don’t end up in the right hands. Don’t leave making a Will too late.

None of us like to talk about death and I can understand why. However, failing to make a Will can leave those left behind with significant problems and stress. Extra stress not needed at what is already a tough time.

You have spent a lifetime working hard to accrue wealth and property. Surely you want to have a say in who receives what when you die?


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Joint Term Life Insurance Explained

Posted on: November 6th, 2013 by Peter Choma

Joint Term Life Insurance Explained

First of all, what is “Term Life Insurance” ?

Term Life Insurance is where you take out a policy to cover a death of the insured for a set period – the Term.  To have  Joint Term Life Insurance Explained, we have to talk about a few more topics. These are typically used by people who may have a mortgage, or other large repayment commitment. These people require coverage to make sure that payments are covered in the case of death. Once the Term insurance is finished you do not get any funds in refund for not making a claim. In addition, there is no surrender value.

Once you stop paying the premiums on a joint term policy,


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Hobbies that may make your Life Insurer Squeamish

Posted on: September 13th, 2013 by Peter Choma

Hobbies That make your Life Insurer Squeamish

Things like smoking or having a high risk job will affect your life insurance policy – namely the premiums will be higher in relation to the risk you take. Most people, however, do not think of their hobbies when they take out a policy. What hobbies may make your Life Insurer squeamish? Some activities that you perform as a hobby in your spare time will make your insurance company very nervous. An obvious example;  having “skydiving” as a weekend hobby will affect your policy. It will cost you a lot more than someone who doesn’t go skydiving as you have a greater risk of being killed while enjoying this hobby.

Failure to inform your life insurance company of a potentially dangerous hobby could result in the company not paying out in the event of a death while partaking in that hobby,


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