Category Archives: Term Life Insurance
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?
“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.
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,