Category Archives: Term Life Insurance

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 by protecting individuals from stressful situations or establishing a standard of healthy living.


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Joint Term Life Insurance Explained

Posted on: November 6th, 2013 by Peter Choma

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. These are typically used by people who may have a mortgage, or other large repayment commitment, and require coverage to make sure that during the period of the commitment the 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 against the policy nor do you get a surrender value.

Once you stop paying the premiums of a term life insurance policy, or joint term policy,


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