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Quote Today Blog

How to determine your life insurance policy length

3/26/2021

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When you buy life insurance you want to make sure the policy continues for as long as you have people who depend on you financially, and until your last major financial obligation is paid. But how do you determine how long your policy should last? ​

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How to buy life insurance as a couple

3/17/2021

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An important part of building a life with your significant other is creating a good financial foundation that can protect each other and your family. Acquiring life insurance for yourself and your spouse should be a big part of that plan. To find the best coverage for your partner, here are some tips.

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How does Burial Life Insurance Work?

10/25/2019

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​​When thinking about how you will arrange for final burial expenses including your funeral costs, you may be confused by your options. What’s more is that thinking about death isn’t something most people like to do, and so emotion can sometimes get in the way of making sound decisions.
 
By learning what you need to know about burial life insurance now, you can ensure that you make a decision that will be the best for those you leave behind.
 
The first thing is to understand the differences between a day one burial life plan and a graded death benefit life insurance policy. Some life insurance companies will call these policies final expense life insurance, they are really just permanent guaranteed issue whole life insurance policies.
 
Graded death benefit plans ask no health questions and anyone can qualify no matter your health.  With a day one burial policy, it will typically only ask up to 6 health questions.
 
Burial Whole Life Insurance vs. a Pre-Paid Funeral Life Insurance Plan.
With burial whole life insurance, the people you leave behind would be able to pay for your burial expenses and there could still be money left over with which they can support themselves and cover other miscellaneous costs, tax-free. Owning your policy has many advantages versus a pre-paid funeral plan. What’s more is that a burial whole life insurance policy gives your beneficiaries the freedom to decide how the money can be used, while a pre-paid funeral plan forces you to designate all of the money towards the funeral expenses at the funeral home in which the plan was purchased.
 
This begs the question, then, of what a person would do if they happened to move to a different state or how you would get your money back if you decided you didn’t want to be buried after all, but would prefer cremation.
 
Another shortcoming of the pre-paid funeral plan is that it leaves no death benefit for beneficiaries. It goes without saying that if they knew all the facts, most people would probably want to leave their loved ones with a little extra money.
 
One of the biggest and less-obvious advantages of a burial life insurance policy is that these policies are often more affordable than a pre-paid funeral plan, as long as you’re in good health. Then, when it comes time to making payments on your policy, you also have many different payment options.
 
As you can see, burial whole life insurance offers much more flexible and even affordable coverage than a pre-paid funeral plan. Consider how each works carefully before making your decision.

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Life Insurance for HIV Patients

8/27/2019

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Life Insurance for HIV Patients

John Hancock is pleased to offer term and permanent life insurance coverage to applicants living with
human immunodeficiency virus (HIV) if they’ve had a favorable clinical course with a successful response
and adherence to antiretroviral therapy (ART). This is in keeping with John Hancock’s awareness of medical
advancements, progressive approach, and continued commitment to its customers.

This offering includes:
• Term and permanent life insurance coverage
• Miniumum face amount of $250,000
• Maximum face amount of $2,000,000

Underwriting criteria for persons infected with HIV:
• Age at application 30 to 65, self-admitted diagnosis
• Followed and monitored by a qualified physician
• Minimum five years of compliance with ART, with no
lapses or delays in treatment
• CD4 count of 350 cells/mm3 or higher for at least two
years, including a current CD4 count
• Current and prior two-year viral loads must be
undetectable (<20 copies/ml or below current
detectable laboratory limit)
• Current negative hepatitis B and hepatitis C testing

HIV-positive applicants with the following conditions will not be eligible for coverage:
• Newly or recently diagnosed with HIV
• Any AIDS-defining illness
• Documented viral resistance to treatment
• History of intravenous drug abuse, polysubstance
use, or alcohol concerns
• Coronary artery disease or diabetes
• Hepatitis B or hepatitis C history (including treated)
• Rateable psychiatric conditions
• Rateable low (or decreasing) build
• Hypoalbuminemia
• Proteinuria
• Malignancy

Factors Affecting the Decision
• Current age
• Date of diagnosis
• Documented favorable and stable clinical course, strict
adherence and response to ART (minimum of five
years of favorable treatment)
• Absence of significant immunosuppression or
co-morbid conditions (e.g. diabetes or coronary artery
disease)
• Tobacco use

Quote Today is excited to offer these product through our partner John Hancock.

Please feel free to contact us today for your no obligation quote.
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4 Reasons Millennials Need Life Insurance

11/4/2018

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​Today’s generation is composed of millennials who are young adults, career-driven and have a buying power, so often referred. With these characteristics, some of them face different financial challenges that are involved mainly by their buying preference, lifestyle, and other interests.
 
Millennials are not full of negative qualities. In fact, it is the generation that is the most career-driven, hence, good for the betterment of the economic stability. More so, they are the ones who are adventurers, seek opportunities, and are concerned with environmental-related matters, and more likely to do something about it.

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Life Insurance: Telling People To Be Safe Is Not Enough

10/21/2018

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​Safety is always a priority. Even at the workplace, safety is a concern for everyone. You may think you work in a low-risk environment, let's say an office. However, any place can be an accident waiting to happen. A safe workplace means not only fewer disasters but also better productivity, motivation, and general satisfaction of employees. It even means savings for the company. So the question is, how do you instill this culture into the office? Telling them to be safe is not enough. They will have to live by this philosophy.

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The Deciding Factors Between Term Life And Whole Life Insurance

10/10/2018

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​If you have decided to buy life insurance, congratulations, you will now have to decide on a whole lot more. You will now need to decide whether to get term life or whole life. You will also need to choose who your beneficiaries are. Same goes for the total amount you will be investing. And the list will go on. However, moving back to the first one, that is probably the most difficult choice you will have. Do you go term life or whole life? That is the question.

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Securing Long-Term Care Insurance for Long-Term Progressive Disorders

9/25/2018

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​As we grow old, we will face significant challenges, especially with our health. Affecting about a million Americans and ten times of that worldwide is Parkinson's disease. As with other chronic illnesses, it is found to be caused by a complex range of genetic and environmental factors. While commonly known to affect people in their later years, there have been cases of patients below age 50. And statistics even show that men are more likely to develop it than women.

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Don’t Take Life Insurance for Granted

9/14/2018

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We live in an era where one can quickly take most things for granted. Of course, we still struggle with life, be it at work, school or at home but it’s easier more than any moment in history for us to have access to a myriad of things.
​ 
Our world’s fast transition from an analog to a digital age has rendered most of us complacent in a lot of aspects of our lives. With even the most menial tasks sometimes so readily available and achievable to us, probably one of the significant struggles we all face now are our financial worries. 

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The Best Things To Say To Your Younger Self

8/27/2018

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​Have you ever uttered the words "I told you so!" I'm sure it felt good to be right. If you are like me, you may have felt a little satisfaction in reminding someone that they should have listened to you. I know there is a sense of being obnoxious, but it is a natural feeling. As you get older and wiser, you tend to realize many things. Very often, you tend to realize things too late. As much as you would love to say "I told you so," you would hate to say it to yourself. However, if you just thought of things earlier in your life, things may have been better. If you had a chance to talk to yourself from 20 or 30 years ago, what would you say? Here are some of the best things to tell your younger self.

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