Frequently Asked Questions

Given its flexibility, final expense insurance mitigates some of the worry preneed or prepaid plans may leave unresolved. Many of the concerns and limitations of those plans don’t apply to final expense. However, there are some things you should be aware of before enrolling in final expense insurance. Benefit Burial/Preneed/Prepaid Insurance Final Expense Insurance Expenses… [Read More]

Final expense insurance, or burial insurance, is meant to cover the cost of funeral and burial services like the prepaid plans. However, unlike preneed and prepaid funeral packages, final expense insurance can also help cover a number of costs, including but not limited to: Outstanding debts Probate or legal fees Medical bills Outstanding debts This… [Read More]

The need to have a life insurance doesn’t actually end when your children grow up, as many may suggest. Keeping life insurance (either term insurance or whole life policy) is a good idea. Read more.

Living in the current Covid 19 environment, life insurance for diabetics is still obtainable. Nevertheless, your premiums will vary depending on several factors, including your life insurance company, your age, your diabetes type, severity, and treatment, just to mention a few. The more risk you present in any of these categories, the more you’ll pay… [Read More]

The type of diabetes will not only affect your chances of approval but also the premium, if you get approved. Type 2 diabetics often get better rates, but if you have type 1 diabetes and can prove it’s being well-managed by a consistent treatment plan, your premiums may be lower than someone with type 2… [Read More]

Pre-existing conditions don’t have to hold you back. You can buy life insurance with a diabetes diagnosis, though you will most likely end up paying more for a policy than someone without diabetes, ceteris paribus.

Due to the ever-changing nature of the coronavirus pandemic, some insurers are modifying processes and imposing coverage restrictions on certain health conditions or age groups. Your Insurance Pro agent will be able to further discuss your options and find out how to get the most affordable policy with the best coverage.

You are eligible for Medicare when you turn 65. Some people get Medicare automatically, and some have to sign up. You may have to sign up if you’re 65 (or almost 65) and not getting Social Security.

The best plan is the one that meets your needs, that your doctor is in the network or in the provider network and that covers your medications.

According to medicare.gov If you’re retired and have Medicare and group health plan (retiree) coverage from a former employer, generally Medicare pays first for your health care bills, and your group health plan coverage pays second.