December 12, 2017 | Sam Goldsmith |http://www.lifehappens.org/blog/you-think-you-wont-qualify-for-life-insurance-but-youre-wrong/
Think you can’t qualify for life insurance? Think again.
You want to protect your loved ones for the future once you’re no longer around to provide for them. We all do. Life insurance gives you that peace of mind that your family will be taken care of after you’re gone.
However, you’re also worried that your health issues mean you won’t qualify for life insurance because it is meant for healthy people only. So what do you do?
Don’t despair—there is good life insurance out there for you! Whether you have diabetes, heart disease, mental health issues, kidney or liver problems, or almost any other health condition, you can qualify for life insurance!
Looking at the Big Picture
About 85% of consumers agree that most people need life insurance, but only 59% are actually insured, according to the 2017 Insurance Barometer Study by Life Happens and LIMRA. Why?
Let’s look at the facts. There are plenty of reasons why someone may not have life insurance or may not qualify for it, including:
• Recent heart disease
• Heart disease prior to the age of 50
• Any recent major disease (cancer, liver, kidney issues)
• Major mental health issues (such as suicide attempts)
• Kidney and/or liver disease
• Wrongly assuming they won’t qualify
Surprised by that last point? You’re not alone. Many Americans wrongly assume they won’t qualify for life insurance, and thus, never attempt to get insured. We are here to put an end to the myth that only healthy people can get life insurance.
We are here to put an end to the myth that only healthy people can get life insurance.
Actually, almost any health history can be insured. The right company can get you insured at an affordable rate, even if you are dealing with any of the issues I listed above.
Take a man in his late 40s, who had suffered a severe heart attack in his early 40s, and while he had been declined elsewhere, we were able to find a company that would insure him.
Another great example is mental health issues, many times consumers with mood disorder and or depression with multiple medications are not insurable. But every company’s underwriting department has unique needs to fill, so recently an individual who had been declined multiple times for mood disorder was able to secure permanent insurance because he has a steady job, and the mental health issues didn’t impact his daily living.
If you are dealing with health conditions, life insurance companies love seeing that you’re working to improve or properly maintain your health.
So if you are over 50, have had heart disease, and it has been resolved for a few years, you can qualify for life insurance.
If you control your diabetes through diet and medication, you can qualify.
If you maintain your mental health with medication and lead a normal life, you can qualify.
Basically, follow your doctor’s orders and you are much more likely to qualify. And that means being able to get financial protection with life insurance that your loved ones need and deserve.
December 18, 2017https://blog.allstate.com/4-ways-stay-toasty-apartment-without-turning-up-heat/
Keeping your home warm and cozy in winter can be tricky, especially for apartment dwellers who generally have limited options when it comes to altering a unit. But, there are still some things renters can do to stay toasty without turning up the heat. You might also save a little money on your next heating bill, too. Here are four ways to help keep warm in your apartment this winter.
1. Layer Up Instead of putting on one heavy sweater, consider covering your head and feet to help keep warm in your rental home, says Apartment Therapy. Wearing a hat, hood, socks or slippers can help prevent heat from escaping your body so you feel warmer. Another bonus, wearing socks or slippers can also help insulate your feet if you’re walking on chilly floors.
Apply this same principle to your bedding. Layering your sheets and blankets can help trap warm air, according to Apartment Therapy. Start with a fitted flannel sheet, and add one or two light blankets and a comforter. Remember, you can easily peel off layers during the night if you get too hot.
2. Cover Your Walls and Floors Hanging up wall tapestries in your apartment can be another way to help insulate and keep heat inside your home, says The Spruce. If you prefer not to buy new tapestries, you can also hang quilts, blankets or whatever you have around the apartment for a quick fix.
If you have hardwood or tile floors in your rental, consider getting some area rugs to help provide a little more insulation from cold floors, adds The Spruce. If you don’t want to purchase new rugs, consider using towels or blankets instead.
3. Use a Rubber Water Bottle in Bed Heat up your bed before getting in by using an old-fashioned hot water bottle, says Apartment Therapy. It can warm up the bed quickly and is easy to use. Start by filling the rubber water bottle with warm tap water and put it at the foot of your bed a few minutes before getting in, says MarthaStewart.com. Remember, make sure to close the bottle’s lid tightly so you don’t end up with damp sheets.
4. Reverse Your Ceiling Fan Ceiling fans are not just for summer use. They can help you stay warm in the winter as well, according to EnergyStar.gov. Most ceiling fans have a switch that allows you to reverse the rotation in the opposite direction. Switching over from counterclockwise to clockwise in the winter helps create an updraft and pushes the warm air that’s generally up near the ceiling back down into a room, adds EnergyStar.gov. Run the fan at a low speed to help keep the warm air circulating throughout a room.
With these small adjustments, you’ll have a little more warmth in your home without cranking up the thermostat.
The Richard Rose Agency will frequently provide helpful tips and information that can save you money, keep you safe and improve your life.