Posted by John A. on June 22, 2009 at 21:45:06 from (76.1.122.170):
In Reply to: Life insurance ???s posted by gun guru on June 22, 2009 at 17:07:51:
Gun, As most here on the boards know that I became a Life/Health/Annunity Agent here Texas, after I stopped farming for a living. Yes! Diabetes does complicate matters a bunch where Life insurance is concerned. But the good news is that there is about 400 thousand types of policies, provided by just about as many companies. some companies take a dim view of diabetes while others view it more favorably and a bunch inbetween! It all depends on your long term needs. As far a Term vs Whole Life vs Universal life again what are your long range plans. How much are you thinking you need, obligations with creditors, retirement, Do you want your wife to not have to work the graveyard shift at the local 7-11 Store. This is when most bad things happen! And what about Final Expenses, The funeral, so you don't have to present the local funeral home a 100k policy to pay for a 10k funeral. Above all else working with your budget to maximize your coverage for the dollars avaliable out of your budget. Gun, Basiclly, coverage is based off of Age,Tobacco or NonTobacco rates, General health, and amount needed,& When do you expect to die! Though I can not give you a quote for your state, Unless you are in Texas, LOL! I can discuss your opitions and what are your best opitions for your situation As it relates to you and your wife. If you like Hollar at me Tommorrow! an I would be glad to visit with You. My # is 512-577-3837 Later, John A.
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