Rheumatoid Arthritis and Life Insurance Policies

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Often when you are shopping for a term life insurance quote and you have health issues it can be difficult to know what your premiums may end up being. Below is a good article with some links to resources if you have RA or Rheumatoid Arthritis and it helps you to know what information to give your life insurance broker so they may be able to shop the market for your best rates. 

Have you ever wondered if you have RA or Rheumatoid Arthritis if it were possible for you to actually get a term life insurance or other type of life policy?  The short answer is maybe "it depends" on a couple of key issues.  First, what medications you are taking to control the disease, how long you have been diagnosed and if it limits your function-ability.  Find out more from our article below and request your free term life insurance quote.

Rheumatoid Arthritis Life Insurance

Can you still find and qualify for Life Insurance even if you have Rheumatoid Arthritis? The answer is yes you can but it depends... Rheumatoid Arthritis or RA for short is a chronic inflammatory disease that can affect the connective tissues in your joints all over your body.  It typically manifests itself in people over age 30 to 50 but can be diagnosed at any age.  Women are more acceptable to the disease more than men as well.

How do you know if you have RA, symptoms may include:

• Stiffness in the morning
  Multiple joint arthritis i.e.-both hands or feet
  Rheumatoid Nodules - nodules under the skin
  Positive blood tests or Rheumatoid Factors from blood screens
  X-rays of the joints, can also detect RA

Hopefully you have found this information useful and it can help you in your search for quality affordable term life coverage.  As always please feel free to send us a note with any questions.

Lincoln Life Elements Term Insurance gets a policy fee increase

Below is an update to one of the largest life insurance carriers in the country. From time to time all life companies need to adjust the charges they collect to service their business.

Remember though Term Life Insurance is still the most affordable way to secure coverage and get a plan in place don't worry too much about the policy fee's unless you can get a better deal somewhere else with comparable coverage and convertibility options such as Lincoln Life.

Lincoln Life Insurance company is a major player in the term life marketplace with their core product being the Life Elements Term Life product. Consumers may not know this but life insurance carriers charge an annual policy fee to administer the policy for the policy holder, the carriers charge different amounts and this cost is factored into your annual premium payment. 

Here is the information on the policy fee rate increase, for more information please contact Lincoln National Life Insurance Company or your life insurance agent or broker.

On December 1, 2009 Lincoln will be increasing the annual policy fee on all Lincoln
LifeElements SM Level Term (2009) business from $75 to $125. The change will be
based on Policy Date (the date from which policy anniversaries are measured) and will
impact any and all business with a Policy Date of December 1, 2009 or later.

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ING Reliastar Life Insurance Contact Information

ING Reliastar Life Insurance Company continues to bring excellent Term Life Insurance and Permanent Life Insurance products to the market.  Even in these troubled economic times they are one of the largest players in the life insurance industry. 

See below for contact information for the various life insurance departments of ING Reliastar Life Insurance company...

ING Financial Services | Locations (Affiliates)

ReliaStar Life Insurance Company

20 Washington Avenue South
Minneapolis, MN 55401
Tel. 877.886.5050
Fax. 612.372.5339
Website: www.ing.com/us/lifeinsurance

ReliaStar Life Insurance Company of New York

1000 Woodbury Road
Suite 208
Woodbury, NY 11797
Tel. 800.626.2286
Website: www.ing.com/us/lifeinsurance

Security Life Of Denver Insurance Company

1290 Broadway
Denver, CO 80203-5699
Tel. 877.253.5050
Fax. 877.275.3329
Website: www.ing.com/us/lifeinsurance

Also:

1475 Dunwoody Drive
West Chester, PA 19380
Tel. 800.325.3792
Fax. 610.425.3902
Website: www.ing.com/us/lifeinsurance

Hopefully you find this information useful in your search for quality and affordable term life insurance. 

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AIG's Reputation and Brand Tarnished beyond repair

Image by Mike Licht, NotionsCapital.com via Flickr

In the Insurance world your image and brand is just as important as the financial stability and claims paying ability of the carrier.  AIG Insurance Company and their brand has been so tarnished from their eventual collapse to Executive retreat's trips and now bonuses, it will be a miracle if the company can recover and ever sell off it's assets to repay the American public. 

Read the New York Times article...



A.I.G.’s Essential Asset, Its Brand, Is Tarnished - NYTimes.com

The government’s fourth round of assistance to the American International Group this month was a play for time — for languishing markets to rebound, for pockets to fill up again and for buyers to emerge for the sturdy insurance companies under A.I.G.’s tattered corporate umbrella.

Only when those insurance companies are sold will there be money to repay American taxpayers.

But after the latest uproar, time does not look like A.I.G.’s friend. The problem now is not a toxic spiral of derivatives like the one that crippled the company last fall, but the damage done to A.I.G.’s brand, first by the financial troubles and then by the recent wave of hearings, subpoenas, late-night television jokes and even a bus tour past executives’ homes.

“Why would we do business with a company that’s constantly in the news, even if the ratings are still supposedly O.K.?” wondered Greg Theis, a financial planner with Legacy Investment Services in Homer Glen, Ill. He helps 55-to-70-year-olds select variable annuities from a bewildering array of carriers.

Let's hope that we can at least end up getting a part of our tax money back from the sale of the companies assets.  The Life Insurance Division of AIG is at least strong and should be able to be sold off for a nice chunk of change.

West Coast Term Life Insurance Product Portfolio

In the mix and mire of which term life insurance carrier you should use or work with in obtaining this vastly important insurance there are few companies that stand out. West Coast Life is one of those few carriers that strive to deliver top notch products and customer service to their insureds and brokers. West Coast Life is a leading provider of Term Life Insurance to consumers in the country.  They have continually striven to bring affordable products to the market place, especially within their term life portfolio. 

West Coast Life Insurance Product Portfolio:

Term Life Insurance is the primary product we use from West Coast, they have a couple of different series within the product line:

• Focus Guaranteed Level Term Series
• Golden Legacy Term
• Income Replacement Term Series

Universal Life:

• LifeTime Advantage Plus
• LifeTime Platinum III
• Lifetime Platinum III Plus

We have worked with this Carrier for a number of years and we do find them to be a very high quality company to write business with and for customer service.  West Coast does not write business direct which means you will have to find an independent agent or life insurance broker to sell you a policy.  That will not be difficult you can actually call West Coast and they will send you to a local General Agency to try and help you with your insurance needs. 

In later post's I will get more in depth about the product and how to get the very best rates out of this or any other carrier. 



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