Chris Abrams, Author at Abrams Insurance Solutions

All Posts By Chris Abrams

I'm a life insurance and financial planning specialist. My goal is to help my clients build wealth and save time and money when shopping for insurance. Learn strategies to build wealth with less risk, taxes and fees. Read our client reviews to learn what it is like to work with us. My team is licensed in all 50 states and represents over 70 insurance companies. If you have been declined for coverage, have a special need or have questions; contact us. We have creative solutions for almost every situation.

How Can an Accelerated Death Benefit Rider Help Me?

Some life insurance contracts allow the dispensation of benefits before someone dies. It is a rider called an accelerated death benefit (ADB). You will also see people refer to it as living benefits. You can use these terms interchangeably. This is different from the cash accumulation value that builds up in permanent life insurance. You…

best life insurance with addison's disease

Best Approach for Buying Life Insurance with Addison’s Disease

Buying life insurance with Addison’s disease can be a challenge for 2 reasons. The first reason is Addison’s is a rare disease. Rare conditions are more difficult to insure because underwriters don’t have a firm understanding of what they do to someone’s life expectancy. There is less historical data available on which to base rates…

Best Life Insurance Rates for 67 Year Old [Insider Information]

Starting with research is the single best way to find affordable life insurance for a 67-year-old. It opens the doors to money saving tips and resources to find the best company for your family, even in your 60’s. Quick Summary Saving money on life insurance at age 67 is easy if you follow the simple…

How To Find Low-Cost Life Insurance with an Amputation

Good news! The majority of the time life insurance with an amputation doesn’t involve a bunch of extra premiums. Only a few situations will result in a rating or decline, but those are few and far between. There are roughly (depending on the company) 16 rating classifications. Each will determine the rates you pay. Both…

What is the Medical Information Bureau & How Does It Help?

The medical information bureau is a little-known part of the life insurance application process (even the no-exam policies.) Some consumers become alarmed when they find out they’re signing their personal information away to a 3rd party. If you have concerns or questions at any point in the article, leave us a note in the comments.…

Buying Life Insurance for Parents (Complete Guide)

One important question that every American needs to ask their parents is “do you have life insurance?” Whether you are considering life insurance for parents or not, knowing is part of a good estate plan. This is an awkward question to ask your parents, but your parents might have debts, medical bills, or no savings…

Life Insurance and Alcohol Abuse or Alcoholism-What Happens?

Women get the short end of the stick when it comes to life insurance and alcohol consumption. Life insurance companies are notoriously conservative when it comes to medical evaluations. To that effect, the amount a woman can drink in a week before being penalized for excessive alcohol consumption is half that of what a man…

How to Get Affordable Life Insurance with Crohn’s Disease

There are some companies that won’t touch someone looking for life insurance with Crohn’s Disease. Those companies don’t deserve your money anyway. The good news is there are plenty of companies that will offer life insurance to people suffering from Crohn’s. Sometimes you can even get it at a preferred rating. (Although that’s extremely rare,…

Life Insurance for Children (A Look at the 4 Best Policies)

Buying life insurance for children is just one of the many ways you can give your child a financially sound future. One of the biggest benefits is the incredible variety of policies offered by many insurance companies. Most of these can fit any family’s budget. Buying a life insurance policy for your child when they…

Life Insurance for Dementia Patients (Learn How To Get It)

There are so many variations on dementia that there is, unfortunately, no way for us to give you a blanket “probably this health class” statement like other pre-existing conditions. So we will go over the different scenarios for finding life insurance for dementia patients. Yet at the end of the day, you will probably need…