Blog of Abrams Insurance in San Diego CA 858-703-6178

Using an Irrevocable Life Insurance Trust for Premium Financing

The first step in setting up life insurance with premium financing is creating an irrevocable life insurance trust. An irrevocable life insurance trust (ILIT) sets up tax benefits to protect large estates from exorbitant estate tax obligations. This type of trust requires several critical legal and financial decisions. To get everything right while avoiding pitfalls…

Waiver of Premium Rider for Life Insurance (How it Works)

Waiver of premium allows you to skip your life insurance payments if you become disabled and cannot work. It’s an extra layer of protection for folks who may not have enough emergency funds set aside to cover a year or two of life insurance payments. It’s a small additional premium for extra peace of mind…

How to Get Super Low-Cost Life Insurance at Age 31

Life insurance rates stand on three main factors, your age, biological sex, and current health. When looking for life insurance at age 31, you’ve done almost as well as you can on the age range for life insurance. There are a few other tricks to saving money. With a quick bit of research, you can…

How to Get Great, Low-Cost Life Insurance for a 70 Year Old

Most people think of life insurance as a young person’s thing. Something you buy to make sure you can support your children through their childhood. But there are other important reasons to get life insurance for a 70 year old. It could be supporting a spouse or just making sure your estate has the money…

can you get life insurance with celiac disease

Affordable Life Insurance with Celiac Disease? (Here’s How)

Many life insurance carriers may automatically access you for a “Standard” rating when you have Celiac disease. This often occurs even if you respond well to treatment and are in generally good health. But, you may in reality qualify for a better rating with another life insurer. There are over 850 life insurers in America.…

Find Affordable Life Insurance with Hyperthyroidism

Most people will be able to find affordable life insurance with hyperthyroidism. We will explain the medical conditions that can cause hyperthyroidism. Then, we will cover in detail how life insurers rate people who have this disease. Always Buy Life Insurance Using an Independent Life Insurance Agent I would start by saying that if you…

Buying Affordable Life Insurance at Age 61

The process of buying life insurance at age 61 is not much different from buying life insurance at 30. The two noticeable differences in what you get are pricing and fewer options for term insurance. If you have any questions while reading this article, leave them in the comments box at the bottom and we’ll…

Premium Financing For Life Insurance (An Easy How-To Guide)

One of the most cost-effective ways for high net worth individuals to protect their assets and create estate liquidity is to take advantage of premium financing for life insurance. The problem is that high net worth individuals require large life insurance policies. These can become extraordinarily costly. While paying the premiums may not be an…

Guaranteed Issue Life Insurance (Your Complete Guide)

Guaranteed issue life insurance is a fantastic choice for people who would otherwise be unable to get traditional life insurance. It sounds easy. (It is.) The catch is that life insurance companies charge more for these types of policies. If you found your way here at the start of the life insurance process, we strongly…

Life Insurance for a 62 Year Old at Stellar Pricing

Getting excellent life insurance for a 62 year old can be as tricky as you want to make it. So the good news is that it can also be as easy as you want it to be. With over 850 companies in the United States offering life insurance, there is a lot of competition for…