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

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…

Accidental Death and Dismemberment (AD&D) Insurance

Accidental death and dismemberment insurance policy, also known as AD&D insurance, is a low-cost alternative to life insurance. It is a way for people who might otherwise be declined or worry about being rejected for traditional life insurance. Keep in mind there are a handful of life insurance policies that will approve anyone. Accidental death…

How To Find Life Insurance at 56 (Great Policy, Low Price)

Life insurance is more expensive as you age. Yet finding affordable life insurance at any age (including 56) is not an overwhelming task. There are a few steps you can follow to make the process painless for both yourself and your wallet. You can also see what difference companies charge by using the Instant Quotes…

Finding Affordable Life Insurance After Prostate Cancer

It is natural to assume that finding reasonably priced life insurance after prostate cancer would be difficult. After all, it is the second most common cancer in men (after skin tumors). It’s also the second most deadly, after lung cancer. Luckily, if you caught it early, you have a good shot at getting normal rates.…

The Ultimate Analysis of Return of Premium Life Insurance

Return of premium life insurance sounds like a win-win. You either protect your family if something awful happens, or you get your money back. Like with most financial decisions, you only uncover the truth of the matter when you dig deeper. Quick aside: you will find many articles either promoting return of premium or blasting…