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

How to Get Low Cost Life Insurance with a Hearing Impairment or Deafness

Hearing impairment and deafness affect 37.5 million Americans. The National Institute on Deafness and Other Communication Disorders (NIDCD) reports that as many as 15% of American adults over age 18 have some form of hearing impairment. Getting life insurance with a hearing impairment or deafness will entirely depend on the cause of the hearing loss.…

Life Insurance Rates at Age 64 (How to Get the Good Ones)

Life insurance rates at age 64 surprise many people in their affordability. Although admittedly this depends on your health. There are also several options on types of life insurance to meet the needs of different family situations. Quick Navigation How to Save Money on Life Insurance Rates at Age 64Use a Life Insurance Needs CalculatorWork…

Low Cost Life Insurance with Atrial Fibrillation

Getting Inexpensive Life Insurance with Atrial Fibrillation (Here’s How)

Easily getting affordable life insurance with atrial fibrillation can be extremely easy. Although in cases where the AFib is indicative of an underlying medical condition, that’s a different story. It’s one of those conditions which depend more on what your medical records say than the diagnosis itself. The most important thing to remember when shopping…

What is Long Term Care? (How to Protect Your Nest Egg From Old Age)

Why should you consider long term care insurance? What are your options to pay for this?Quick SummaryLong term care is when you need services to help you through your activities of daily living. Things today we take for granted. You will also see this called custodial care. Long term care/custodial care is:eatingbathingdressinggetting on and off…

Life Insurance for a 32 Year Old (Rates and Tips on Saving Money)

Congratulations! You are at a stage in your life where you have a reason to buy life insurance. That usually boils down to getting married, having children, or buying a home. Well done! The good news is that life insurance for a 32 year old is still comparatively inexpensive compared to waiting another few years.…

Best life insurance with living benefits

Term Life Insurance With Living Benefits (3 Best Companies)

The central part of term life insurance is the death benefit. It’s what most people think of; the cash your beneficiaries receive when you pass away. Term costs significantly less than permanent life insurance in part because it is so simple. But there is another type of term life insurance that includes extra features known as…

Buying Low Cost Life Insurance with Fibromyalgia (Complete Guide)

Fibromyalgia and life insurance are not mutually exclusive, regardless of what some people may lead you to believe. Whether your fibromyalgia is severe or mild, there are options for everyone. Surprisingly affordable choices at that. Quick Summary: Fibromyalgia might affect your life insurance rates. It all depends on the severity, what medication you’re taking, and…

4 methods for reducing premium financing risk

How to Avoid Premium Financing Risk (The 4 Safest Methods)

Premium financing presents some risk. It is vital that prospective buyers understand premium financing risk when funding a significant life insurance policy. Every financial strategy involves a potential downside. Savvy investors do everything they can to mitigate potential losses. While using premium financing to fund your insurance policy can reduce the amount of assets you…

Buying Low Price Life Insurance at Age 57 (Simple Ways to Cut Costs)

When you’re looking at life insurance at age 57, you know that premiums aren’t going to be what they were in your 30's. But there are several ways to make sure that you can find the best rates. The best part is that none of them involve much (if any) work. Quick SummaryLife insurance gets…

tax advantages of premium financing for life insurance

How to Take Advantage of the Estate and Gift Tax Benefits of Premium Financing

The estate and gift tax benefits of premium financing are the most attractive components of this life insurance strategy. There are several methods within premium financing you might employ to avoid these taxes. Which ones you pick will depend on your financial situation. These financial strategies will apply in different circumstances. Keep in mind that…