Real Life Insured

Real Life Insured We don’t believe that life insurance policies should be available only for the healthiest, least risky among us. We insure the full range of lifestyles.

Real Life Insured takes the guessing out of your insurance needs. www.RealLifeInsured.com You may have been declined or charged more for life insurance in the past. Maybe you enjoy a cold beer at the end of the day, you order everything with extra gravy, or skydiving trips your trigger. Maybe you keep telling yourself you'll quit smoking—next week. Perhaps you’re battling a genetic health conditio

n such as diabetes, cancer, heart problems, stroke, sleep apnea, anxiety or clinical depression. Perhaps you're as healthy as a horse but you've recently overcome a serious illness, maybe you've just had some minor legal issues. Or perhaps life has simply blessed you, you've walked between the rain drops and are the perfect speciman of health, and you have the perfect background check to prove it. We get that. And we also understand the emotional devastation that occurs from losing a loved one. Whether it’s a spouse, fiancé, parent, sibling or someone else close to you, it knocks you down hard. Pulling yourself up off the ground takes time and strength. Adding financial stress to your life from the expenses of funerals or the loss of household income is the last thing you need to worry about. Insurance underwriting is not an exact science. Just as each person is unique with respect to size, shape, health, and lifestyle, so are insurance companies. We do the homework for you. Representing over 60 top rated insurance companies since 1995, we insure the full range of lifestyles. Our job is to shop the industry and bring you back the best solution with one phone call. We help ease the burden, emotionally and financially. Good times, bad times, we’ve all had our share. Live your life. We’ll take care of insuring it.

07/03/2013
What Are Your Options If You Get Declined for Life Insurance?

What Are Your Options If You Get Declined for Life Insurance?

Rejection. It’s one of the worst feelings ever. Whether it’s being rejected by your dream date at your high school prom, or getting rejected for a raise at your job. Nothing compares to the gut-wrenching feeling of being denied. Getting

09/27/2012

70% of adults agree that they need life insurance, but only 35% own an individual policy. Not good! Don’t let procrastination stop you. Start here: www.lifehappens.org/howmuch

08/31/2012
3 Tips for Getting “High Risk” Life Insurance

The biggest misconception for people with health issues who are looking for life insurance is that they can't qualify. In most cases you can get affordable coverage. Here are 3 tips to help you in your search.

Qualifying for life insurance coverage with health impairments takes some expertise and a little more work from your agent, but it can be done. Don't let any health issues deter you from securing this important coverage.

06/01/2012
Plan to Work After 65? Your Life Insurance May Have to “Work” as Well

If you plan to work past 65, your life insurance may have to “work” past 65 as well. Here’s what you need to know.

The Life and Health Insurance Foundation for Education (LIFE) is a nonprofit organization dedicated to helping consumers make smart insurance decisions to safeguard their families’ financial futures.

05/23/2012
Disability Insurance 101 | Protect Your Paycheck

Nearly 75% of Americans say they’re concerned about finances should they become disabled and unable to work, but only 31% of workers say they own disability insurance – the very product that could guarantee their financial security. Learn more here: http://protectyourpaycheck.org/

Think about it. What would happen if suddenly, due to an illness or accident, you were unable to work? Without your paycheck, how long would you be able to make your mortgage or rent payment, buy groceries or pay your credit card bills without feeling the pinch? That’s where disability insurance com...

05/08/2012
Safeguarding Your Income From the Impact of a Disability

No one likes to think about worst-case scenarios. But if you’re single, how would you get by if you became ill or injured and unable to work? And what would happen to those who depend on you? Read this post for some solutions.

If you think you have your bases covered with health insurance, Worker’s Compensation or Social Security, this information might change your mind.

04/12/2012
Brad Cunard – Surviving a Nightmare

Brad Cunard – Surviving a Nightmare

The Life and Health Insurance Foundation for Education (LIFE) is a nonprofit organization dedicated to helping consumers make smart insurance decisions to safeguard their families’ financial futures.

04/11/2012
5 Tips for Finding the Right Advisor

5 Tips for Finding the Right Advisor

The Life and Health Insurance Foundation for Education (LIFE) is a nonprofit organization dedicated to helping consumers make smart insurance decisions to safeguard their families’ financial futures.

03/29/2012
Life Insurance: How Much Does Your Household Need?

Securing life insurance may seem like a chore but it’s simply something you must do to protect your family. Do you know how much your household needs? Start here with advice from Girls Just Wanna Have Funds.

Buying a life insurance policy is no fun. Not only are you adding another expense to the monthly budget, you’re also forced to discuss things you’d rather not think about. No one wants to contemplate the death of their spouse or their self, but life insurance is a must. We’ve all learned in vario...

03/20/2012

Real Life Insured's cover photo

03/16/2012
Why your life insurance is key to financial planning for your special-needs child

It’s important to have life insurance, but it’s especially vital if you have a special needs child who will need care for the rest of his life and long after you’re gone. This Fox Business article offers tips to plan ahead.

Naming your special-needs child as a beneficiary could jeopardize other financial aid -- and other key tips on how to best leverage life insurance for your child's future.

03/15/2012
LIFE Foundation | The Right Time for Annuities

LIFE Foundation | The Right Time for Annuities

The Life and Health Insurance Foundation for Education (LIFE) is a nonprofit organization dedicated to helping consumers make smart insurance decisions to safeguard their families’ financial futures.

03/09/2012
The Real Cost of Living: $150,000 Minimum

We believe this to be true.

The divide between the 1 percent and the 99 percent has ignited a national debate about the income gap, especially since Occupy Wall Street protesters descended on lower Manhattan last fall. But how much money does it take to feel financially secure these days?

01/26/2012
Where not to die in 2012- MSN Money

Where not to die in 2012- MSN Money

As of Jan. 1, the federal estate tax exemption was indexed for the first time, so that for 2012, up to $5.12 million of an estate will be exempt from the current 35% federal estate tax. That's up from $5 million in 2011, meaning an individual could have left $120,000 more tax-free if he'd died on Ja...

01/04/2012
LIFE Foundation | Life Insurance Needs Calculator

LIFE Foundation | Life Insurance Needs Calculator

The Life and Health Insurance Foundation for Education (LIFE) is a nonprofit organization dedicated to helping consumers make smart insurance decisions to safeguard their families’ financial futures.

11/17/2011
Smokeout: How much life insurance your cigarette money could buy

Today's the Great American Smokeout. Quitting today, a 40-year-old man with a pack-a-day habit could buy a $2 million 10-year term life insurance policy with the savings!

If counseling, known health risks or being hassled by your family isn't enough to get you to stop smoking during the Great American Smokeout Nov. 17, then consider the high price of ci******es and how quitting smoking can affect your life insurance quotes.

11/14/2011
Report: 522M people could have diabetes by 2030

Report: 522M people could have diabetes by 2030

The International Diabetes Federation predicts that one in 10 adults could have diabetes by 2030, according to their latest statistics.

11/09/2011
Rapper Heavy D dies at age 44

Can you imagine dying at only 44 years old? Whether your famous or not, no one is immune from the unexpected so make sure you plan for the future today. Your family depends on it.

Rapper Heavy D collapsed in his Beverly Hills home Tuesday morning and died a short time later at a Los Angeles hospital, according to police and the coroner.

11/03/2011
Life Insurance 101

Life Insurance 101: The Cost of Procrastination & the basics

Learn the basics about life insurance in a flash. Hear from a one of the nation's top insurance advisors who will explain why life insurance is so important,...

10/17/2011
Get ready for a long — and better — retirement Robert Powell

According to the experts, Americans will likely live longer than their forbearers. That’s the good news. The bad news is that they will likely live their lives with some sort of chronic illness, such as Type 2 diabetes or hypertension. “Here are some statistics to make you put down the chocolate croissants for a few minutes,”

The more things change, the less they will be the same. That’s not a mistake. That’s a fact. Over the next decade, new products, technology and adviser practices will make retirement look quite different than it does today. Are you ready to take advantage of the changes?

10/05/2011
LIFE Foundation | Young Families

You're never too young to think about your financial future. Just married and starting a family? Here are some things you need to know:

hen you are first married and starting a family you face perhaps the most daunting financial pressures you’ll encounter at any stage of life. A new home and young children bring with them a crush of expenses, even though you probably are still early in your career and far from your peak earning pote...

10/04/2011
LIFE Foundation | Boomer Women Need to Start Planning—Now

LIFE Foundation | Boomer Women Need to Start Planning—Now

We like to think that, when we retire, we’ll have time to do all those activities that are on our “bucket list.” We’ll travel, spend time with friends and family, explore new opportunities that will enhance our lives and expand our sense of possibilities. But to have the retirement life we desire, w...

08/02/2011
Analysis: After the debt deal: 5 money moves to make now

Analysis: After the debt deal: 5 money moves to make now

Read 'Analysis: After the debt deal: 5 money moves to make now' on Yahoo! News. WASHINGTON (Reuters) - Now what? If you're confused by the debt deal and what it means for your own wallet, you're not alone.

07/01/2011
U.S. Stocks Rally

U.S. Stocks Rally

U.S. stocks were on pace for the biggest weekly gain in a year, as a strong reading of manufacturing activity lifted investor spirits ahead of the long holiday weekend.

07/01/2011
Youmanity - Overview | Aviva USA

Youmanity - Overview | Aviva USA

Youmanity is a little idea that represents our aim to bring humanity back to insurance, and put people before policies.[breadcrumb]Aviva USA Home > Youmanity[/breadcrumb]

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