Health conditions
How companies look at common health conditions, and which plans usually fit.
Life insurance with diabetesType 1 or type 2, pills or insulin: what companies look at and how to get approved.Read the guide →
VideoLife insurance after a heart attack or stentsWhy time since the event matters most, and the plans that usually fit.Read the guide →
VideoLife insurance with high blood pressureMost people still qualify for full coverage. Exam vs. no-exam plans explained.Read the guide →
VideoLife insurance with COPDOxygen use, tobacco and hospital stays matter most. Which plans usually fit.Read the guide →
VideoLife insurance after cancerWhat fits during treatment, after treatment, and how to plan for better coverage later.Read the guide →
VideoLife insurance with kidney disease or dialysisYour stage, dialysis and any transplant matter most. Which plans usually fit.Read the guide →
VideoLife insurance with sleep apneaTreated sleep apnea usually matters less than you think. CPAP use and what it means for your rate.Read the guide →
VideoLife insurance for smokersWhat counts as tobacco, how long until non-tobacco rates, and how to pay less.Read the guide →
Diabetes, COPD or heart problems: an overviewThe three kinds of plans and why shopping more than one company matters.Read the guide →
By age and stage
Coverage that fits where you are in life.
Burial insurance for seniors over 70What you can still get in your 70s, and how to avoid a waiting period.Read the guide →
VideoBurial insurance for seniors over 80Options up to about 85, how much to get, and buying a policy for a parent.Read the guide →
VideoTerm life insurance over 60When term still makes sense in your 60s and 70s, and which length to choose.Read the guide →
VideoNo-exam life insuranceHow companies decide without an exam, and when an exam is still worth it.Read the guide →
Final expense vs. term vs. whole lifeThree kinds of life insurance, three different jobs. A side-by-side comparison.Read the guide →
How much life insurance do I need?Add up what your family would need, subtract what you have. With a calculator.Read the guide →
Is life insurance through work enough?Four things to check, and when to add your own policy.Read the guide →
What happens when term life ends?Convert, renew, buy new coverage or let it go: how to decide.Read the guide →
Before you buy
The fine print worth understanding before you sign anything.
VideoWhere to buy life insuranceOne company or an independent agent? How the 711 U.S. life insurers differ, and why comparing pays off.Read the guide →
VideoWhat a life insurance application asksThe questions to expect, what companies check, and how to get through it smoothly.Read the guide →
10 questions to ask before you buy final expenseThe questions that show the real differences between plans.Read the guide →
VideoFinal expense with no waiting periodWhich plans pay the full benefit from day one, and who qualifies.Read the guide →
VideoGuaranteed issue life insuranceNo health questions. How the waiting period works and who it's the right fit for.Read the guide →
What is a waiting period?Why some plans don't pay the full benefit right away, and how to avoid one.Read the guide →
How much does a funeral cost in Arizona?Typical costs, what the numbers leave out, and your rights when you shop.Read the guide →
Burial insurance vs. a pre-paid funeral planWho gets the money, what happens if you move, and what to ask.Read the guide →
How to choose a life insurance agentA checklist for picking an agent you can trust.Read the guide →
Don't see your situation?
Every health history is different. Tell me yours on a free call and I'll compare several companies and tell you honestly which plans fit. Licensed in Arizona. By phone or video, no obligation.
Nick Brown is an independent life insurance agent with NJN Insurance, licensed in Arizona (License 19720244). He compares plans from several companies and explains them clearly. NJN stands for Not Just a Number.