The bottom line How a prenup can address life insurance obligations is by putting the coverage promise in writing: it can identify the policy, owner, premium responsibility, beneficiary, and proof-of-coverage schedule. The agreement can also say what happens after a lapse or major life change. State law controls whether a clause is enforceable, so legal … Read more
The bottom line Does mib show active life insurance policies? No. MIB’s consumer file records coded underwriting information from certain individual insurance applications, not a current policy ledger, and MIB says carriers must investigate a discrepancy before using the file in underwriting. You can request a free copy once every 12 months. MIB, formerly the … Read more
The bottom line Does competitive horse riding affect life insurance? It can, because underwriters may treat the activity as a risk factor when they classify an application, but riding alone does not decide whether you can buy a policy. Your discipline, frequency, competition level, safety practices, health, and the insurer’s rules all matter. Key facts … Read more
The bottom line Does canceling during free look refund everything? Usually, yes: if you return a life insurance policy within the free-look period stated in the contract, you can generally receive the premiums paid back. The deadline and return instructions vary, so use the policy’s delivery notice as your controlling source. Key facts A free-look … Read more
Can adult adhd cause an insurance decline? Yes, it can, but an ADHD diagnosis does not decide a life insurance application by itself. The underwriter evaluates the diagnosis alongside treatment history, current health, the information in the application, and other risk data. The result can differ by insurer and by applicant. Key facts ADHD is … Read more
The bottom line Does a life insurance waiting period apply to accidental deaths? Usually, no universal waiting period delays the base death benefit; the two-year contestability period lets an insurer investigate material misrepresentation, while an accidental-death rider follows its own contract terms. Read the policy’s exclusions and effective dates before relying on either benefit. The … Read more
The bottom line Can i get life insurance with hypertension? You may be able to get coverage, but approval and pricing depend on the insurer’s underwriting decision, your treatment history, current readings, and other health details. The American Heart Association classifies 130/80 mm Hg or higher as hypertension, but that medical category is not a … Read more
The bottom line Can active duty members buy private life insurance? Yes. An active-duty service member may apply for an individual policy while keeping SGLI, but the private insurer decides eligibility, terms, and exclusions. Deployment, travel, occupation, health, and policy timing can affect underwriting, so check the contract before relying on added coverage. Private coverage … Read more
The bottom line Do private student loans require a cosigner’s life insurance? Usually, no general rule makes it mandatory. A lender may offer credit life insurance, but the loan agreement controls whether any coverage is required. Private-loan terms also decide what happens after a cosigner’s death, so read the disclosures before signing. Do private student … Read more
The bottom line When you ask what lung function results do insurers require, there is no universal FEV1 or FVC cutoff. A life insurer may request spirometry or medical records, then weigh the result with your diagnosis, symptoms, treatment, smoking history, and policy details. The lab report’s interpretation matters more than one percentage alone. Spirometry … Read more