Author: Kevin Mercadante
How many tax allowances can I take?
Written by: Kevin Mercadante
The Tax Cuts and Jobs Act of 2017 altered how many tax allowances you should take for every year since it became law and it certainly has for …
How to get life insurance with COPD
Written by: Kevin Mercadante
Chronic obstructive pulmonary disease – better known as COPD – is a more common disease than people are aware. And since there is no known cure, …
How high blood pressure can affect your life insurance premiums
Written by: Kevin Mercadante
High blood pressure is a common affliction, so common in fact that it affects tens of millions of people. Life insurance companies however consider it to …
5 times when life insurance won’t pay a claim
Written by: Kevin Mercadante
When taking a new life insurance policy, most of us give a little thought to the possibility that there may be situations where your life insurance …
How to get life insurance with multiple sclerosis
Written by: Kevin Mercadante
Multiple sclerosis is a serious health condition, and from a life insurance perspective, it can cause complications. Still, it is possible to get life insurance coverage …
Can you get life insurance when you have a pacemaker?
Written by: Kevin Mercadante
Pacemakers are becoming increasingly common, especially as the population is becoming progressively older. The life insurance industry recognizes this trend and has made adjustments to accommodate the …
Married filing separately: Pros & cons of this little-noticed filing status
Written by: Kevin Mercadante
Are you married? Or thinking about it? Wondering what the difference is between the tax filing statuses Married Filing Jointly vs. Married Filing Separately? I know I …
What if your spouse doesn’t have – and doesn’t want – life insurance?
Written by: Kevin Mercadante
If your spouse doesn’t have life insurance, do you simply respect their wishes and go about your life? On some level, that may sound like a …
How obesity can affect your ability to get life insurance
Written by: Kevin Mercadante
Obesity is one of the most difficult challenges to overcome when it comes to life insurance. This is because the life insurance industry views it as …
How to get life insurance coverage after a stroke
Written by: Kevin Mercadante
Strokes claim the lives of over 150,000 people each year, making it the third leading cause of death in the US behind heart disease and cancer. …
How to apply for life insurance with a lupus diagnosis
Written by: Kevin Mercadante
Having any chronic health condition such as lupus can cause a person to believe that getting life insurance coverage is impossible. But that’s hardly the case. …
Why life insurance is more expensive for men than for women
Written by: Kevin Mercadante
Look on almost any life insurance premium chart, and one thing you will notice almost immediately is that life insurance is more expensive for men than …
Getting life insurance with a history of alcoholism
Written by: Kevin Mercadante
We’ve already discussed DUI and DWI and the effect they have on life insurance. But what about the broader question of getting life insurance with a history of …
The biggest life insurance mistakes & how to avoid them
Written by: Kevin Mercadante
Consumers often underestimate the potential to make mistakes when it comes to life insurance. Perhaps is because life insurance is often thought of as a fringe …
Can I get life insurance if I have a criminal record?
Written by: Kevin Mercadante
As if having a criminal record isn’t challenging enough, such a history can also cause complications when it comes to applying for life insurance. Depending on …
Will a life insurance policy pay if only one or two payments have been made?
Written by: Kevin Mercadante
One of the best features of a life insurance policy is that it will pay benefits as soon as the policy is in effect. Some people …
Life insurance for marijuana users – will you be approved?
Written by: Kevin Mercadante
Marijuana has been much in the news recently, as an increasing number of states are voting to make it legal, whether for medical use alone, or for …
How Type 2 diabetics can get term life insurance
Written by: Kevin Mercadante
It’s a common assumption that if you are diabetic, you cannot get life insurance. Fortunately, that is a mistaken assumption in many cases. There are policies …
