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Category: Funeral Planning

  • Life Insurance on Someone Else: What Insurable Interest Means for Your Family
    Insurable interest determines who you can get life insurance on and who you cannot. This guide explains the rules in plain language for unmarried partners, divorced co-parents, adult children insuring aging parents, blended families, and small business partners, including the workarounds and conversation strategies nobody else covers.
  • Life Insurance with Pre-Existing Conditions
    Every article about life insurance with pre-existing conditions opens with the same line: “yes, you can still get coverage.” Then it skips everything that actually matters. This guide breaks down the table rating system in plain English, explains how the same condition gets evaluated completely differently by different carriers, reveals the informal inquiry strategy that keeps formal declines off your MIB record, and walks through condition-specific underwriting reality for cardiovascular, metabolic, cancer, mental health, and autoimmune conditions. Written from the patient’s perspective, not the broker’s desk. Free preparation checklist included.
  • Life Insurance for Special Needs Families
    Standard life insurance advice assumes your dependents will eventually become independent. When your child has special needs, that assumption changes everything. This guide covers the real coverage calculation, trust funding strategies, family coordination failures, and protection planning that generic financial content ignores.
Open legacy journal on bedside table with pen, coffee mug, and glasses in warm morning light, with prompt to reflect and write