Free Educational Resources

Insurance Guides & Health Condition Manuals

Clear, honest information to help you navigate life insurance with pre-existing conditions or unique family needs.

How Type 1 and Type 2 diabetes affect life insurance rates and which carriers weigh A1C levels most fairly.

Options for individuals with COPD, chronic bronchitis, or emphysema. Find carriers with lenient underwriting.

How to secure coverage after a heart attack, stent placement, or bypass surgery.

Waiting periods, guaranteed issue options, and carrier rules for cancer survivors.

Cigarettes, cigars, chewing tobacco, and e-cigarettes: finding competitive rate classes.

Simplified issue burial insurance and same-day decisions for seniors up to age 85+.

State regulations, funeral cost breakdowns in Michigan, and choosing an independent broker.