James Shiver headshot

All Posts By James Shiver, DBA

James Shiver is the founder of ChoiceLifeQuote.com and a multi-state licensed independent life insurance agent serving the individual family and small-business markets. Dr. Shiver also serves as a university business professor, as well as being an Accredited Financial Counselor®.

Life Insurance and Suicide | Important Considerations

We occasionally receive questions from consumers related to life insurance and suicide. Does life insurance pay for suicidal death? Is it possible to get life insurance after a suicide attempt? These and other similar questions about life insurance and suicide are understandable given the complicated nature of policy contracts. If you or someone you know is having suicidal thoughts,…

Life Insurance for Cancer Patients and Survivors

A cancer diagnosis, or the diagnosis of a family member, often causes people to take a hard look at planning for their family’s financial future and other considerations. As part of this planning process, clients often ask questions about getting life insurance coverage for cancer patients and survivors. Questions related to life insurance with cancer…

Life Insurance with High Blood Pressure (Including FAQs)

In the United States, many Americans struggle with high blood pressure or hypertension, among other chronic conditions. As a common medical condition, we often do not consider the implications of getting life insurance with high blood pressure until applying for coverage. Hypertension can indeed impact insurance underwriting. Questions about qualifying for life insurance with high blood pressure…

Life Insurance for Diabetics | Insider Qualification Tips

Individuals with a history of diabetes often ask how this diagnosis can affect life insurance for diabetics. So, can diabetics get affordable life insurance? These questions and associated concerns are completely understandable given the potential severity of this all too common disease that affects millions of Americans. The short answer is YES. It is often possible to…

Best Life Insurance Companies for 2025 (Recommended)

Choosing the best life insurance company when considering coverage can be challenging to say the least but basic insight can help to make informed decisions. What are the best life insurance companies based on ratings, products, and other factors? What other factors should I consider? These and other similar questions are completely understandable since there are more than…

Guaranteed Universal Life | Affordable Lifetime Coverage

Many consumers have a need for long-term life insurance coverage but are not necessarily interested in accumulating cash value with the policy. It is also important to many policy owners to have the flexibility to make adjustments to their policy as life circumstances change. In cases where lifetime guarantees and flexibility are important, guaranteed universal life insurance…

How Life Insurance Works | 13 Frequently Asked Questions

The majority of Americans would agree that owning life insurance coverage is an extremely important part of their overall financial plan, yet many consumers are unsure exactly how life insurance works. This confusion is completely understandable given the complicated marketplace and sheer number of life insurance companies in the United States. In considering coverage, it can be…

Accidental Death Insurance | Affordable Accident Coverage

Many people have a need for life insurance protection but either cannot qualify for traditional coverage or cannot afford expensive premiums. There are also those who simply need supplemental coverage provided by accidental death insurance. So, are there coverage options other than traditional life insurance? In certain instances, accident only coverage can be a great option or…

Final Expense Life Insurance | Affordable Burial Coverage

Most people hate the thought of being a burden to family members and friends later in life. Yet, an individual’s final expenses and last wishes are often the responsibility of those left behind. In planning for final expenses, many people choose to purchase final expense life insurance. The need to make final arrangements is a…