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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: 5 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. The following article, Life Insurance and Suicide: 5…

Life Insurance for Cancer Patients and Survivors (Including FAQs)

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

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Life Insurance with High Blood Pressure (Including FAQs)

Many Americans struggle with high blood pressure or hypertension. As a common medical condition, we often do not consider the implications of getting life insurance with high blood pressure until applying for coverage.Questions about qualifying for life insurance with high blood pressure or while taking blood pressure medication are extremely common. The following article, Life Insurance…

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Life Insurance for Diabetics: 7 Tips to Qualifying for Coverage

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

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Best Life Insurance Companies for 2023 (10 Most Recommended)

Choosing the best life insurance companies when considering coverage can be challenging to say the least. What are the best life insurance companies based on ratings, products, and other factors? These and other similar questions are completely understandable since there are more than 2,500 life insurance companies in the United States alone.This article, Best Life Insurance Companies…

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Guaranteed Universal Life: Lifetime Coverage, Lowest Premium

Many consumers have a need for long-term life insurance coverage but are not necessarily interested in accumulating cash value. 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 may be…

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 by consumers is completely understandable given the number of companies, agents, and policies available in today’s marketplace. Most people believe that owning life…

Accidental Death Insurance: Accident Coverage, Minimal Cost

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 and/or…

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Final Expense Life Insurance: Understanding Burial Coverage

Most people hate the thought of being a burden to family and friends later in life. Yet, an individual’s final expenses 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 common concern among individuals…