Special Needs Trust
The special needs trust can only be set up for children who have special needs and require medical aid. It is a policy that is taken out on the parent or guardian of the child to ensure that there will be essentially a nest egg to keep up with the child’s required care. Because this policy is set up in a trust, you can protect the money going in and any current financial aid.
If you receive medical aid or benefits from the state or any government program, you won’t be penalized on the amount of money the trust builds up. Meaning if you qualify for these financial aid programs based on your income, the build-up in your trust will not affect that. So you can depend on the aid currently coming in, and if something should happen in the future, the special needs trust will act as a safety net for your child’s medical care.
You don’t need to pass any test or qualification when setting up any type of trust. Talk to our team members if you want to learn more about this type of policy. We want to help you find the best protection for your family because everyone deserves peace of mind!
HIV Insurance
Another type of insurance that is taken under special consideration, and as such has made this list is HIV Insurance. The understanding and treatment of HIV has drastically changed over the years for the better. As such, insurance has become increasingly accessible to individuals living with HIV. Furthermore, not every case and treatment of HIV is the same; therefore, your insurance on the matter is tailored to you specifically.
In order to ensure you the best possible coverage in the matter of HIV insurance, each applicant will need to submit full disclosure of treatment and status since the time diagnosed. There is an application that needs to be approved for qualification of this type of insurance. The goal is to ensure that your insurance policy is crafted to your needs, taking your HIV status into consideration. Not just a one-size-fits-all blanket policy that could possibly exclude you from the coverage you deserve.
Nicotine Alternatives
The world of smoking, like most everything else, has evolved, and as such, there are many new ways to get a nicotine fix. In fact, you can now inhale a vapor that has a cotton candy taste to it with a Juul that looks like a USB drive. However, no matter how fancy the newest e-cig looks or how real the vanilla flavor seems, the harmful chemicals have not gone away!
While vapes, Juuls, e-cigs, and vape pens might not be as direct and harmful as regular cigarettes, they still contain addictive drugs. Highly addictive drugs such as nicotine to be specific, but also other toxic substances such as:
Diacetyl, which is a chemical that has been linked to lung disease.
- Ultra-fine particles that can be deeply inhaled and ingrained in the lungs.
- Nickel, tin, and other heavy metals such as lead have been found.
- Carcinogens, which can cause various types of cancer.
- Acrolein, a herbicide used typically to kill weeds that can cause irreparable lung damage.
All of this doesn’t bode well for a person in the long run, but there are still insurance plans that you could qualify for!
Give us a call today to schedule a face-to-face meeting. Our agents will be happy to go over different options you might have and better explain the varying policies. The best way we can help you find a policy that will work for you is by sitting down together. Then we can walk through each policy option available to you that you’ll also benefit from!
Foreign Nationals: Living In And Outside Of The U.S.A.
When dealing with individuals that qualify as foreign nationals, providing and subsequently finding the right policy can be a tricky matter. As such, there is a tier list for how you can qualify and get approved for a quality policy. For further clarification on this type of insurance and policies, it is always best to reach out to us. We don’t want you to miss out on a great policy due to a misunderstanding, so always feel free to give us a call!
We have varying options for foreign nationals that span from things like a Green Card (Permanent Resident Card) to specific types of VISAs. In fact, you can even get coverage in some cases if you don’t have a VISA or Green Card. You must pass certain checks and have the correct documents, but if you contact our team, we can help you out.
Our policies are crafted to fit each individual person in mind. So be sure to ask us about our Foreign National policies if it’s something you’re interested in.
Living Benefits
You have to qualify to receive this type of policy option. This is mainly due to the nature of what living benefits do, as it means you are pulling money out of a policy or dying. Typically to be allowed to remove this type of money, you have gone through a kind of “trigger,”; such as learning that you only have five months to live or something thereof.
There are a few different ways you could receive the money you pull out of a policy. So be sure to talk to one of our agents to find out what would work best for you. At Best Life Insurance, we want to help you gain peace of mind and security! So check us out today to see how you can get started.
