sahgalbanti@gmail.com

🧠 Introduction: The Mental Health Coverage Gap 📋 Section 1: Underwriting by Condition Mental Health Condition Best Insurer Waiting Period Rating (Price Increase) Mild Depression Prudential None +0% Generalized Anxiety Mutual of Omaha 1 year stability +25% Bipolar II AIG 3 years no episodes +50% PTSD (Civilian) Banner Life 2 years treatment +75% Schizophrenia Guaranteed … Read more

♿ Introduction: The $1.2 Million Coverage Shortfall 📋 Section 1: Disability Insurance Options Compared Policy Type Coverage Max No Medical Exam? Best For Guaranteed Issue $25K Yes Terminal illnesses, late-stage disabilities Simplified Issue $100K 3 Health Qs Moderate disabilities (e.g., CP, amputees) Group (Employer) 1X salary Sometimes Stable conditions (e.g., controlled epilepsy) ABLE Account N/A … Read more

🎖️ Introduction: The $400,000 Coverage Gap 🪖 Section 1: Military Insurance Options Compared Plan Coverage Max Cost (Age 30) Medical Exam? Key Benefit SGLI (Active) $500,000 $28/month No Covers war zones VGLI (Veterans) $400,000 $40/month No* Renewable for life FSGLI (Spouses) $100,000 $6.75/month No Portable after service Private Policy $5M+ Varies Yes Lower long-term costs … Read more

⚠️ Introduction: The Deadliest Jobs in America 🔧 Section 1: Risk Classification by Profession Occupation Risk Tier Best Policy Type Avg. Premium Increase Commercial Fishing 5 (Highest) Accident-Heavy Term +400% Police/Firefighters 4 Group Term Life +150% Construction 3 Modified Term +75% Truck Drivers 2 Standard Term +25% Farmers 1 (Lowest) Preferred Rates +0% Key Insight: … Read more

🩺 Introduction: The 5-Year Survival Milestone ⏳ Section 1: Waiting Periods by Cancer Type Cancer Type Minimum Remission Period Best Insurer Stage 0-1 1-2 years Prudential Stage 2 3-5 years Mutual of Omaha Stage 3 5+ years AIG (Graded Policies) Leukemia/Lymphoma 10+ years Guaranteed Issue Only Key Insight: “Basal cell skin cancer often qualifies for standard … Read more

🚬 Introduction: The $10,000 Smoking Penalty 🔍 Section 1: How Insurers Test for Smoking 1. The 4-Level Nicotine Test 2. What Counts as “Smoker” Status? ✅ Automatic Smoker Rates: ❌ Often Non-Smoker Rates: 💡 Section 2: 3 Approval Hacks for Smokers 1. The “13-Month Rule” 2. Apply Through the Right Company Company Best For Nicotine-Free Period Prudential … Read more

 Introduction: The Diabetic Dilemma 📋 Section 1: 4 Approval Hacks for Diabetics 1. The “3-Month Prep” Strategy 2. Avoid These Medications 3. Perfect Your Application 4. Specialized Diabetic Agents 🏆 Section 2: Best Companies for Diabetics (2024) Company Accepts HbA1c Up To Type 1 Diabetes? Monthly Cost (Age 50, $250K) Prudential 9.5% Yes $42 Mutual … Read more

🔥 Introduction: The No-Exam Insurance Revolution 📊 Section 1: 3 Types of No-Exam Policies 1. Instant-Approval Term Life 2. Simplified Issue Whole Life 3. Group Life Insurance (Employer Plans) ⚠️ Section 2: 5 Hidden Traps to Avoid 🏆 Section 3: Best No-Exam Companies (2024) Company Max Coverage Speed Unique Perk Haven Life $2M 10 mins … Read more

🔍 Introduction: Why Seniors Need Life Insurance 📊 Section 1: Best Life Insurance Options for Seniors 1. Guaranteed Issue Life Insurance 2. Simplified Issue Term Life 3. Burial Insurance 4. Group Life Insurance (Retirees) ⚠️ Section 2: 5 Deadly Mistakes Seniors Make 🏆 Section 3: Best Companies for Seniors (2024) Company Policy Type Avg. Monthly … Read more