Huntley Wealth Insurance

4849 Ronson Court, Suite 208

San Diego, CA 92111

877-996-9383 Phone

619-393-0370 Fax

termlifeinsurancemales.com

About Us

Term Life Insurance Males is owned by Huntley Wealth Insurance, under president

Christopher J. Huntley. We have been in business since October of 2004 and are

licensed in over 30 states. We specialize in providing affordable life insurance to

individuals taking medications or health risks such as diabetes, coronary artery

disease, and high blood pressure.

Huntley Wealth Insurance has many agents nationwide ready to help with your

insurance needs, and our president, Chris Huntley, remains active in assisting our

clients with their insurance needs as well. Mr. Huntley is married with two beautiful

daughters, and lives in San Diego, CA.

For an instant quote, please use our quote form on the right. If you request an

application, we will then contact you. However, we are currently receiving over 400

quote requests per month from our websites, so sometimes it may take more than a

week to call you. If you wish to speak to us sooner, please call us at 877-996-9383.

Term Life Insurance with High Blood Pressure

Yes, it is possible to qualify for term life

insurance with high blood pressure. As for the cost of life insurance, it will depend on

how well controlled the blood pressure is and your average readings over the past

one to two years.

It’s important to distinguish between having

controlled and uncontrolled blood pressure. In both cases, you may be able to qualify

for guaranteed term life insurance coverage, but all things equal, you’ll pay less

if your blood pressure is controlled.

Controlled simply means you’re taking a medication or having some other form of

treatment.

Best Term Life Insurance Rates

with Controlled Blood Pressure

A 50 Year Old Male with high blood

pressure, who is otherwise in good health, would qualify for the following 20 year term

life insurance rates:

Most Recent BP Reading Premium 130/84 $945 Per Year 135/ 89 $1120 Per Year 140/92 $1510 Per Year 155/94 $1820 Per Year * (All Quotes for $500,000 Coverage)

Can I Qualify for Term Life Insurance if I

Take Medication?

Yes, if your pressure is controlled. Many

people call us and tell us they have high blood pressure and are being treated for it.

Upon further questioning, we find their most recent readings are normal. These are

excellent candidates for preferred life

insurance ratings, since these people don’t really have hypertension anymore; they

have controlled blood pressure with treatment.

However, not all life insurance companies

offer their best term life insurance rates if you take medications for hypertension, as

seen below.

Best Companies to Buy Life Insurance from

with Hypertension

There are many life insurance companies

who will not only offer term life insurance with blood pressure treatment, but some will

even offer their best available ratings if it is treated and has been stable for at least a

few months. Some of these companies are Genworth, Banner Life, and Transamerica.

Transamerica is a bit odd in that if you’re 49 years old or younger, or over 81 years old,

you can’t qualify for their best rating, Preferred Plus. You must be between the

ages of 50-80 years old.

The key is to find a life insurance carrier who

states in their underwriting guidelines their maximum blood pressure readings allowed

“treated or untreated”. If they don’t state that they allow treatment in a specific health

class, then they don’t allow treatment. Many companies state that they do NOT allow

blood pressure medications in their best classes, such as Prudential/Pruco and

ING/Reliastar.

If you apply to Prudential or ING and take

meds for Blood Pressure, you cannot qualify

for their best rate, Super Preferred. Their Super Preferred guidelines state “No history

of treatment for hypertension”. Prudential’s “Preferred Best” guidelines read “Without

Medication”. Both of these companies do allow treatment in their second best class,

however.

Another company who I really like, but

doesn’t allow treatment inside of their best class is West Coast Life.

Term Life Insurance with Uncontrolled

Hypertension

An individual with controlled blood pressure

sharply contrasts the individual who simply has high blood pressure, and isn’t treating it

in any way. If you’ve been diagnosed with high blood pressure, and you don’t do

anything about it, you probably won’t qualify for the best life insurance rates.

“But I don’t take any medication!” — I hear this one all the time. Life insurance

underwriters would actually prefer that you do take medication and get your blood

pressure under control, than to let it go unchecked. If you are trying to control it with

diet and exercise, it’s best if your doctor is on board and has noted this treatment in

your medical records.

Your best bet to find preferred rates for

term life insurance with high blood pressure is to follow your attending physician’s

recommendations to a tee. Life insurance underwriters are not amused by individuals

taking matters into their own hands, and going against their doctor’s prescribed

treatment plan. Total compliance should be your goal.

What if I have Other Health Impairments?

While high blood pressure does put an

individual at greater risk for strokes, heart

disease, artherosclerosis (hardening of blood vessels), and kidney disease, we have

already determined that insurance companies will still offer low cost term life

insurance with blood pressure. However, this assumes there are no other medical risks

involved.

If you’ve had a history of heart disease or

diabetes, and have high blood pressure (controlled or uncontrolled) on top of that,

your odds of qualifying for preferred rates are very low. If you smoke cigarettes or are

obese, your mortality risks are greatly compounded with high blood pressure

levels. So, it’s important to understand that

when I say you can qualify for preferred rates with high blood pressure, this assumes

all else is normal health wise.

Term Life Insurance for Males?

We have found over the years that many of the medical conditions that plague men, such

as heart disease, high blood pressure, and diabetes, are conditions we have been very

successful at helping people with. Since insuring individuals with these particular

health risks has become a specialty of ours, we do end up writing more men than

women. But yes, we do provide coverage for males and females. So if you are a

female with high blood pressure, everything in this article will apply to you as well.

Applying for Term Life Insurance

Once you have used our instant quote form

on the right, you may click one of the “request application” options, which will

prompt a call from myself or one of our representatives. Most applications require a

brief medical exam, although we do have No Exam options as well. The bottom line is

we have helped hundreds of males and females apply for term life insurance

with various medical problems, and are eager to help you too.

Life Insurance for People with Diabetes

At Huntley Wealth Insurance, we offer the

lowest life insurance quotes for people with diabetes. Where some companies decline

diabetics for life insurance or give them substandard ratings, we routinely help our

diabetic clients obtain approvals at standard or better ratings.

Cost of Life Insurance with Diabetes II

In many cases, if your only health issue is

diabetes (Type II), you can obtain a Standard approval from at least a half

dozen life insurance companies we work

with. To see “standard” quotes, use our quote form on the right, and request a

Standard quote.

Many factors will affect the cost of life

insurance with diabetes, one of which is complications resulting from diabetes. Some

complications you may experience after having diabetes for a many years are

neuropathy (damage to the nerves, most commonly affecting the legs and feet), eye

complications, and heart disease.

If you have experienced any of these

complications, this will hinder you from obtaining excellent life insurance ratings.

However, you still may be able to qualify for a substandard rating, a no exam

diabetes policy, or at the worst, a guaranteed issue policy.

Factors Affecting Diabetics’ Insurance Premiums

A few other key factors which will determine your health classification, and therefore how

much a diabetic will pay for life insurance premiums, will be time since diagnosis,

average glucose reading/control, and current age.

Generally speaking, the longer someone has

been diabetic, the greater the risk of developing complications. So it’s much safer

for a life insurance company to offer great rates to a diabetic who has been recently

diagnosed (say in the past 5 years) than one who has had diabetes for 10 or 20 years.

Age of diagnosis is closely related to time since diagnosis. The 65 year old who has

had diabetes for 10 years will probably obtain a much better health classification

than a 45 year old who has had diabetes for 10 years. Most insurance companies

penalize you for being diagnosed prior to age 50.

Importance of Controlled Diabetes – Blood Glucose Levels and A1C

Equally important to a life insurance underwriter is how well controlled your

diabetes is. This is measured by taking an average of your glucose readings, or if

available, checking your hemoglobin a1c level. While your glucose reading provides

insight to current blood sugar levels, the a1c measures your average blood glucose

control for the past 2 to 3 months.

The average a1c for a non diabetic is 5.0.

For many diabetics who have their diabetes under control, this number may range from

6.0 to 8.0. And for uncontrolled diabetes

this level may approach the teens or even twenties, which would be classified as

extremely dangerous blood sugar levels. As far as life insurance companies are

concerned, the lower your a1c, the better.

The other factor affecting your life insurance

diabetes pricing is your current age. Better rates are typically available the older you

are. If well controlled, diabetes is a slowly progressing disease, so how risky is it really

for an insurance company to insure a 70 year old who was recently diagnosed as a

diabetic? Not too risky. Chances are something else will lead to his demise other

than diabetes. But if you’re 47 years old

and diabetic, you’re young enough for the

disease to possibly progress and affect your life, (and life expectancy).

Other medical issues combined with diabetes will affect your overall health rating. For

example, combining health impairments such as obesity, heart disease, or tobacco use will

greatly increase your premiums, since the health risks are exponentially compounded

when adding to the diabetes.

To sum up the cost of life insurance polcies

with diabetes question, your absolute best deals and lowest prices will be offered to

diabetics over age 60, diagnosed recently (within 5 or 10 years), who control their

blood sugar well.

How Will Taking Insulin Affect the Cost?

We find for many of the large life insurance companies, whether you take insulin or any

other medication for that matter, is not their main concern. Their concern is that your

blood sugar levels are well maintained.

Does Type of Term or Whole Life Affect

Rating?

Some of our diabetic clients ask if they buy a

short term policy such as 10 or 15 year term life insurance, will the insurance carrier give

them a better rating. After all, they argue, I’m only going to keep the policy for a10

year duration.

The truth is life insurance companies do not distinguish between ratings based on length

of term, because most term policies, even 20 year term and 30 year term, have

conversion options. So a diabetic client can’t argue he will only keep the policy for 10

years, since if he’s unhealthy or dying at the end of year 10, he could convert the policy

or pay on an annual renewable term.

You may obtain life insurance approval at a

better rating for term life insurance if you apply for over $250,000 of coverage with

United of Omaha. At this level, you would be eligible for their FIT credits, allowing

someone with a substandard rating possibly

get back to standard with credits for things like being a lifetime non smoker or having a

college degree.

Diabetics may also find better ratings

applying for a permanent type policy, such as whole life insurance or universal life

insurance rather than term.

How to Get a Quote

For the fairest estimate, you can start by using our quote form on the right to get a life insurance

diabetes quote. Rate yourself as regular, or standard. But please understand you may not qualify for standard, depending on the factors described in

this article. Diabetics can also call us for a personalized term life insurance quote at 877-996-

9383.

How Much Life Insurance Do I Need if I Earn $50,000, $70,000 or $100,000 Per Year?

Let me teach you a quick trick I commonly use

to calculate how much life insurance my

clients need.

(Annual Income Needed) divided by .05

So if you make $70,000 per year, and need

to know how much life insurance is needed to

generate a $70,000 income to your spouse

upon your death, the calculation looks like

this.

$70,000 / .05 = $1,400,000 – You need 1.4

Million

With 1.4 Million coverage, your spouse could

take the death benefit and invest it. If your

spouse can earn on average 5%, it will

generate $70,000 every year, and he or

she could live off of the interest.

Other Income Replacement Calculations

Income Per Year Needed Amount of Life Insurance Needed

$30,000 $600,000

$40,000 $800,000

$50,000 $1,000,000

$75,000 $1,500,000

$100,000 $2,000,000

Please note with this method, your spouse

could theoretically live off the interest

without the principal ever depleting. I

realize this may sound a bit excessive to

some people, so if you want to calculate how

much life insurance is needed to replace your

income for a fixed number of years, such as

for 10 or 20 years, please use our life

insurance calculator.

Now, I realize 5% is a bit optimistic for

where interest rates are current day, but I’m

talking an average over a long period of

time. If you want to calculate a more

conservative current interest rate, divide the

annual income needed by .03 or .04.

What about Investments, Funeral

Expenses, and Mortgage?

I realize some of you may have retirement

funds, pension money, or other insurance to

factor in. If that’s the case, simply subtract

the amount of liquid assets available upon

your death from the amount of life insurance

needed.

Perhaps you’re trying to accomplish a

different goal than replacing income, such as

paying for funeral expenses, paying of

debt, or a home mortgage. This gets a bit

complicated, and I don’t think there’s any

objective way to calculate the exact amount

any person needs.

A simple rule of thumb here, though, is to

add up the bills you want paid off, and then

use the chart above to calculate how much

additional life insurance would be needed

for income replacement. Obviously, if you

leave your spouse with no debt and no

mortgage payment, the amount he or she will

need per year to replace your income is

lower.

Adjusting Life Insurance Needs for

Inflation

Inflation puts a wrench in things. If you

desire to provide a guaranteed income

stream for life, obviously the longer that

income stream stays fixed, the less buying

power that money will have.

The simple way to adjust your life insurance

need, using the first calculation we learned,

is to subtract the inflation rate you expect

from the interest rate you expect to earn.

So if you think your beneficiary can earn

5%, but inflation will be 2.5%, then you will

only net 2.5%, and that’s the number to use

in your calculation. Using our $70,000

income need:

$70,000 / .025 = $2,800,000 life insurance

needed (adjusted for inflation)

What Women Need to Know about Life Insurance

At Huntley Wealth Insurance, we help males

and females alike purchase affordable term

and whole life insurance to provide valuable

protection for their families, businesses, and

estates.

While the name of this particular website

intends to attract a male audience, we DO

provide quality advice and pricing for

women needing life insurance as well.

Why Women Need Life Insurance – And

Why They Typically Don’t Have It

At Huntley Wealth, approximately 30% of

our life insurance clients are women. This

statistic speaks to the importance of the

working wife and/or mother in modern times.

Today, many women provide a valuable,

irreplaceable income for their families,

which, if lost due to sudden death, would

leave these wives’ and mothers’ families

having to cope with one less income.

That’s where life insurance comes to the

rescue. Life insurance is commonly used to

insure future earnings. For example, if a

woman earns $75,000 per year, and will do

so for the next 20 years, she might purchase

a 20 year term life insurance policy with a

death benefit in the range of $1 Million to

$1.5 Million. If the death benefit earned

5%, her surviving husband or children could

draw 50K to 75K from the death benefit to

pay bills, the mortgage, and provide for

needs without the funds ever depleting.

What would the surviving family have done

without these funds?

The problem with modern families is that

women generally have less life insurance

than men, according to MetLife’s most recent

“Employee Benefits Trends Study” in 2011.

The study also showed that women are more

concerned about the impact their sudden

death could have on their families than men,

which is wonderful, and in my opinion, as a

man with a wonderful, loving wife, I can

certainly understand that. So why aren’t

females properly insured?

The key problems, or myths, I think, revealed

in this study and others have to do with cost

and simplicity of the life insurance process.

A study from Nielsen/Claritas proved that

44% of high income women (earning in

excess of 50K per year) believe that life

insurance costs more than they can afford.

Furthermore, 67% of the same women

believe that selecting a life insurance

product is a complicated process.

Life Insurance Costs Too Much

In most cases, life insurance is very

affordable… dirt cheap even! First, women

pay less than men for life insurance, since

their life expectancy is longer on average.

If you are in good health, let’s just say you

can probably afford life insurance at some

amount. For example, I’ve provided quotes

below for $500,000 of coverage. Of

course, your coverage could cost even less if

you purchase a lower face value.

Quotes for Female, Excellent Health,

$500,000 Coverage, Non Tobacco User

Age 10 Year Term 20 Year Term 30 Year Term Age 30 $13 $18 $27 – Per Month Age 40 $16 $26 $42 – Per Month Age 50 $35 $59 $97 – Per Month Age 60 $78 $148 $213 – Per Month*

*Note that these quotes are available as of 12/15/2011 and are subject to change.

Rates quoted would apply to female, non smoker, who can qualify for best class health

classification.

The Life Insurance Process

For those of you who believe selecting a life

insurance product is complicated, please

allow me to outline the steps to selecting,

applying for, and purchasing a life insurance

policy.

1. Speak to a knowledgeable

independent agent about your health

history. If you take any medications

or have a history of medical

conditions, a good agent will know

which companies will rate you at the

best health classification, which will

save you money. Your agent should

also be able to quickly and clearly

explain the types of life insurance and

how much is appropriate for your

needs. This should take about 10-15

minutes over the phone. Call an

agency like Select Quote, Accuquote,

or our agency, Huntley Wealth.

2. The application process is straight

forward. At our agency, we take

information (address, drivers license,

legal name, beneficiaries, etc.) over

the phone and send the application to

our clients to sign.

3. After completing and signing the

application, most insurance policies

require a medical exam. The cost of

the exam is paid by the insurance

company. The exam typically includes

blood and urine specimens.

4. After the medical exam, you’ll be

approved typically in 2 to 6 weeks.

The time it takes to approve you

primarily depends on whether or not

medical records will be ordered from

your attending physician’s office.

5. Once approved, your agent will

forward your policy to you. You send

payment, and sign a form showing you

received the policy. Once all

requirements are received by the

insurance company, your policy will be

in force, or effective.

The Met Life study reported women who do

have life insurance typically are unaware of

the type of coverage (i.e. term, universal life,

or whole life) that they possess, and

undervalue the amount needed to properly

insure their lives to meet their families’

financial needs. Please don’t fall into this

category.

If you have a policy and aren’t sure what benefits it

has, or if you need life insurance, please call us to

review your needs at 877-996-9383.