ReallySmartInsurance - Really Smart Insurance

All Posts By ReallySmartInsurance

Life Insurance for Seniors over 60: Your Complete Guide

When my neighbor Susan turned 60 last year, she called me with a question I hear almost weekly: “I know I need life insurance, but I have no idea where to start. What’s the best option for someone my age?” Susan isn’t alone. Turning 60 is a milestone that makes you think about the future…

Transamerica Final Expense Insurance Review 2025: Complete Guide for Seniors

Planning for end-of-life expenses isn’t the most comfortable conversation, but it’s one of the most thoughtful gifts you can give your loved ones. If you’re exploring burial insurance options, you’ve probably come across Transamerica’s final expense products. But is Transamerica final expense insurance the right choice for you? In this comprehensive review, we’ll walk you…

Life Insurance for Seniors with High Cholesterol: Guide (2025)

Here’s something that might surprise you: when seniors call me worried about getting life insurance because they have high cholesterol, I often breathe a small sigh of relief. Not because high cholesterol is good for you—of course it’s not—but because in the world of life insurance, controlled high cholesterol is one of the easier conditions…

Life Insurance for Seniors with Asthma: Complete Guide (2025)

When I talk to seniors with asthma about life insurance, the first question is almost always the same: “Will they even approve me?” I understand why you’d wonder. You’ve been managing this condition for years—maybe decades. You’ve got your inhaler routine down and know your triggers. Here’s the good news I wish more people knew:…

Life Insurance for Seniors Over 80: Your Complete Guide (2025)

I get this question almost daily: “I’m 82 years old—can I still get life insurance?” And every single time, I’m happy to deliver good news: Yes, you absolutely can. Getting life insurance for seniors over 80 is not only possible, it’s actually easier than you might think. You don’t need a medical exam. You won’t…

Best Life Insurance Companies for Seniors 2025: Complete Comparison Guide

Finding the best life insurance companies for seniors isn’t as simple as looking at the biggest names in the insurance industry. What works for a 30-year-old healthy professional rarely works for a 70-year-old retiree with diabetes and high blood pressure. Seniors need insurers that specialize in no-exam policies, understand health conditions, offer affordable rates for…

final expense insurance vs burial insurance

Final Expense vs Burial Insurance: What’s the Difference?

If you’re shopping for life insurance to cover your funeral and final expenses, you’ve probably encountered two terms: “final expense insurance” and “burial insurance.” At first glance, they seem different—but are they really? Understanding final expense insurance vs burial insurance is crucial to making the right decision for your family’s financial protection. Before diving into…

How Much Life Insurance Do Seniors Need? Your 2025 Calculator Guide

If you’re a senior wondering how much life insurance do seniors need, you’re asking one of the most important questions in financial planning. The answer isn’t one-size-fits-all—it depends on your specific situation, your debts, your goals, and what you want to leave behind for your loved ones. Many seniors either buy too little coverage (leaving…

Life Insurance After Cancer for Seniors: 2025 Complete Guide

If you’re a cancer survivor, congratulations—you’ve won one of life’s toughest battles. But now you might be facing a new challenge: getting life insurance. Many cancer survivors believe they’re permanently uninsurable, but that’s simply not true. Life insurance after cancer for seniors is not only possible, but thousands of cancer survivors secure affordable coverage every…

Life Insurance for Seniors With COPD: Your Complete Guide

If you’ve been diagnosed with COPD (Chronic Obstructive Pulmonary Disease), you might be wondering if life insurance is even possible. I understand your concern—COPD is a serious condition, and insurance companies do take it seriously. But here’s the truth: you absolutely can get life insurance with COPD, and many seniors with emphysema or chronic bronchitis…