If you have a heart murmur, it’s going to be an issue when you apply for life insurance.
Applying for life insurance can be a stressful event. When you apply for coverage, the insurance company is going to review dozens of different areas of your life to determine how much they are going to charge you for coverage or if they will even accept your plan. One of the most important factors that they are going to look at is your health and any pre-existing conditions that you may have.
Insurance companies are going to be worried your heart murmur is a sign of more serious health problems. Your insurance outcome really depends on the specifics of your condition.
While you can’t change your health status, you can control how you fill out your application. A well planned application can minimize the impact of your heart murmur on your rating.
In this article, we’re going to examine the underwriting standards for someone with a heart murmur so you’ll know what to expect going forward.
Life insurance is one of the most important safety nets that you can ever buy for your loved ones. It’s one of the only ways that you can ensure that your family will have the money that they need, even if something tragic were to happen to you. We know that shopping for life insurance is not fun, especially if you have a serious condition, like a heart mummer, but that’s why we are here to help.
Life Insurance Underwriting with a Heart Murmur
When you meet with your life insurance agent, he should ask you a number of questions about your heart murmur. You should expect to answer:
When were you diagnosed with a heart murmur?
What is the cause of your heart murmur?
Have you had any surgeries in the past to treat your heart murmur?
Do you have any other issues with your heart like coronary artery disease or ventricular hypertrophy?
Have you had any diagnostic tests in the past 6 months to measure the condition of your heart?
General heart health questions like what is your cholesterol level, blood pressure, family history of heart disease, and do you smoke?
Are you taking any medications because of your heart murmur?
Common medications for a heart murmur include: Digoxin, anticoagulants, diuretics, statins, ACE inhibitors, and beta blockers. All of these medications could be insurable depending on the condition of your heart murmur.
As you apply, be sure to include as much information as possible about your heart murmur. An incomplete description of your condition could worry life insurance underwriters and make them more likely to give you a poor insurance rating.
Life Insurance Quotes with a Heart Murmur
When you apply for life insurance with a heart murmur, your rating comes down to the cause of your condition. Functional/innocent heart murmurs like physiologic, cardio-respiratory, and aortic sclerosis heart murmurs won’t hurt your rating too badly provided you don’t have any other heart issues. Organic heart murmurs that came from actual heart problems are a more serious issue.
No matter what is causing your heart murmur, your odds of getting a fair rating go up if you are otherwise in good health, are at a healthy weight, and don’t smoke. While every company has a different underwriting process, here are some general guidelines to give you an idea what rating to expect.
Preferred Plus: Possible in very cases for applicants with functional heart murmurs. Applicant must otherwise be in perfect health and had a recent diagnostic test that showed the heart murmur was not from any health problem.
Preferred: A more likely rating for very healthy applicants with only functional heart murmurs. Life insurance companies are reluctant to give the best possible rating to anyone with a sign of a health problem like a heart murmur.
Standard: Best possible rating for most applicants with a functional heart murmur. Applicants shouldn’t have any heart problems and must be in reasonable health otherwise. Possible in rare cases for applicants with organic heart murmurs, provided their heart condition has been under control for several years.
Table Rating (substandard): Most applicants with organic heart murmurs. The rating depends on the severity of a person’s heart issue that is causing the heart murmur. Underwriters also consider whether the applicant needed surgery, has any other heart problems, the applicant’s general health, and family history of heart disease. Unhealthy applicants with a functional heart murmur could also get a rated policy.
Declines: Applicants with organic heart murmurs caused by serious heart conditions. Also, applicants that applied within a year or two of a heart surgery, have a family history of heart disease, or have other high risk factors like high blood pressure or smoking.
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Heart Murmur Life Insurance Case Studies
If you have a heart murmur, you need to plan your application properly. A good application can make a significant difference. Here are a couple real life case studies that demonstrate why your application matters:
Case Study #1: Male, 42 y/o, non-smoker, functional heart murmur, no other heart issues, in very good health
Besides his health murmur, this applicant was in perfect health. His heart murmur was a physiologic murmur and didn’t have any impact on his overall health. However, when he applied for life insurance, he only received a standard rating; not bad but we thought he could do better. We recommended this applicant go for an EKG as he had not had one in several years. This test showed his heart was in great shape and he submitted this result with a new application. With this extra information, the applicant was able to receive a discounted preferred policy.
Case Study #2: Female, 56 y/o, organic heart murmur due to mild aortic stenosis, taking statins and Ace Inhibitors, lost weight and quit smoking after heart murmur diagnosis
Before discovering her heart murmur, this applicant had poor health habits. She was overweight and smoked. At 50, she discovered she had a heart murmur due to mild aortic stenosis. This scared her into taking measures to improve her health. She quit smoking, lost weight, and started taking medication to reduce her cholesterol and high blood pressure. When she applied for life insurance though, she only received very expensive, rated policies. We thought that insurance companies weren’t giving enough credit to her recent life improvements. We recommended she see her doctor and ask for a note vouching for her improved lifestyle. By reapplying with this letter, the applicant received a substandard level-2 policy, a decent rating for someone with her past health problems.
Getting Better Insurance Rates with a Heart Murmur
Getting life insurance with a heart murmur is going to be more difficult, but it’s not impossible. In fact, it’s easy to get an affordable plan, regardless of your health or any complications that you have. There are a few changes that you can make that will improve your chances of being approved for a cheap life insurance plan.
The first thing that you should do is cut out any tobacco that you currently use. If you’re listed as a smoker, or you use chewing tobacco, you’re at a higher risk for other health problems, like cancer, which means you’re going to be a larger risk to the insurance company. They are going to offset that risk by charging you higher premiums. Cutting out that tobacco can save you thousands of dollars on your life insurance plan.
Another way to save money, regardless if you have a heart murmur, is by improving your overall health. Getting better results on the medical exam are going to lower your insurance premiums. Starting an exercise program and sticking to a healthy diet. Both of these can help you lose weight and lower your cholesterol. This will help you lower your rates by as much as 50%.
The best way to ensure that you’re getting the best premiums is to compare dozens of quotes before you decide which company is going to work best for you. All of them are different and they will all have different medical underwriting, which means that you’ll get drastically varying rates depending on which company that you get the quote from.
Don’t let Your Heart Murmur Get in The Way of Insurance Coverage
With a smart application, you have a great chance of finding a policy. To improve your odds, it helps to work with a broker that understands this health condition.
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What does it mean when your right hand itches?
It’s just a little scratchy, but it hurts to touch. That probably sounds familiar if you’ve ever had an allergy or hives on your skin.
But what does it mean when the right hand starts itching? And why do some people think that scratching for more than 20 minutes helps relieve the itchiness?
Right hand itching questions stem from the same reason people ask about left hand itching.
Did you know…Itchy right hands are a common superstition that is thought to bring good luck.
There are many different explanations for why this might be the case, but most people believe it has something to do with the fact that an itchy right hand is usually a sign that good things are coming.
If you’ve ever wondered what the top 13 most popular superstitions related to right hand itching and money are, this list is here to answer your question.
What is the superstition about a right hand itching money?
The superstition of an itchy right hand has many different interpretations.
One interpretation is that it means you will receive money soon. Another interpretation is that it means someone is talking about you behind your back. Overall, the belief is wealth is in your future.
Right Hand Itching Meaning
Right hand itching is an unexplained itch on the right side of the hand. It’s often believed to be one of the medical diagnoses of itchiness.
Most people experience right hand itching at some point in their lives, and it can be a sign of something more serious.
There are many possible causes for right hand itching, including dry skin and allergies. But most cases don’t have a clear cause or solution.
That is why so many people there must be luck with right hand itching and money – or even the lottery!
Origins of the Right Hand Itching Superstition
The right hand itching superstition is a belief that the hand that writes or types with the left hand becomes itchy. It likely originated from an ancient practice of scratching one’s head to relieve an itch on the opposite side of the head.
There is no evidence to support this superstition, and it likely originated from an ancient practice of scratching one’s head to relieve an itch on the opposite side of the head.
The superstition may have been passed down through oral tradition and then written down.
Possible Meaning of Right Palm Itching
Right palm itching is a common phenomenon that has been etched into history and folklore. Many people attribute this itch to an ancestor or someone in their family who passed away.
What does it mean when your right palm itches?
Right palm itching is a common phenomenon that has been etched into history and folklore. Many people attribute this itch to an ancestor or someone in their family who passed away.
1 – True Medical Cause
First of all, I’m not a doctor, so you much have any serious itching checked out by a medical professional (they are good at their jobs).
If you are finding that your right hand is itchy and uncomfortable, there are a few things to consider and take medical action.
Here are some thoughts:
If the itchiness persists for more than 24 hours, then this could be a sign of an infection.
If the discomfort is caused by a skin allergy, then you may be experiencing symptoms of an allergic reaction such as swelling or hives.
Hint…this is why going to the doctor can be helpful to help you figure it a true diagnosis.
2- Something Causing you Stress
When you have right palm itching, it can mean that you’re feeling overwhelmed or stressed.
It could also be a sign that you’re not taking care of yourself properly.
When you have right palm itching, you need to uncover what is causing the stress in your life. This might be because of work pressures, relationship problems, or some other issue.
You might feel overwhelmed and stressed if this continues unchecked. Taking care of yourself by getting enough rest and exercise can help to relieve the itchiness.
3 – Belief in the Possibilities of Money Coming to You
Right hand itching has been a sign of wealth, good luck, and the arrival of visitors since ancient times.
If you are experiencing itchy hands, rubbing your left one on your right is said to bring more wealth and fortune into your life.
Just like with positive money affirmations, there is truth to believing in the power of the mind to overcome your realities.
Right Hand Itching and Lottery
Right hand itching is a term used to describe an annoying and persistent sensation in the right hand. It’s often referred to as a “lottery” because it can be difficult to determine what’s causing the itch.
Nevertheless, some people believe that there is a connection between an itchy right hand and the winning lottery numbers.
There are several news stories of people who won the lottery shortly after having an itchy right hand. However, there is no scientific evidence to support this claim.
What are some of the 13 popular superstitions?
Superstitions are common beliefs that help people make sense of the world.
When it comes to money and wealth, naturally people want to gravitate to anything that will help their situations.
Here are some of the most common superstitions and their associated explanations.
Friday the 13th
Friday the 13th is considered an unlucky day by many people.
This superstition may have arisen from a number of different things, such as the number thirteen being associated with bad luck.
For example, some people avoid traveling on this day, but others believe that traveling is a great way to avoid any bad luck. Additionally, some people believe that it’s bad luck to buy a lottery ticket on Friday the 13th, while others think that this could bring them good luck.
Whatever the reason, many people believe that Friday the 13th is an unlucky day. However, many believe that if you take action and are proactive about your day, you will receive good luck or fortune.
Breaking a mirror will give you seven years of bad luck
This superstition is based on the belief that breaking a mirror will release the bad luck that has been trapped within it. The story goes that if a woman breaks her mirror, she’ll have bad luck for the next seven years. If a man breaks his mirror, he’ll have bad luck for the next seven years and also be unable to see himself in mirrors.
This superstition may originate from ancient beliefs about witches and their ability to cast spells by using objects such as mirrors. It’s possible that people believed that breaking a mirror would release all of the negative energy associated with the witch’s spell.
Today, this superstition is still popular and often used as an excuse to break mirrors without really understanding why!
Unlucky to walk under a ladder
There are many superstitions surrounding walking under ladders, but the most common one is that it’s unlucky. This superstition is based on the idea that a ladder is a sign of bad luck.
The belief is if you walk under a ladder, you’ll be cursed and will have problems throughout your life.
There isn’t much evidence to support this superstition, but it’s still widely accepted.
Many people believe it because they’ve heard it from their parents or grandparents and don’t want to risk offending anyone. If you’re worried about crossing under a ladder and causing bad luck, simply avoid doing so!
Alternatively, you could try saying “good luck” as you walk underneath it to ward off ill fortune.
Knocking on wood will keep you safe
The idea is that the sound of the knock will send a message to the gods or spirits who live in the wood, asking them to keep
There’s no scientific evidence to support this superstition, but many people continue to do it anyway because it makes them feel good. For many right hand has a spiritual meaning.
So, whether you believe in it or not, there’s probably some truth to the saying “knocking on wood.”
Horseshoes are lucky charms
There are many superstitions surrounding horseshoes, but the most popular belief is that they are a lucky charm. People believe that throwing horseshoes will bring good luck to the person who catches them.
Horseshoe tossing is a centuries-old tradition in many countries and has been linked to both physical and spiritual health benefits. Playing a game of horseshoes is easy on the body and provides benefits with social interaction.
Another theory suggests that hanging horseshoes in the “U” position will keep out evil from the house where it is hung. By decorating your door with a horseshoe in the U position, you are keeping your home free from negative energy which can have a positive impact on their lives and attract good luck to the house.
Wearing a white ribbon around your neck
People in the United States and other countries wear a white ribbon around their necks to protect themselves from illness and danger.
The ribbon is a symbol of peace and purity.
A penny found on the ground is good luck
Some people believe that if you find a penny on the ground, it means good luck for the day.
This superstition is based on the belief that money is associated with both happiness and good fortune.
In fact, one gentleman collected all the pennies he found for 45 years and ended up saving over $5000! (source)
Throw salt over your left shoulder and on the floor
It is said that throwing salt over your left shoulder will protect you from bad luck.
The superstition is said to originate from the ancient Egyptians who believed that the left side of the body was associated with the dark side of the moon. To avoid bad luck, they would throw salt over their left shoulder with their right hand to cleanse themselves.
Bad luck to open an umbrella indoors
Opening an umbrella inside is considered bad luck because it can bring rain indoors.
This superstition likely originated from the belief that opening an umbrella will cause the wind to change, which in turn will cause rain.
Crossing your fingers when you make a wish.
The superstition of crossing your fingers when you make a wish is a result of the Latin word meaning “to shut the hand.”
In ancient Roman times, it was believed that making a wish with your open hand would allow the bad luck you were wishing for to enter your house. So instead, you crossed your fingers.
The custom has become so popular that it’s even found its way into our society.
Putting money in an egg carton to bring money in the future.
They say that the egg carton is like a time machine and that when you break the egg and the money falls out, you are telling the universe that you want to receive that money.
Others believe that putting money in an egg carton will bring you good luck.
This is a very simple thing for people to do.
Sneezing Means Death
When someone sneezes with their right hand, it is thought that the devil will enter their body through their nose and they will die soon. There are many superstitions surrounding sneezing and they vary by culture.
Another thought people believe that if you sneeze, it means someone is talking about you. It is said that a sneeze is a “passing of the wind” and that the wind carries the words “bad news” to the person who is sneezing.
Right hand itching is one of the 13 popular superstitions. There are many beliefs on what it means when your right hand itches, but the most popular belief is that it means good luck is coming your way. To ensure a good night’s sleep, some people say “Blessed are the meek” before bedtime.
Saying “Blessed are the meek” before bed
Some superstitions include saying “Blessed are the meek” before bed to ensure a good night’s sleep.
This is because people who are meek often have less stress in their lives and are less likely to have anxiety or depression. Saying this before bed will help you get a good night’s sleep, which will help you have a better day.
Just like starting with a billionaire morning routine, this is something simple to do to ensure a great day!
What is the superstition about an itchy palm?
There are a few different superstitions about an itchy palm.
One is that it means you will receive money soon. Another is that you will be going on a journey.
And finally, some believe that an itchy palm means that someone is talking about you.
Right Hand Itching and [Bad Luck]
Some people believe that right hand itching is caused by bad luck or misfortune, so they try to avoid situations that might trigger it (like trying to play the lotteries).
Others think that scratching the itch will make it go away, but this isn’t always true. In fact, scratching can sometimes make the itch worse.
What are the different interpretations of this superstition?
There are a few different interpretations of this superstition.
One is that it means you will receive money soon.
Another is that it means someone is talking about you behind your back.
And finally, some believe that an itchy right hand means you should be on the lookout for danger.
How to improve the luck further?
There are many ways to improve your luck further, and some of these include doing things that have been traditionally associated with luck.
Here are specific things to try:
Avoid unlucky days and times.
Keep a positive attitude throughout the day.
Wear prosperity bracelets.
Carry a good luck charm with you.
Dress in lucky symbols.
Follow the same routine when you found success.
Pick up pennies that are head-side up.
Don’t let negatively affect you
There are also a number of simple tips you can follow to increase your chance of success, such as staying organized and disciplined in your work, avoiding distractions, and setting realistic goals.
Is it a Fortune, Lottery Number, or just a Symptom of Itching Palms?
The best way to deal with right hand itching is to identify its cause and treat it accordingly. If you cannot identify its source, you may want to consult a doctor for further testing or treatment options like prescription medications.
If the doctor cannot find a medical cause of your right hand itchiness, then start tracking when and where your itchiness occurs.
Then, you can easily prove your right hand itchiness wasn’t from blisters, nerve disorders, or something else crazy.
Your truth will be the decision on whether your right hand itching was from money coming your way or a medical disorder.
If you are looking for believable excuses to miss work, then scratch your right hand to your left to come into instant cash.
Know someone else that needs this, too? Then, please share!!
Obsessive-compulsive disorder, or OCD – it’s a term that most of us are familiar with, often because it is used in a humorous way (I.e. – That’s my OCD kicking in, or, I’m OCD about that).
But OCD isn’t a joke, and certainly not when you are applying for life insurance.
OCD is a recognized medical condition, and has implications for a person’s future, as well as the risk that a life insurance company will associate with writing a policy.
The risk is generally perceived to be higher for someone with OCD than it is for someone without it, and can sometimes rise to the level of a declined life insurance application.
Sometimes, but certainly not always.
What Is Obsessive Compulsive Disorder?
According to the U.S. National Library of Medicine, OCD is:
“…an anxiety disorder in which people have unwanted and repeated thoughts, feelings, ideas, sensations (obsessions), or behaviors that make them feel driven to do something (compulsions). Often the person carries out the behaviors to get rid of the obsessive thoughts. But this only provides temporary relief. Not doing the obsessive rituals can cause great anxiety and distress.”
Symptoms can include a combination of the following:
Obsessions or compulsions that are not due to medical illness or drug use
Obsessions or compulsions that cause major distress or interfere with everyday life
There are many types of obsessions and compulsions. These can be physically doing things (behaviors) or doing them in the head (mental acts). Examples include:
Checking and rechecking actions (such as turning out the lights and locking the door)
Excessive counting
Excessive fear of germs
Repeatedly washing the hands to ward off infection
Repeating words silently
Praying silently over and over
The exact cause of OCD is not well understood, but is believed that head injury, infections, or abnormal function in certain areas of the brain could be factors, as well as genetics. Typically, the symptoms will show up in the patient by age 30. In addition, the patient is usually aware that he or she has these symptoms, but is unable to control them.
Treatment includes a mix of medication (usually antidepressants, mood stabilizers, and antipsychotic drugs) and behavioral therapy, as well as talk therapy. This involves repeatedly exposing the patient to situations that trigger obsessive thoughts and behaviors, and effort to gradually increase the patient’s ability to tolerate the distress and to avoid compulsive behavior.
Though complete elimination of the syndrome is rare, treatment has been shown to be effective over the long term. Fortunately, there is little evidence to indicate that OCD leads to other mental health issues.
How Does OCD Affect an Application For Life Insurance?
Just as is the case with virtually any other type of pre-existing condition, your ability to get life insurance with OCD will depend upon a number of factors including:
How much time has passed since the initial diagnosis
The extent of your condition – mild, moderate, or severe
Medications (if any) that you are taking, and how compliant you are in doing so
How regularly you are getting medical help
Whether or not you have seen a psychiatrist
Whether or not you have ever had electroshock therapy
Thoughts of suicide, or any attempts at suicide
If you have ever required hospitalization as a result of OCD
The life insurance company will follow all the normal procedures in processing your application. This will include conducting a physical, which is generally conducted in your home or place of work, and will monitor the basics, such as height, weight and blood pressure, as well as taking blood and urine samples. None of this is likely to reveal that you have OCD, but the insurance company will also request physicians statements, that will reveal your previous medical history.
As is the case with any type of medical history, it’s always best that you disclose OCD on your application. There are simply too many ways that the insurance company can verify the true state of your medical condition. As an example, the company can do a prescription database search to see what type of medications you have been prescribed in the past. If that reveals medication taken for OCD, your application is likely be rejected because of your lack of disclosure of your condition.
In many cases, you may receive a standard risk assessment despite having OCD. This won’t get you the best rates on life insurance, but they will allow you to purchase life insurance at a reasonable premium.
In a worst-case scenario, you could be given a guaranteed issue policy. That’s the kind of policy that will be based on your age, and approval will be guaranteed. There is no medical exam or health questions required for this kind of policy either. There are however a couple of limitations. Because medical condition is not a factor, the premium rate per thousand dollars of coverage will be higher than it is for ordinary life insurance. You will also be limited in the amount of the death benefit, generally to not more than $30,000. Guaranteed issue policies also typically contain a waiting period on payment of the death benefit. Benefits will not be paid out at any time during the first two years that the policy is in force.
It’s not a perfect life insurance solution, but it’s certainly better than no life insurance coverage at all.
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The Affect of OCD on Your Life Insurance Premiums
Though it is unlikely that you will get preferred rates if you have OCD, as noted above, you may qualify for standard rates if your condition is mild or moderate.
That may be the case if you’re only taking a single medication and have no history of hospitalization or suicide attempts related to OCD.
Exactly what your premium rates will be will depend on a number of factors, as well as the company that you are making application with. If you have OCD, it’s much better if you do not attempt to try and get a life insurance policy on your own.
What It Takes to Get an Affordable Policy With OCD
If you have OCD, there are two factors that are important in regard to your life insurance application: approval and premium rate. For this reason, you will need to have the assistance of a life insurance professional, particularly one who has plenty of experience in obtaining life insurance for people who have pre-existing conditions.
In the insurance world, not all companies view all health conditions in the same light. In the case of OCD, some may consider it to be an automatic decline. Others will approve the policy with a significant rate adjustment, while still others will accept policies with only minor increases in basic premium rates. The key is to know which are the best life insurance companies for people with OCD, and have the most affordable premiums. A competent life insurance professional will know exactly this. That will not only save you premium dollars, but will also save you the time that you will waste applying to companies who will never approve your policy, or will do so at ridiculously high rates.
If you have OCD, you also need to do your part to make sure that you’re the best candidate possible for life insurance. This will include some or all of the following:
Do your best to lead a stable life – that includes your personal life, your family life, and your professional life
Make sure that you are healthy in every other way, and that especially includes your overall physical health; you need to avoid representing multiple risks to an insurance company
Be sure to stay current with any therapy related to your OCD, that includes regular doctor visits, taking required medication, or any other prescribed therapies
Be sure to disclose your OCD and any other medical conditions that you have to your agent – he can only help you if he knows what those conditions are
Do your best to take care of what you can, and let your agent worry about which companies to apply to. Your proactive behavior, in combination with your agent’s ability to navigate the life insurance maze, should get you the coverage that you need at a rate that you can afford.
If you have someone counting on you financially – or even if there is someone in your life who may be required to pay off your debts and your final expenses in case of the unexpected – then you likely need to have life insurance.
You can use life insurance proceeds for any number of circumstances, such as paying off a home mortgage and credit card debt, as well as replacing lost income. Replacing lost income ensures loved ones can continue to pay their everyday living costs, in turn, keeping those you care about from financial hardship.
When you are shopping for life insurance, you want to make sure that you choose the right type and amount of coverage for your specific needs. You should also ensure that the life insurance carrier you obtain the policy from is reliable and stable financially so that your loved ones can be more assured that they will get the funds that are owed to them. One insurer that fits these criteria is the Baltimore Life Insurance Company.
The History of The Baltimore Life Insurance Company
The Baltimore Life Insurance Company was initially founded back in 1882, as The Baltimore Mutual Aid Society of Baltimore City. Five men began the company with a starting sum of $260.93 in company asset. At that time in U.S. history, many people purchased life insurance coverage so that they or a loved one would not have to buried in a potter’s field, as versus replacing lost income of a breadwinner.
While it took several years for the company to start growing, by the year 1900, it was starting to pick up steam. At that time, the company’s name was also changed to The Baltimore Life Insurance Company of Baltimore City.
Over the years, the Baltimore Life Insurance Company has held steady through several recessions, and even depressions, in the United States. But it has persevered. Today, Baltimore Life Insurance Company insures more than 300,000 policy holders – both families and businesses – in communities across the country.
With its home office now located in Owings Mills, Maryland, the Baltimore Life Insurance Company operates in 49 of the U.S. states, and in the District of Columbia. The products and services of the Baltimore Life Insurance Company are marketed through 13 different career agency sales groups that operate in Maryland, Pennsylvania, Ohio, South Carolina, and West Virginia, as well as through an independent sales division.
The company’s independent marketing organizations’ ability to develop strong relationships with clients is the key to the success of clients as well as the insurer. To achieve this, the Baltimore Life Insurance Company offers extensive support, such as:
A competitive product portfolio
An electronic application and underwriting process (known as INSpeed)
Stellar customer service
The key market segment that the company targets is those who are in middle-class America.
The Baltimore Life Insurance Company Review
As of year-end 2016, the Baltimore Life Insurance Company had invested assets of nearly $1.2 billion – which equates to approximately 4 percent more than year-end 2015, and total assets of $1.241 billion. The company’s surplus stood at more than $81 million, which is a significant increase over the year prior.
The company also increased its new business sales in 2016, by 8 percent over its 2015 figures. Given its normalized sales and its death claims, the Baltimore Life Insurance Company continues to demonstrate positive operating income.
Today, just as it was when the company began in 1882, the Baltimore Life Insurance Company serves the mutual interests of its policyholders, its agents, its employees, and the communities around it. Commitment to excellence guides the company’s actions to the following:
Financial discipline
Making a positive difference
Integrity and respect
Openness and honesty
The Baltimore Life Insurance Company serves in some ways, including through sponsorships and employee volunteerism. Just some of the charities the company supports include the United Way and the Community Grants Program, as well as regular blood drives via the Red Cross.
Insurer Ratings and Better Business Bureau (BBB) Grade
Based on the company’s financial stability, and its ability to pay out its policyholder claims, the Baltimore Life Insurance Company has a rating of B++ (Good) from A.M. Best Company. This rating is fifth out of a possible 16 ratings.
Also, even though the Baltimore Life Insurance Company is not a Better Business Bureau (BBB) accredited company, the BBB has given this insurer a grade of A+. This is on an overall grading scale of A+ to F. Over the past three years, the Baltimore Life Insurance Company has only had to close out three customer complaints through the Better Business Bureau (and only one of these was in the past 12 months). All three of the complaints centered on problems with the company’s products and services.
Life Insurance Coverage Offered Through The Baltimore Life Insurance Company
The Baltimore Life Insurance Company offers a long list of personal life insurance options to choose. These can help to address both individual and family needs. These policy offerings include the following:
Secure Solutions Protector – Level Term Life Insurance – The Secure Solutions Protector level term life insurance coverage offers initial level premium periods of 10, 15, 20, or 30 years. After that, the policy may be renewed on an annual basis. All of the death benefits and the premiums are fully guaranteed to the insured’s age 100.
Home Secure – Simplified Issue Level Term Life Insurance Coverage – This plan provides both a death benefit that can be used by beneficiaries, as well as the option for living benefits, which can be applied if the insured becomes disabled or is diagnosed with a terminal illness. These living benefits may also be used if the insured is confined to a skilled nursing home facility. Also, this plan has a return of premium option.
Secure Solutions Advantage – Whole Life Insurance – This whole life insurance policy offers guaranteed cash values, along with a level death benefit. The policyholder may also receive dividends from the company to take as cash, or to put towards the purchase of additional life insurance coverage.
Silver Guard I, II, and III – For those who are between the ages of 50 and 80, final expense life insurance protection may be necessary. The Silver Guard plan can provide those funds. And, once qualified, as long as the premium remains paid, the plan will stay in force.
Lifetime Navigator – Universal Life Insurance – The Lifetime Navigator universal life insurance plan combines the affordability of permanent life insurance, flexible premiums, and a built-in lifetime insurance protection guarantee feature. For those who are seeking long-term protection with a competitive premium cost, this could be a viable option.
Generation Legacy – The Generation Legacy allows the transfer of funds from non-qualified annuities and other qualified plans, and offers an easy, tax-efficient way of passing a much later gift from these proceeds to the insured’s loved ones.
Secure Solutions – Single Premium Whole Life Insurance – The Secure Solutions Single Premium Whole Life insurance plan allows the transfer of cash funds such as money market and CD accounts. Plus, if the insured is diagnosed with a terminal illness, he or she may access the policy’s living benefits for paying their medical costs, or any other financial need that they see fit.
Critical Illness Insurance – The critical illness coverage from the Baltimore Life Insurance Company provides for medical expenses that are associated with the major critical illnesses, such as cancer, heart attack, kidney failure, major organ transplant, and stroke. This plan provides a cash benefit that can be used for costs that are not typically covered by regular health insurance policies such as home health care, experimental medical treatments, copayments and deductibles, and the lost income of a spouse or other caregiver.
Other Products and Services Offered
In addition to the life insurance coverage products that are offered via the Baltimore Life Insurance Company, there are also other products and services that can be obtained through this insurer. These include the following:
Retirement Annuities – The annuities that are offered by the Baltimore Life Insurance Company include options such as flexible premium retirement annuities (FPRAs), single premium deferred annuities (SPDAs), and single premium immediate annuities (SPIAs). All of these financial vehicles can help to ensure that a retiree will have an income for a set amount of time in the future.
Workplace Solutions – Baltimore Life Insurance Company works with business owners to help provide voluntary supplemental benefits for better meeting the needs of employees and their loved ones. These solutions include a permanent whole life insurance product, critical illness insurance coverage, disability income protection, dental insurance, long-term care insurance, personal major medical coverage, and more.
Financial Needs Analysis – The Financial Needs Analysis, or FNA, can help clients to set financial goals, prioritize them, and initiate a plan of action. The FNA should ideally be reviewed on a regular basis.
Prescription Savings Program – The Baltimore Life Insurance Company offers the ScriptSave Value Program that can help individuals and families to save money on necessary prescription medications. Both name brand and generics are eligible for this savings program.
Personal Planning Guide – Although nobody wants to dwell on it, there can be unexpected expenses thrust upon loved ones when an individual passes away. But, by going through the personal planning guide, individuals and families can plan for such costs in advance, and can often avoid having to dip into savings or other assets to pay these expenses.
Grants Program – For over fifteen years, the Baltimore Life’s Community Grants Program has helped many organizations in the communities where the company’s employees live and work.
Identification Program – As a community service, Baltimore Life Insurance Company offers several ID card programs to local groups and organizations. These programs can enhance the safety of the communities where the company serves. These cards include Child ID and Youth SportSmart cards, as well as medical emergency cards.
How to Find the Best Life Insurance Premium Quotes with Baltimore Life Insurance Company
If you have been looking for the best life insurance premium quotes on coverage from the Baltimore Life Insurance Company – or from any insurance provider – it is typically recommended that you work in conjunction with an independent life insurance agency or brokerage that has access to many different insurance carriers. In doing so, you will be better able to compare, side-by-side, the plans and the premium prices of different options, and from there you can decide which one will be the best for you and your specific needs.
When you are ready to move forward with comparing available life insurance options, we can help. We are an independent insurance broker, and we work with many of the top life insurance carriers in the industry. We can provide you with all of the important information that you will need for making a well-informed decision – and we can do so right from your computer. If you are ready to begin the process, then all you have to do is just simply fill out our quote form.
We understand how overwhelming it can seem when you are in the process of shopping for life insurance. There are many different policies and companies to choose from – and you want to be sure that you are moving in the right direction. Our life insurance experts can get you through this process easily, though. So, contact us today – we’re here to help.
After a major life event like bypass surgery, it’s understandable that you’d be in a hurry to buy life insurance as soon as possible. This is often a mistake. Life insurance companies will see your past surgery and this could prevent you from receiving a policy.
To qualify for insurance after a bypass, you need to plan right and fill out a good application. To get you ready, here is a review of the insurance guidelines for after bypass surgery as well as some tips to help you with your application.
When you’re shopping for life insurance protection, there are dozens of different factors that you’ll need to consider. It can be confusing and difficult , especially if you’ve had a bypass surgery in the past.
Life Insurance Underwriting after Bypass Surgery
You’ll need to answer several questions about your bypass surgery for your application. You’ll need to answer:
What did you have your bypass surgery?
Why did you need to have bypass surgery? Was it an elective or emergency procedure?
Have you ever had any other types of heart surgeries like a heart valve replacement?
Were there any complications after the surgery like internal bleeding, cardiac tamponade, or a stroke?
Do you have any other high-risk factors for heart disease like smoking, high cholesterol, or high blood pressure?
Do you have a history of heart disease?
What medications are you taking because of the bypass surgery?
Common medications for after a stroke include: Clopidogrel, Beta blockers, Nitrates, ACE inhibitors, and Lipids. None of these medications is going to cause you to be declined.
For life insurance underwriting, more information is better. If an underwriter felt your application was incomplete, especially after something major like bypass surgery, there’s a good chance you’d get a poor rating or a denial.
Ads by Money. We may be compensated if you click this ad.Ad
Life Insurance Quotes after Bypass Surgery
If you’ve had bypass surgery, it’s very important to delay your life insurance application for some time after your surgery. This is because life insurance companies typically deny applicants that just had bypass surgery; there are too many complications that can come up. It’s best to wait at least 6 months to a year before applying.
When you apply, insurance companies will review the details of your bypass surgery and your health. Your rating would depend on how well the surgery went as well as whether you are taking steps to avoid future heart problems. While each insurance company uses different standards, let’s give you some basic ideas on your classification:
Preferred Plus: It’s not possible to get a preferred plus rating after bypass surgery, even if you are healthy and the procedure went well. There is just too high a chance of future heart problems for insurance companies to be willing to give the best rating.
Preferred: Also usually impossible. In very rare cases, someone that had an elective bypass and was otherwise in perfect health might qualify for a preferred rating, but this is not something you should expect.
Standard: The best rating for applicants after a bypass surgery. Applicants need to have waited a year after the surgery and be in perfect health otherwise. The bypass surgery also must have been a minor procedure, like elective surgery to get around a blockage early.
Table Rating (substandard): A table rating is the most likely rating. Applicants should have waited at least 6 months after their surgery to qualify. Rating will depend on the severity of the surgery, whether there were any complications, whether the applicant had other procedures like a heart valve replacement, and basic health info.
Declines: Applicants that apply within 6 months of their bypass surgery. Also, applicants that aren’t regularly seeing their doctor, have a history of serious heart problems, and/or have heart risk factors like smoking or high cholesterol could also be denied.
Bypass Surgery Case Studies
If you’ve had bypass surgery, it’s very important that you plan your application right. To help you understand, here are some examples of clients we’ve worked with in the past.
Case Study #1: Female, 63 y/o, non-smoker, had bypass surgery for a small blockage at 61, tried applying right away and was denied, otherwise in good health.
This client has a small valve blockage a few years ago that she decided to have removed through elective bypass surgery. Immediately after the procedure, she tried to buy more life insurance. Since she didn’t give anytime between her procedure and her application, the insurance company denied her application. At this point, the client thought she couldn’t get coverage. After contacting us, we recommended she try again. Since she had waited the appropriate amount of time, she qualified for a standard policy this time around.
Case Study #2: Male, 57 y/o, needed bypass surgery at 54, former smoker, recently lost weight and reduced cholesterol levels, taking lipids for cholesterol.
This applicant had an unhealthy lifestyle. He smoked, had a poor diet, and didn’t exercise. This lifestyle eventually forced him to have bypass surgery. After the surgery, this client started living a much healthier life. He also started taking lipids for his cholesterol, as this was a big part of why he had heart problems.
Despite these improvements, this applicant still had trouble getting life insurance. After looking at his situation, we suggest he ask his doctor for a letter which showed his improved health. After he did this, he tried again and got a Table Level 2 plan.
As you can see from the examples, there are dozens of different factors they consider. There are no two applications that are the same, and every company is going to see you differently. Some insurance companies are going to view a history with a bypass survey more favorably than other companies are going to. Finding the right company could be the difference in getting approved for affordable coverage or getting a plan that’s going to break your bank every month.
Getting Affordable Life Insurance Coverage After Bypass Surgery
As an applicant with a bypass surgery in the past, you’re going to be facing higher premiums. Just because of your surgery doesn’t mean you have to spend thousands and thousands on your coverage. Here are a few ways you can save money on your plan.
Using tobacco is hands-down one of the worst things that you can do for your life insurance premiums. Those cigarettes make your rates go up twice as much.
Because you already have a red flag on your application, you need to improve everything else. To do this, you need to commit to living a healthier lifestyle. This means being more active.
Comparing different policies is always going to be the best way to save money. As we mentioned, each carrier is going to use different standards. Some companies will offer you cheaper coverage. You need to find those companies.
Bottom Line
Getting life insurance after bypass surgery is a challenge, but it’s a challenge many people can overcome. Take the time to research each company and figure out who has the most affordable plans for people with bypass surgery.
After a major life event like bypass surgery, it’s understandable that you’d be in a hurry to buy life insurance as soon as possible. This is often a mistake. Life insurance companies will see your past surgery and this could prevent you from receiving a policy.
To qualify for insurance after a bypass, you need to plan right and fill out a good application. To get you ready, here is a review of the insurance guidelines for after bypass surgery as well as some tips to help you with your application.
When you’re shopping for life insurance protection, there are dozens of different factors that you’ll need to consider. It can be confusing and difficult , especially if you’ve had a bypass surgery in the past.
Life Insurance Underwriting after Bypass Surgery
You’ll need to answer several questions about your bypass surgery for your application. You’ll need to answer:
What did you have your bypass surgery?
Why did you need to have bypass surgery? Was it an elective or emergency procedure?
Have you ever had any other types of heart surgeries like a heart valve replacement?
Were there any complications after the surgery like internal bleeding, cardiac tamponade, or a stroke?
Do you have any other high-risk factors for heart disease like smoking, high cholesterol, or high blood pressure?
Do you have a history of heart disease?
What medications are you taking because of the bypass surgery?
Common medications for after a stroke include: Clopidogrel, Beta blockers, Nitrates, ACE inhibitors, and Lipids. None of these medications is going to cause you to be declined.
For life insurance underwriting, more information is better. If an underwriter felt your application was incomplete, especially after something major like bypass surgery, there’s a good chance you’d get a poor rating or a denial.
Ads by Money. We may be compensated if you click this ad.Ad
Life Insurance Quotes after Bypass Surgery
If you’ve had bypass surgery, it’s very important to delay your life insurance application for some time after your surgery. This is because life insurance companies typically deny applicants that just had bypass surgery; there are too many complications that can come up. It’s best to wait at least 6 months to a year before applying.
When you apply, insurance companies will review the details of your bypass surgery and your health. Your rating would depend on how well the surgery went as well as whether you are taking steps to avoid future heart problems. While each insurance company uses different standards, let’s give you some basic ideas on your classification:
Preferred Plus: It’s not possible to get a preferred plus rating after bypass surgery, even if you are healthy and the procedure went well. There is just too high a chance of future heart problems for insurance companies to be willing to give the best rating.
Preferred: Also usually impossible. In very rare cases, someone that had an elective bypass and was otherwise in perfect health might qualify for a preferred rating, but this is not something you should expect.
Standard: The best rating for applicants after a bypass surgery. Applicants need to have waited a year after the surgery and be in perfect health otherwise. The bypass surgery also must have been a minor procedure, like elective surgery to get around a blockage early.
Table Rating (substandard): A table rating is the most likely rating. Applicants should have waited at least 6 months after their surgery to qualify. Rating will depend on the severity of the surgery, whether there were any complications, whether the applicant had other procedures like a heart valve replacement, and basic health info.
Declines: Applicants that apply within 6 months of their bypass surgery. Also, applicants that aren’t regularly seeing their doctor, have a history of serious heart problems, and/or have heart risk factors like smoking or high cholesterol could also be denied.
Bypass Surgery Case Studies
If you’ve had bypass surgery, it’s very important that you plan your application right. To help you understand, here are some examples of clients we’ve worked with in the past.
Case Study #1: Female, 63 y/o, non-smoker, had bypass surgery for a small blockage at 61, tried applying right away and was denied, otherwise in good health.
This client has a small valve blockage a few years ago that she decided to have removed through elective bypass surgery. Immediately after the procedure, she tried to buy more life insurance. Since she didn’t give anytime between her procedure and her application, the insurance company denied her application. At this point, the client thought she couldn’t get coverage. After contacting us, we recommended she try again. Since she had waited the appropriate amount of time, she qualified for a standard policy this time around.
Case Study #2: Male, 57 y/o, needed bypass surgery at 54, former smoker, recently lost weight and reduced cholesterol levels, taking lipids for cholesterol.
This applicant had an unhealthy lifestyle. He smoked, had a poor diet, and didn’t exercise. This lifestyle eventually forced him to have bypass surgery. After the surgery, this client started living a much healthier life. He also started taking lipids for his cholesterol, as this was a big part of why he had heart problems.
Despite these improvements, this applicant still had trouble getting life insurance. After looking at his situation, we suggest he ask his doctor for a letter which showed his improved health. After he did this, he tried again and got a Table Level 2 plan.
As you can see from the examples, there are dozens of different factors they consider. There are no two applications that are the same, and every company is going to see you differently. Some insurance companies are going to view a history with a bypass survey more favorably than other companies are going to. Finding the right company could be the difference in getting approved for affordable coverage or getting a plan that’s going to break your bank every month.
Getting Affordable Life Insurance Coverage After Bypass Surgery
As an applicant with a bypass surgery in the past, you’re going to be facing higher premiums. Just because of your surgery doesn’t mean you have to spend thousands and thousands on your coverage. Here are a few ways you can save money on your plan.
Using tobacco is hands-down one of the worst things that you can do for your life insurance premiums. Those cigarettes make your rates go up twice as much.
Because you already have a red flag on your application, you need to improve everything else. To do this, you need to commit to living a healthier lifestyle. This means being more active.
Comparing different policies is always going to be the best way to save money. As we mentioned, each carrier is going to use different standards. Some companies will offer you cheaper coverage. You need to find those companies.
Bottom Line
Getting life insurance after bypass surgery is a challenge, but it’s a challenge many people can overcome. Take the time to research each company and figure out who has the most affordable plans for people with bypass surgery.
If you have Chronic Obstructive Pulmonary Disease, it’s going to be a problem for buying life insurance.
Don’t get discouraged though because many people with COPD are still able to get coverage.
If you’ve ever been told that you can’t get life insurance because of your COPD, don’t believe it. There are several ways that you can get affordable life insurance coverage.
Life insurance is one of the best safety nets that you can ever buy for your loved ones. It’s one of the only ways that you can ensure that you and your family have the money that they need. If you have a serious pre-existing condition, like COPD, then it can be difficult to get an affordable life insurance plan, but it’s not impossible.
Life Insurance Underwriting for COPD
To help you be prepared, let’s look at some of the questions you’re going to face:
When were you diagnosed with COPD?
Did you ever have to go to the hospital for your COPD? If so, what treatment did you receive?
Do you have any other lung issues like asthma or bronchitis?
Have you had any recent diagnostic tests like a chest X-ray or Pulmonary Function Test (PFT) to check the condition of your lungs?
Do you smoke now? Did you smoke in the past?
What medications are you taking for your disease?
Common medications for COPD include: Bronchodilators, inhaled and oral steroids, Theophylline, and antibiotics.
Include as much info as possible on your application. If life insurance underwriters feel like your application is missing information or doesn’t clearly explain your condition, there’s a good chance your policy will be rejected or receive a bad rating.
Life Insurance Quotes with COPD
When you have COPD, life insurance companies will want to know the severity of your condition. Typically, they do this by giving you a PFT to test your FEV1% (Forced Expiratory Volume per second). A healthy person has a FEV1% between 80 and 120% whereas someone with COPD is below 80%. The further below 80% you are, the more severe your COPD is.
Aside from your COPD diagnosis, the company is going to ask you a lot of general questions. After they’ve gotten all the info, they are going to put you in a rate class depending on how much risk you are.
Preferred Plus: Impossible for someone with COPD. The health impact of this disease plus its risk of future lung problems is just too great.
Preferred: Also generally impossible for someone with COPD. This disease is just too serious, especially since it’s a chronic condition.
Standard: Best possible rating for someone with mild COPD, so an FEV1% very close to 80%. This is someone that only has a mild, chronic cough and only has minor shortages of breath after exercise. The applicant should also not be smoking and have no other health issues.
Table Rating (substandard): Most applicants with COPD. Your table rating depends on the severity of COPD, whether you have any other lung complications, how often you need to use inhalers and other treatments for your COPD, and if you have other pre-existing conditions.
Declines: Applicants with extremely severe COPD, usually a FEV1% below 40%. In addition, applicants that continue to smoke could also be rejected as this increases the chance of more problems. Lastly, applicants with other serious health problems like heart disease on top of their COPD.
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COPD Insurance Case Studies
If you’ve been diagnosed with COPD, your odds of a fair life insurance rate go up significantly by doing some prep work. To show you, here are some stories over previous clients we’ve worked with who had COPD.
Case Study: Male, 57 y/o, diagnosed with COPD at 54, former smoker but quit after diagnosis, using an inhaler occasionally
This applicant used to be a fairly heavy smoker and this caused his COPD. After his diagnosis, and was rejected because tobacco still showed up in his blood stream. The applicant decided to quit smoking immediately after
We recommended this applicant take another PFT to see whether quitting smoking made an impact. His COPD appeared less severe than when he first appeared so we recommended he reapply with his new PFT results. Since it had been several years since he last smoked, the applicant did not test positive for smoking this time around. As a result, he received substandard level-2 policy. This was more expensive than a regular policy but not a bad rating for someone with COPD.
Case Study #2: Female, 50 y/o, former smoker, diagnosed with COPD at 47, very mild case, applicant otherwise in perfect health
Besides smoking, this applicant was in perfect health. However, her smoking led to a mild case of COPD which scared her into quitting right away. When she applied for insurance, she would only qualify for rated policies. We thought she could do better.
We suggested she go to her doctor for a full checkup and to ask for a letter vouching for her good health. She asked that the doctor also mention that her smoking had not caused any other health problems and she looked in good shape now that she quit. After this, she got a standard rating.
Getting Better Life Insurance Rates with COPD
As we mentioned, with COPD, you’re going to pay more for your insurance coverage. You already have a red flag on your application, which means you should polish up the rest of your application.
As a person with COPD, you should always avoid smoking, but if you use chewing tobacco or any other form of tobacco, you’re going to face much higher insurance rates. You have to cut the tobacco if you want affordable protection, it’s as simple as that.
Aside from quitting smoking or chewing tobacco, the best way you can save money is to compare companies. Some companies are going to crack down on your COPD diagnosis, while others are will give you favorable rates. Find the one who gives you the lowest rates.
There are hundreds of life insurance companies on the market that you can choose from. Some of them are going to be more favorable towards your COPD diagnosis than other companies are going to be. Our agents have worked with countless applicants with COPD and we know the ones who give the best plans.
Getting life insurance with COPD can get challenging, but it’s very doable. For the best chance of success, it helps to work with someone that understands this market.
Save more, spend smarter, and make your money go further
If you want to buy term life insurance, you’ve got a few options. You could work with an agent in your area if you’d prefer a face-to-face interaction, or you can buy online if you prefer the convenience of an electronic process.
However, not all online life insurance agencies are created equal. If you’re shopping around for term life quotes, it’s important to understand what to look for to help you get the best value.
What to expect when you’re applying for coverage
Anyone who has gone through a life insurance application in the past could tell you that life insurance carriers are some of the most thorough and careful companies in the world. This is because life insurance policies are priced based on the applicant’s risk of death.
However, the process of applying has come a long way, and it’s actually gotten pretty simple – especially online. Nowadays, most of the heavy lifting is done behind the scenes.
If you add a good agency into the mix, applying for life insurance is practically painless, since it will handle almost everything that doesn’t require your signature or further clarification from you.
Generally, buying a life insurance policy will take between two and six weeks, and the process tends to follow a consistent format.
Step 1: Submit an application
When you find a price you like, you can choose a carrier to submit a formal application with. Choosing a carrier to apply with isn’t a binding decision, and you’re always free to back out of an application to go a different direction.
Step 2: Take a medical exam
Life insurance carriers will require you to take a medical exam see how healthy you are. This is free for you and the examiner will even come to your home or office to make things convenient.
Step 3: Wait for your medical records
The carrier will order a copy of your medical records from your doctor, which could take anywhere between hours and weeks, depending on how well-organized your doctor keeps their records.
Step 4: Tie up loose ends
After the exam is completed, medical records have been received, and any other questions the carrier needs answered are out of the way, your application will be reviewed. Once you get the final OK from the carrier, your policy will be approved, and you’ll be on your way to getting coverage!
Let’s look at each of these steps in a little more detail.
Submitting your application
Starting your life insurance journey will often begin with getting a quote, which will show you prospective prices based on a few key factors, like the amount of coverage you’d need, how long you want it to last, and a few health and lifestyle questions.
Interested? Check out a few prices. Quotacy has an online quoting tool you can use – no commitment required.
Taking the medical exam
After applying for coverage, the life insurance carrier will require you to take a quick medical exam in order to be approved for coverage. Because life insurance pricing is based on your mortality risk, the carrier needs to verify your current medical situation.
The medical exam is a free mini-physical performed by an examiner and scheduled by the carrier. It can happen anywhere, even in your home or office, whenever you can spare half an hour.
Typical exams consist of:
A few questions about your medical history
A list of any medications you’re taking
Height and weight measurements
Pulse and blood pressure check
A urine sample
A blood sample
Preparing for your exam
The measurements that are taken during the exam are extremely important, and being prepared is your best bet to ensure a good outcome. In the time before your exam, you should remember to:
Fast for 6-8 hours – this will reduce your blood sugar. Scheduling your exam in the morning can make this easy if you skip breakfast.
Don’t smoke for at least one hour prior – smoking temporarily raises your blood pressure.
Don’t drink coffee for at least one hour prior – caffeine can increase your blood pressure and raise your pulse.
Avoid alcohol for 8 hours prior – it’s high in calories, and can raise your blood sugar and blood pressure.
Avoid overly salty and sugary foods for one day beforehand – both salt and sugar raise your blood pressure.
Drink lots of water – this hydrates you to help make the blood draw a lot easier and less painful.
No strenuous exercise the night before or the day of your exam – as your body repairs from exercise, your blood pressure and pulse rise slightly.
No sexual activity for one day beforehand (for men, at least) – gettin’ freaky lowers the PSA levels in your blood, which is one of the ways that carriers evaluate your prostate health.
Get a good night’s sleep – being well-rested lowers blood pressure. As an added bonus, if you’re afraid of needles, having a full eight hours can help your body negate the physical effects of your phobia.
Waiting for your medical records
Before your life insurance application is approved, insurance carriers order copies of your medical and driving records to help them get a better idea of any insurability risks you might have. Just like with the medical exam, the carrier orders these records behind the scenes on their own dime.
Because the laws protecting a patient’s medical records are extremely strict, you will need to sign a form authorizing your doctor to release your records to the insurance company and agency you’re working with.
At this point, all you’ll need to do is sit and wait for the records to arrive. Depending on how efficient your doctor is at sending them along, waiting for this step to be completed can either happen overnight or take a few weeks.
Answeringadditional questions
In addition to everything else that happens during your application, the carrier will sometimes have follow-up questions for you which will help them get to know you a bit better. These questions can be about anything from medical conditions to your hobbies to your travel plans.
A lot of the time, the questions a carrier asks can be pretty scary to someone trying to protect their family. Many clients see a questionnaire about their sleep apnea, or their diabetes, or their battle with cancer, and assume that the carrier will decline them on the spot.
It’s important to keep in mind that even though there are many factors that can affect your rate during this time, you’ll likely be able to get coverage. The whole reason that insurance carriers have flexible prices is because they want to offer coverage to as many people as possible, regardless of the circumstances.
Here’s a quick list of example questions you could see during an application, depending on your circumstances.
If you have a medical condition:
How severe is it?
How is it being treated?
Is the treatment effective?
If you have a risky hobby, like hang gliding or rock climbing:
What level of experience or certification do you have?
How often do you participate in your hobby?
How much time have you dedicated to your hobby?
This isn’t a comprehensive list, by any means, but hopefully it will give you an idea of what the carrier is looking for.
Waiting for approval
Once the carrier has everything they need, your application will enter the approval process. This is when the carrier’s underwriters will review everything they’ve collected as a whole, and evaluate where the final price of your insurance policy should be set.
If you’re approved for coverage, you’ll be sent a packet containing your policy itself as well as a few documents that you’ll need to sign and return so the carrier can finalize your coverage. This step is also when the carrier will collect your payment information so that they can set up your billing on their end.
Depending on the carrier you apply with, you will either be sent digital forms or a physical policy booklet. Regardless of the format, you should store your policy securely and have a plan in place to help your family find it in the event of your death, so they can claim your death benefit.
After a bit more processing by the carrier to wrap up any loose ends, you’ll receive a notification that your policy is inforce. That means that everything’s in place on the carrier’s end of things, and your coverage has been activated! All that’s left for you to do is make your premium payments according to your payment plan, and your family will be covered.
Eric Lindholm is a writer for Quotacy, and he’spersonally guided hundreds of people through their own life insurance journeys since joining in 2016. Eric lives in the Twin Cities, Minnesota, where he’s busy paying off his student loans and making the most of his time as a 20-something. You can connect with him and see what he’s up to at EricLindholm.biz.
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Inside: Do you want to make quick money? If so, you’ll love this collection of ways to make cash in one day. Start these tasks and start making extra cash fast.
In today’s world, there are many ways to make quick money in one day.
The internet and technology have created opportunities that were non-existent just a few years ago. You can now make money in your PJs from the comfort of your own home! I do!
We all have those times when we need cash fast. Maybe it’s for an emergency car repair, an unexpected medical bill, or a last-minute plane ticket home.
Whatever the reason, there are plenty of ways to make quick money in one day.
We will include some of my personal favorites as well as methods I researched.
In today’s blog post, we will outline the best ways to make quick money in one day.
How can I make immediate money?
If you need immediate money, you need to look for ways to get cash in your hand quickly.
This would be by selling your possessions, participating in focus groups, find a gig job that pays cash tips.
These ideas will get cash in your hand within 24 hours.
How much money can I make in one day?
Many people wonder, “How much money can I make in one day?”
The amount of money you can make in a day depends on a variety of factors, such as your job, side hustles, and financial opportunities.
With a bit of hustle, creativity, and smart financial decisions, it is possible to make up to $1,000 a day.
However, you need to develop a smart strategy for achieving this goal. Investing in education will help you put that money to work growing for you.
This post may contain affiliate links, which helps us to continue providing relevant content and we receive a small commission at no cost to you. As an Amazon Associate, I earn from qualifying purchases. Please read the full disclosure here.
50 best ways to make quick money in one day
Making money quickly is possible with some time and effort.
There are a lot of ways to make quick money in one day. In fact, many ideas center around how to make money online for beginners.
Here are 50 of the best methods that you can use to make some extra cash.
1. Work on freelance projects
Working on freelance projects can help you make quick money in one day by providing you with one-off jobs that can benefit from your skill set.
With the percentage of freelance workers in the workforce climbing steadily, there are many online marketplaces that make it easy to connect with businesses and individuals who need your services.
Sites like Upwork, Fiverr, and Toptal allow you to create a profile and showcase your work, making it easy for you to set your own rates and decide on the length of the project.
Additionally, the more experience you get, the more you can charge and the higher your demand will be, potentially leading to full-time work.
2. Sell items on consignment
Selling items on consignment can help you make quick money by providing an easy, fast way to earn a profit from gently used items.
With consignment shops, you can take your clothes, electronics, jewelry, musical instruments, or even your car to be sold without having to take an active role.
For a cut of the profits, your items will be placed in front of buyers, allowing you to make quick cash.
3. Take on odd jobs
If you’re looking for ways to make money quickly, odd jobs are a great way to do so.
Think of day laborer types of jobs. You can use an app like TaskRabbit to find work in your area.
Some of the common odd jobs you can consider include:
Gardening – you can offer to do gardening work such as weeding, planting, mowing, and trimming.
Furniture Assembly – if you have experience in assembling furniture, you can offer your services to people who need help.
Cleaning – you can offer cleaning services to keep homes and offices tidy.
Painting – you can offer your painting services to those who need help with their walls.
General Handyman Work – if you are good with your hands and have experience in repairing and fixing things, you can offer your services to people who need help.
Moving Gig – people are always looking for help with moving.
4. Trade Options
If done correctly, trading in options can help you make quick money and generate substantial returns in a relatively short period of time.
However, trading options come from experience and should not be taken as a get-rich scheme. Personally, I trade options for a living.
You can make quick money trading options if you know what you’re doing. The key is to identify when the market is going to move in a certain direction and then make the right trades to capitalize on the profits.
Here is the one and only investing course I recommend.
5. Become a rideshare driver
Becoming a rideshare driver can be an easy and convenient way to make money quickly.
All you need to get started is a valid license, active insurance coverage, and an approved vehicle. With Uber and Lyft, you can set your own hours and receive a base rate plus tips and distance or time-based bonuses.
From one of our rideshare drivers, we learned some tricks of the trade such as working in peak hours or in areas with popular nightlife scenes or active airports.
6. Offer house cleaning services
Nowadays, people don’t want to learn their own house, so starting a house cleaning service is a great way to make quick money.
With countless opportunities available online or on local job boards, you can easily find a job that works for you. There are even ways to market yourself so potential customers can find you!
If you have a background in cleaning and don’t mind physical labor, you can make up to $25 an hour or more.
Becoming a housecleaner is a great way to make extra money on the side and you can even make up to $200+ per weekend.
With a bit of effort, you could have a great side-hustle in no time!
7. Rent out your parking spot
If you live in a busy area and have a spot that’s in high demand, you can easily rent out the space for a premium price.
This can be especially profitable if you live near an event center and can offer parking to visitors who don’t want to pay a premium to park in a lot or parking structure. You can put your parking spot to work with services like Just Park or Neighbor.com and earn up to $300 per month.
Renting out your parking spot offers a great way to make extra money while utilizing unused resources or space.
8. Proofread documents
Whether you are a stay-at-home parent, a teacher looking for extra income during summer vacation, or someone with a passion for grammar and punctuation, you can make up to $65,000 a year by proofreading documents.
Make sure to take a Free Training Course: Caitlin Pyle offers a free workshop on how to use the most popular proofreading tool and how to become a work-from-home proofreader.
With some hard work and dedication, you can start earning quick money as a proofreader. Good luck!
9. Walk dogs
Walking dogs can be a great way to make some quick money.
Apps like Rover provide pet owners with a platform to find dog walkers in their area and pay for their services.
A dog walker can make $15-18 per 30 minute walk, with occasional bonuses for boarding or pet-sitting. This is a simple way to get your exercise and make cash.
10. Take an online survey
Companies and websites are always looking for consumer feedback in order to improve their products and services, and offer incentives such as cash, rewards, and gift cards for filling out surveys that can take as little as a few minutes.
Popular survey sites like Survey Junkie and Swagbucks offer these incentives, enabling individuals to make a few quid in just a few minutes of form filling.
Most surveys will only take a few minutes, so you will have to do a bunch to add up to serious cash for your feedback.
Here are the top legit survey platforms:
11. Sell your old junk
Are you looking for an easy way to make some extra money? Why not start by looking around your house and attic/basement for things you no longer use?
You can turn those things into cash by selling them online or having a yard sale.
With a little effort, you can easily make hundreds of dollars by selling your old stuff. It’s a great way to declutter your home and make some extra cash in the process.
Make sure to list your items with attractive descriptions and photos to draw in potential buyers.
12. House sitting
House sitting is a great way to make quick money. It allows you to watch someone’s home while they are away and take care of tasks such as feeding pets, watering plants, and taking out the trash.
You can usually make between $25 to $50 per day depending on the market demand in your area. It’s easy to start, with most sites having a minimum age requirement and a sign-up process that takes only minutes. Payment is typically made when the job is completed.
More importantly, beyond making good money, you are able to housesit in beautiful locations that you may not be able to do otherwise. Personally, this is something I want to start doing.
Build your profile on Trusted Housesitters now.
13. Babysit
Babysitting is a great way to make extra money, especially for those who are looking for flexible jobs that match their availability.
Whether you’re an experienced babysitter or a novice looking to give it a try, there’s no doubt that you’ll find plenty of opportunities available. With a little bit of effort and a lot of dedication, you can make a great living out of babysitting.
Most babysitters earn way more than minimum wage making this a great gig.
14. Deliver food orders
Delivering food orders can make you money quickly by taking advantage of the increasing trend in the popularity of food delivery apps.
With driver-friendly apps like Instacart, DoorDash, and Uber Eats, all you need is an insured vehicle and a smartphone to start delivering food to customers in need.
The pay per delivery can go even further if you work on busier nights like Friday or Saturday. With many apps, you can also choose your own hours and the flexibility to work as much or as little as you’d like. This can be a great way to make some fast cash on the side.
15. Earn money with eBay
eBay is an amazing platform for anyone looking to make some extra money by selling items they don’t use. Whether you’re looking to get rid of an old phone, clothes, or books, eBay is an easy and accessible way to do so.
You can start by selling items you don’t need or don’t use anymore.
You can also consider buying items at a low price with the intention of selling them at a higher price.
If you’re looking to make a full-time income from home, selling items on eBay could be a perfect way. You can start small by buying a thrifty item for a low price and selling it at a much higher price.
With the right knowledge and resources, you can make money on eBay easily. So get started today and watch your earnings grow!
16. Write articles for websites
Writing articles for websites can be a great way to make quick money in one day.
With the increasing amount of new content created daily, business owners often don’t have the time to create content for their websites themselves.
Freelance writers can fill this gap by providing quality content for clients in exchange for payment. Depending on the complexity and length of the article, writers can make anywhere from $25 to $500+ in a single day.
By specializing in a niche, writers can showcase their work as samples to potential clients. Furthermore, writers can establish relationships with other bloggers in their niche, guest blogging, and approach websites in their niche with their writing services to further increase their chances of finding work.
17. Become a pet sitter
Personally, I have a friend who makes money by being a pet sitter and has help from her kids.
With Rover, pet owners in your area can easily find and hire pet sitters for their pets. Dog sitting is the most popular pet sitting activity, and it can earn you around $20-35 for overnight stays.
Plus, you get to decide when and how you want to work, and you can fit it around your own schedule. With the right amount of communication and excellent service, pet owners may even offer you recurring gigs.
18. Participate in focus groups
Participating in a focus group can be a great way to make quick money in one day.
Focus groups are usually based on interesting products or services, and they can pay participants anywhere from $50 to $400 for their time. Not only is it a great way to make money quickly, I have found many focus groups can also be a lot of fun.
The hardest part with focus groups is it is not a steady stream of income as you may not qualify for each opportunity.
19. Do yard work
Just like housecleaning, this is a popular job to be hired out.
Yard work such as basic gardening and landscaping, shoveling snow or salting walkways, and even cleaning gutters can all be done for a fee. Advertising your services through flyers, door knocking, or posting on local job boards can help you find potential customers.
By doing quality work, you can turn this into a weekly gig for quick money.
20. Shop at thrift stores and buy low and sell high
You buy items for a fraction of the cost and resell them for a higher price. For example, you can find brand-name clothing, electronics, antiques, and children’s toys at thrift stores that you can resell on online platforms such as eBay, and Facebook Marketplace.
You can also look for items marked as “free” on the side of the road and spruce them up to sell for a profit.
Shopping at thrift stores can help you make quick money in one day, and with time and experience, you’ll discover which items sell the fastest and for the most money.
To make money flipping items, you must do your research upfront and know how much you can pay for something while still turning a profit. With time and experience, you will learn which items sell the fastest and for the most money.
21. Photography gigs
You can make money with photography in two ways:
Turn your photographs into cash by selling them through stock image websites such as Shutterstock or iStock.
Offer your photography services for family sessions, birthday cake smashes, and even weddings.
Either way, you are able to turn your passionate hobby into a way to easily make a decent income in one day.
22. Participate in sweepstakes
Participating in sweepstakes can help you make quick money in one day by giving you a chance to win big.
Yet, this option comes with a lot of RISK!
There are a variety of competitions and prizes available, ranging from online product giveaways and gift vouchers to big-money TV game shows. You want to look for sweepstakes that are free to participate in and not pay money.
This one ranks up there with the left hand itching principle.
23. Use your Writing Skills
Are you looking to make money with your writing skills? There are lots of opportunities available that pay you to write. From blogging to freelance writing, to reviewing music, you can find the perfect job that allows you to utilize your writing skills and get paid.
You can also make money by helping people refine their writing. If you have a good grasp of grammar and can help people write in a more engaging and structured way, then you can charge for your services.
Publications often hire freelance writers, so that’s another avenue to explore.
No matter what you decide to do, there are plenty of ways to make money with your writing skills – all you have to do is find the right opportunity for you.
24. Become a home staging stylist
Becoming a stylist can help make quick money in one day by offering services to those who are in need of help staging their homes for sale.
Realtors often hire outside help to ensure that the home is presented in an attractive and appealing way, and these services can be provided for an hourly or flat fee.
This is a great part-time gig.
25. Donate plasma
You can make money quickly by donating plasma.
Plasma is the liquid part of the blood that contains antibodies. It can be used to create medications and other medical products. Plasma donation is a safe procedure that can help people in need.
Typically, you walk out with cash immediately.
Check with your local blood bank or hospital to learn more.
26. Host workshops
Hosting workshops can be a great way to make money in a short period of time. There are endless webinar ideas you can try, such as live-at-home fitness classes, cooking, a writing workshop, an Excel class, nutrition coaching, or even a first-time homebuyer class.
With the rise of video conferencing, it’s easy to set up webinars to teach people your skills and knowledge.
Typically, you will need to build an online presence with a social media following to hold successful workshops.
27. Trade Stocks
Trading stocks can be a lucrative way to make quick money, but it is essential to understand the risks involved.
With the help of online market trading platforms, anyone can start to trade stocks with a minimum amount of money.
Learning how fast you make money with stocks, but realizing you need to learn to trade stocks is like going back to school for a stock trading education.
Although trading stocks has the potential to generate quick money, it is important to note that all trading involves risk and that you should only invest what you can afford.
28. Become a courier
Being a courier is a great option for flexible income, as they allow you to set your own hours and work as much or as little as you’d like.
Think outside the box of UberEats or Instacart. This would likely be for a local business that needs to move documents from location to location.
You will need to be reliable and trustworthy.
29. Deliver Pizza
Even today, this is a classic gig to make quick money by delivering pizza!
Businesses are desperate for workers, so finding a job should be fairly easy. However, be prepared to work more than one day.
30. Repurpose your skills
Those skilled in writing, graphic design, coding, bookkeeping, or any other number of computer-based skills, can use these sites to find freelance jobs that require their skills.
Additionally, those with knowledge or experience in a particular field can create and sell an online course via a platform like Teachable or Podia.
Too often, we overlook the things that we are the best at, yet repurposing your skills us a great wat to make money.
31. Dog groomer
The income potential as a dog groomer is considerable.
According to the American Pet Products Association (APPA), pet owners spent $136.8 billion on their pets in 2022.
Dog grooming is a easy way to make money.
Over to pick up dog poop and you can double how much money you make.
32. Sell your unwanted items
Selling unwanted items on eBay and Amazon can be a great way to make quick money.
By scouring online retailers, local thrift stores, and yard sales for hidden treasures, individuals can find consumer goods for cheap and then resell them for extra profit.
Selling on Amazon also provides an opportunity to source products for fulfillment.
Additionally, apps like LetGo, OfferUp, and Facebook Marketplace make it even easier to make extra money, as people jump on items quickly.
For those with a strong entrepreneurial spirit, buying items at a low price and then reselling them at a higher price can generate a decent side income.
33. Sell Printables
If you’re creative, you can create and sell digital products like ebooks, courses, templates, and graphics.
Digital downloads are also becoming increasingly popular, as they require no shipping or fulfillment costs and you can easily make them once and sell them hundreds of times over. Depending on the craft and the demand, your potential earning potential can be quite high.
In fact, selling printables is a popular summer jobs for teachers!
So why not give it a shot? With the right strategies, you could start making a few hundred dollars a month with very little effort.
34. Crafts and handmade goods
One of the best ways to make money quickly is by selling crafts and handmade goods on websites like Etsy.
From jewelry and candles to sourdough bread to quilts and custom T-shirts, there is a huge variety of items that you can make and sell. You can also design and sell custom stationery, pillows, tote bags, coasters, cosmetics, and more.
35. Dropshipping
Dropshipping is an online business model that allows entrepreneurs to start an online shop without having to keep a product in stock. Instead, a business makes a sale and then passes the order along to a third party, known as the dropshipper, who ships the product directly to the buyer.
Dropshipping is a great way to make money quickly, as it requires minimal upfront investment and overhead.
With dropshipping, you can add products to your store without having to buy them in bulk, and you don’t need to worry about shipping or fulfilling orders.
36. Affiliate Marketing
Renting out your property can help you make quick money in one day by taking advantage of the services offered by websites like Airbnb.
Affiliate marketing is a way to earn money by promoting other companies’ products or services. You can do this without a website, by sharing affiliate links on social media, a blog, online forums, post comments, and with friends or family.
When someone buys a product or service via unique affiliate link you provide, you get paid a commission.
It is possible to make money quickly if you have a social media following or a website, as you can start promoting all sorts of companies, products, services and offers online.
37. Work for tips
Making money quickly by working for tips may sound intimidating, but it is actually very achievable with a bit of hard work and determination.
Tips are normally paid in cash, which is exactly what you need.
Jobs that pay tips:
Waitstaff
Bartender
Bellman
Drivers
Casino dealer
Golf caddy
Babysitters
Also, many jobs that pay weekly work for tips.
38. Rent out your property
These services allow you to rent out a room, a condo, or your own home if you’re away on vacation.
Airbnb has revolutionized the hotel industry by allowing everyday property owners to lease their place to travelers. By creating an account and listing your property, you can immediately start earning passive income.
With the right location, you can create a steady stream of income that can help you make quick money in one day.
39. Join a MLM
Joining a Multi-Level Marketing (MLM) company is one of the most popular ways to make money these days. With an MLM, you can potentially make a lot of money by building a team and earning commissions from their sales.
But you need to be careful and do your research to make sure it’s an opportunity worth pursuing.
MLMs can be profitable, but it can take a lot of time and effort to get them off the ground and make them successful. You need to be prepared to take the time to build your team, train and support them, and provide them with the resources they need to succeed.
Personally, I have tried making money with an MLM and found out that it was not worth the time or effort.
40. Collect and sell scrap metal
Collecting metal items such as old swing set parts, metal toys, and other bits of metal can be sold at scrap yards or redemption centers for a small sum of money.
Iron, steel, aluminum, brass, and copper are the most commonly traded types of scrap metal, and the prices vary depending on the type and amount of metal.
This is a simple way to make money if you put in the resources. Just don’t steal metal because that can get you in severe trouble.
41. Deliver for Food Delivery Apps
This industry is booming with no signs of slowing down. You can easily make $100 a shift by delivering food!
Sign up for driver-friendly apps such as Instacart, DoorDash, and Uber Eats. These apps allow you to set your own hours and work as much or as little as you’d like.
Make sure you have an insured car, truck, bike, scooter, or motorcycle. Depending on what you choose to use, certain apps may have different requirements.
Go to the restaurant and pick up the order. You’ll be paid a flat delivery fee, an additional fee per item ordered, and 100% of the tips customers choose to give you.
Deliver the food to the customer.
Get paid instantly, usually within the same day.
Maximize your earnings by delivering for multiple apps at once. This will give you access to more orders, and a larger area to deliver in.
42. Become A Virtual Assistant
Virtual assistants are in demand right now.
Consider becoming a virtual assistant with no experience to help small businesses with tasks like scheduling appointments and managing emails.
Typically, small businesses are looking for someone to take a short-term 3-month stint or a long-term relationship.
If you have marketable skills, you will make an outstanding virtual assistant.
43. Cook and deliver food
Cooking and delivering food can make you money in one day, especially since the demand for convenient delivery is increasing.
If you are cooking food on your own, you need to check with your local state and city regulations to see if you are allowed to sell food from a home kitchen. These food regulations are tough, so make sure you comply with these regulations.
However, many busy families are looking for a personal chef and are willing to pay for the service.
44. Trade-In Programs
Trade-in programs are a way for people to get quick money by selling their old phones, tablets, and other electronics. These programs give customers the opportunity to receive cash or gift cards in exchange for their unwanted devices.
You can trade in your own unused or unwanted electronics or for neighbors who don’t want to deal with the hassle themselves.
When selling through a trade-in program, customers are usually asked to provide a description of the device and its condition. The amount of money received depends on the device and its condition.
Plus you are helping the environment by keeping old devices out of landfills.
45. Become a social media influencer
If you have a large following on social media, you can make money by becoming a social media influencer and promoting products or services.
There are a number of ways to make quick money as an influencer. You can promote products or services by posting about them on your social media account.
Obviously, you must thrive using social media.
46. Flipping items on Poshmark
Making money on Poshmark by flipping items can be a great way to make cash.
You can find items to resell from big box retailers, online retailers, local thrift stores, yard sales, flea markets, eBay, Facebook Marketplace, and Craigslist. Potential items you can flip for profit include brand-name sneakers, clothing, and purses.
You should also figure out which items sell the quickest and for the most money.
Poshmark also has a “bundling” function which allows you to group similar items together for a discounted amount. This is a great way to make more money as you can sell multiple items in one go.
This platform allows followers, so it is easy to build return buyers.
47. Start a small business or side hustle
Small businesses and side hustles can be a great way to make money quickly. Consider your skills and interests and start something that can help you turn a profit.
No matter how you do it, starting a business can be a great way to make money and meet new people.
Building your side hustle to a full-time income will not happen overnight, but you will make progress with hard work and dedication.
48. Take advantage of Swagbucks
Swagbucks is an online rewards and survey platform that provides numerous opportunities to make money.
With Swagbucks, you can earn money by completing surveys, watching videos, playing games, and even shopping online. With each task, you can earn anywhere from $0.40 to $2.00 in SB points which can be redeemed for cash back or gift cards.
Plus, when you sign up, you get a $10 bonus and can even get 500 SBs for referring a friend.
49. Tutoring
Tutoring is a great way to make quick money while using your knowledge and expertise to help others. It involves providing instruction to an individual or a small group on a particular subject, usually to help them improve their understanding.
Tutors can work with students in person or online, depending on the subject and their availability.
No matter your educational background, you can make money tutoring as long as you have a deep knowledge of a subject. With the right resources and platform, you can find tutoring gigs in your area and start making quick money today.
50. Make money with your phone
Making money with your phone is possible with a little bit of effort. You can sign up for apps to complete small tasks and earn money quickly.
Alternatively, there are plenty of mobile apps such as Ibotta, Rakuten, Shopkick, Swagucks, or Receipt Hog which can help you make some extra money with simple tasks.
You can also take on odd jobs through apps like TaskRabbit to make cash.
Finally, you can trade stocks on your phone.
There are so many ways to make money with your phone today.
FAQ
Yes, it is possible to make passive income. This type of income is earned with little effort or direct work.
It can come from investments such as returns and dividends, as well as from sources like stocks, rental properties, and online businesses.
With some creativity and diligence, anyone can create multiple sources of passive income. It may take months or even years to build up these streams of income, but the potential rewards are worth the effort.
Many of the statistics are leaning on the fact that you need a side hustle to make ends meet or get ahead financially.
I started a side hustle to make money to afford what we wanted to do. Personally, my side hustles are blogging and day trading stocks.
The best side hustles are the ones that you are passionate about. More than likely, you will be spending time on them in your free time, so you want to enjoy them.
Regardless of what type of side hustle you choose, you can make extra money on the side. To maximize your earnings, you can even combine several different side hustles together to create multiple income streams.
I always say, if I can make $100 a day, then I am making $3000 a month. That will make a difference in my personal finance situation.
Before you can make $100 a day, you need to find out how you will make money. Look for opportunities that match your skills and interests. Some examples of this include driving for Uber, selling your skills on freelancing sites, creating an online store, or even starting your own blog.
Learn how to invest 100 to make 1000 a day.
When looking to make $1000 fast, you need to up your game – specifically, the time and energy to make your goal happen.
You could start by looking for high-paying side hustles such as trading stocks or options, becoming a freelance writer, setting off as a virtual assistant, or by selling products online.
The key is to make $1k a day consistently. Then, you will be working on how to turn 10k into 100k.
Which Quickest Way to Make Money in a Day Will You Choose?
There are many ways that you can make quick money in one day.
Whether you want to start a side hustle, do some odd jobs, or make money online, which option is best for you?
Whichever option you choose, make sure that you choose something you will enjoy doing as well as the quickest way to make money.
We covered fifty options to make cash and start making extra money today!
Which one is your favorite?
Mine are trading and writing. Comment below on which method you will choose.
Know someone else that needs this, too? Then, please share!!
I was 10-weeks pregnant and craving pizza while on vacation in Germany. We picked a well-reviewed restaurant, only to be told that no tables would be available that night. My husband, who meant well, suggested we try our luck at a different restaurant a few doors down. But it didn’t serve pizza, and for me at that moment, nothing but pizza would do.
So, naturally, I burst into tears.
Thankfully, we swiftly found another option and my highly specific food craving was satisfied. But traveling while pregnant is tricky, assuming it’s safe for you to do so (always talk to your doctor or midwife first). Not only might you be dealing with nausea, fatigue, food cravings you may not be able to accommodate in other countries, and other maladies, but also some travel activities can be unsafe during pregnancy.
I traveled a few times while pregnant, both for work and leisure, leaning on a few helpful credit card perks to make the experience as comfortable as possible. Your card’s benefits could smooth the way to a less chaotic, and more enjoyable, travel experience.
3 times credit card perks make it better
When booking travel: Insurance and seat upgrades
Travel protections like trip cancellation insurance can come in handy if you need to back out of your trip due to a covered reason, like illness. Note that what counts as a “covered reason” can vary by card, and some situations related to pregnancy may not be covered. This can include travel after a certain week in your pregnancy, or if you become pregnant with multiples before booking travel. Review what your card does and doesn’t cover, and consider additional travel insurance if needed.
Thanks to big sign-up bonuses, airline credit cards speed up the time it takes to earn a substantial number of miles. Booking flights directly through airlines with those miles can give you an out if you need to cancel your trip. Some airlines will refund your miles with no fees if you back out, even close to your travel date.
If you’re accustomed to toughing it out in the back of the plane, this might be a good time to cash in miles earned from airline cards on a seat upgrade. A dangerous health issue to avoid is deep vein thrombosis, a blood clot that can travel to your lungs. Your risk of DVT increases in pregnancy. “More spacious seating with increased mobility could decrease lower extremity swelling and venous stasis, which can increase the risk of DVT,” Dr. Meghan Zysik said in an email. Zysik is an attending obstetrician and gynecologist at Albany Medical Center, part of the Albany Med Health System in Albany, New York.
At the airport: Ditch the luggage and lines, embrace the lounges
The times I traveled alone, I didn’t want to hoist my carry-on bag into the overhead compartment, and there’s never a guarantee a kind stranger will offer to help (especially if you aren’t visibly pregnant yet). With airline cards, you typically get a free checked bag, saving you $60 in bag fees per round trip flight. “Everybody has to pay attention to their body,” says P. Fadwah Halaby, a certified nurse midwife in West Palm Beach, Florida. “Don’t lift it if it feels like it’s going to hurt.” Halaby recommends limiting lifting any bags weighing more than 25 pounds.
Now that you can move through the security line unencumbered by baggage, don’t let that statement credit for TSA PreCheck or Global Entry go unused. Not only is this benefit worth at least $78 in value, but it’ll also get you out of line, and off of your feet, faster. “Prolonged standing can lead to physical discomfort and worsen lower extremity swelling,” Zysik said. “Take the time saved with PreCheck to eat a meal, sit, and rest or doing calming routines such as meditation.”
A perfect place to do all those things is an airport lounge, which some travel cards grant you free access to.
During the trip: Hotel freebies and away-from-home medical care
Your credit card company may offer referrals to local medical providers if you need assistance during your trip. This can include providing names of English-speaking doctors and hospitals, and even helping you stay in contact with your family. You’d have to pay any out-of-pocket costs for these services, but you’ll get help during a stressful time.
Hotel credit cards come packed with extras to make your stay more relaxing. One of my cards earned me status, granting free access to a lounge at our hotel in Berlin that provided breakfast, happy hour and all-day snacks. You can also get a few more hours of rest with late checkout, another benefit of cards that give you automatic status at hotel brands.
Take reasonable precautions
Before heading out of town, talk with your doctor or midwife because some medical conditions during pregnancy may increase your risk of health complications. Certain activities are off limits, like scuba diving. Your medical provider can also recommend medications that can ease pregnancy symptoms.
And, of course, they may insist you refrain from travel entirely. “You have to use common sense. It really needs to be said,” Halaby says. “Do you have a diagnosis? Are you being treated for something in particular that may or may not be good for traveling?” If any of that is the case for you, a relaxing staycation may be the more medically sound option.
This article was written by NerdWallet and was originally published by The Associated Press.