Split Dollar Life Insurance: Plans & Rules for 2026

What Split Dollar Life Insurance Actually Is Split dollar life insurance is one of those arrangements that sounds complicated until someone breaks it down in plain terms. At its core, it’s an agreement between two parties (usually an employer and employee, or a business and its key person) to share the costs and benefits of…
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High BMI Term Life Insurance: Rates and Options (2026)

Getting Term Life Insurance With a High BMI If you’ve been told your BMI is too high for affordable life insurance, or worse, that you’ve been declined, take a breath. That result came from one company with one set of guidelines. It doesn’t define your options. Insurance By Heroes was founded by a former first…
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Spironolactone for Acne: Life Insurance Impact (2026)

Spironolactone for Acne and Life Insurance (2026) If you’re taking spironolactone for acne and wondering whether that’s going to cause problems with a life insurance application, you’re probably more worried than you need to be. Most people taking this medication for acne can absolutely get coverage, and often at very competitive rates. The key is…
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Isotretinoin & Life Insurance: Instant Approval (2026)

If You Take Isotretinoin, You Can Still Get Life Insurance Fast You’re on isotretinoin (maybe you know it better as Accutane) and you need life insurance. Maybe you’ve been putting it off because you assumed the medication would be a problem. Or maybe you tried one company’s website, got stuck on a health question, and…
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Fire Chief Term Life Insurance Rates (2026)

Life Insurance for Fire Chiefs Starts With the Right Agency You’ve spent your career leading others into dangerous situations and bringing them home safe. But when it’s time to protect your own family financially, the process can feel uncertain. Fire Chiefs often wonder if their occupation will make life insurance unaffordable or if they’ll face…
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Isotretinoin and Term Life Insurance Rates in 2026

You’re Probably More Worried Than You Need to Be If you’re taking isotretinoin (sometimes known by its original brand name) and wondering whether it will wreck your chances at getting affordable term life insurance, take a breath. This is one of the most common concerns we hear, and the reality is far less scary than…
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Key Person Life Insurance Requirements in 2026

What Happens When Your Business Loses Its Most Valuable Person Every business has someone who keeps things running. Maybe it’s the founder with all the client relationships. Maybe it’s a lead engineer whose skills would take years to replace. Maybe it’s the sales director who personally drives 40% of revenue. If that person dies unexpectedly,…
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Financial Planner: Instant Approval Life Insurance 2026

You Already Know You Need Coverage As a financial planner, you spend your days helping clients build safety nets. You run the projections. You know exactly what happens to a family’s financial plan when the primary earner dies without adequate life insurance. And yet, plenty of financial planners put off getting their own coverage because…
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Convertible Term Life Insurance for 60-Year-Olds (2026)

Finding the Right Coverage at 60 Turning 60 and shopping for life insurance can feel like the window is closing. Maybe you got a quote from one company and the number made your stomach drop. Or maybe you were flat out declined and now you’re wondering if coverage is even possible. Here’s the truth. You…
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Coronary Artery Disease: Term Life Insurance in 2026

Coronary Artery Disease Term Life Insurance (2026) If you’ve been diagnosed with coronary artery disease, you’re probably wondering whether affordable life insurance is even possible. The honest answer is yes, but you’ll likely pay more than someone without a heart condition. How much more depends on several factors, and most of them are within your…
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