Disclaimer

The information on this website is provided for general educational purposes and should not be treated as legal, tax, investment, medical, or financial planning advice.

Insurance By Heroes is an independent insurance agency. We help consumers compare life insurance options, but final eligibility, approval, rate class, premiums, policy terms, exclusions, riders, and benefits are determined by the insurance carrier.

No Guarantee of Coverage or Rates

Any rates, examples, estimates, approval discussions, or underwriting scenarios on this website are for general informational purposes only. They are not guarantees.

Actual offers may vary based on factors such as:

Age.
Gender.
State of residence.
Health history.
Medications.
Tobacco or nicotine use.
Occupation.
Hobbies and travel.
Financial underwriting.
Carrier rules and product availability.

Medical and Health Information

Some articles discuss health conditions, medications, or underwriting considerations. This information is not medical advice and should not replace advice from a physician or other qualified health professional.

Insurance underwriting considers medical information differently than clinical care. A health topic may be discussed only to explain how life insurance companies may evaluate risk.

Policy Terms Control

Policy language, carrier disclosures, state approvals, underwriting rules, exclusions, contestability provisions, and rider terms control the actual coverage provided. Before purchasing a policy, review the carrier's policy documents and ask questions about anything you do not understand.

Availability

Availability of insurance products varies by state. Insurance By Heroes is not available in New York.

Contact

If you have questions about a specific quote, policy, or underwriting situation, contact Insurance By Heroes at 443-214-3500 or [email protected].