Insurance Blog

TL;DR: Having a pre-existing condition like diabetes, cancer, or heart disease doesn’t mean life insurance is out of reach. This guide from Trinity Insurance Partners explores your best options for securing coverage in 2025—including what insurers look for, how to improve your chances of approval, and where to find affordable policies tailored to high-risk health profiles.

TL;DR: If you work in a high-risk occupation—like construction, firefighting, law enforcement, aviation, or mining—your job could affect your life insurance options and premiums. This guide explains why insurers classify jobs as risky, how it influences coverage and costs, and how you can still find affordable, tailored life insurance with the help of experts like Trinity Insurance Partners.

TL;DR: Curious about how your 23andMe results or DNA screening could impact life insurance? While genetic testing offers personal health insights, it may also affect how insurers evaluate risk. This guide from Trinity Insurance Partners explains what you need to know about laws, privacy, and underwriting in 2025—and how to protect yourself when it comes to genetic information and life insurance applications.

TL;DR: Parents often prioritize their children in every decision—life insurance should be no exception. This guide outlines why parents need life insurance, how to choose between term and whole life coverage, how much is enough, and how to align it with long-term family goals. With expert insights from Trinity Insurance Partners, you’ll understand how to protect your family’s future with confidence.

TL;DR: Self-employed individuals need life insurance just as much as, if not more than, traditional employees—but getting the right coverage without employer benefits can be confusing. This guide breaks down the types of life insurance available, how to estimate the right amount, and ways to find affordable, flexible options tailored for freelancers, gig workers, and entrepreneurs.

TL;DR: Your lifestyle plays a major role in determining your life insurance premiums. Smoking, excessive drinking, high-risk hobbies, and poor health metrics can significantly raise your rates, while healthy habits like regular exercise and preventive care can lower them. This guide breaks down the key lifestyle factors that influence rates and offers actionable tips to improve both your health and your insurability.

TL;DR: Losing your job doesn’t mean you have to go uninsured. After job loss, you have several health coverage options: COBRA lets you keep your old plan (at a higher cost), ACA marketplace plans offer subsidized insurance, Medicaid covers low-income individuals, and you may qualify to join a family member’s plan. Each comes with its pros, cons, and deadlines. This guide walks you through them so you can stay protected during uncertain times.