Lauren McCee is a licensed life insurance professional and the founder of SafeCoverageGuide.com. With years of experience in the industry, she created this site to help everyday families understand life insurance—without the sales pitch. Her mission is to break down confusing topics into simple, real-life guidance you can actually use. When she’s not writing, Lauren is a mom of two and passionate about helping others protect what matters most.
Planning for the end of life is never easy — but it’s one of the most responsible, loving decisions a senior can make for their family. Burial insurance, also known as final expense insurance, is designed specifically to ease that burden. It helps your loved ones cover: And in 2025,… Read More »Best Burial Insurance Plans for Seniors in 2025
Being a single parent means you wear every hat — provider, protector, teacher, comforter, and decision-maker. But there’s one critical thing many single parents don’t think about until it’s too late: ❗ What happens to your child’s future if something happens to you? Life insurance isn’t just smart — it’s… Read More »Best Life Insurance for Single Parents in 2025
It’s one of the worst emails you can get: “Your life insurance application has been declined.” Instant panic. Embarrassment. Frustration.But here’s the truth:✅ Yes, you can be denied life insurance — but it’s not the end. And in most cases, there’s still a path forward. This guide will break down:… Read More »Can You Be Denied Life Insurance? What to Do Next
You run your own business. You set your own hours. You’re a freelancer, entrepreneur, or self-employed powerhouse. But here’s the question: What happens to your family or business if something happens to you? When you’re self-employed, no one else is protecting your income, your clients, or your family’s future. That’s… Read More »Affordable Life Insurance for Freelancers & Self-Employed: The 2025 Guide
High blood pressure affects nearly 1 in 2 adults in the U.S. — but most people have no idea how it impacts their life insurance options. Here’s the truth: ✅ You can still get great life insurance — even with hypertension. But the rates, approval process, and policy type depend… Read More »Life Insurance for High Blood Pressure: What You Need to Know
If you’ve had a heart attack, you might be wondering if life insurance is still an option for you — or if you’ve been disqualified forever. Good news: you can absolutely get life insurance after a heart attack. The real questions are: This guide breaks down everything you need to… Read More »Can You Get Life Insurance After a Heart Attack?
When most people think of life insurance, they imagine something that only helps after they’re gone. But what if your life insurance could help while you’re still alive? That’s where living benefits come in — and in 2025, more and more people are waking up to this powerful (and often… Read More »Best Life Insurance with Living Benefits in 2025
Living with diabetes doesn’t mean life insurance is out of reach. In fact, thanks to medical advancements and more flexible underwriting, many life insurance companies now offer affordable coverage for people with Type 1 or Type 2 diabetes — without punishing premiums or flat-out denials. But here’s the thing: not… Read More »Best Life Insurance Companies for Diabetics (2025 Guide)
Most people get life insurance to protect their family after they’re gone.But very few actually know what happens when they pass away. Does the insurance company just write a check automatically?How long does it take?What could cause delays? Here’s exactly what happens to your life insurance policy when you die… Read More »What Happens to Life Insurance When You Die? (The Payout Process Explained)
When shopping for life insurance, you might see something called Accidental Death & Dismemberment (AD&D) coverage and think: “Wait… isn’t that just life insurance?” Not quite. While they may sound similar, life insurance and accidental death insurance are very different — and mistaking one for the other could leave your… Read More »Life Insurance vs. Accidental Death Insurance: What’s the Difference?
If you’ve ever wanted life insurance but felt overwhelmed by paperwork, medical exams, and long waits — there’s a faster, easier option out there. It’s called simplified issue life insurance, and it’s one of the easiest ways to get covered without needles, nurses, or months of back-and-forth. Let’s break down… Read More »What Is Simplified Issue Life Insurance? (No Exam, No Stress)
Being a single mom is a job like no other. You’re the provider, the protector, the cheerleader, and the emergency contact — all rolled into one. You juggle school pickups, bills, bedtime routines, and late-night worries… while holding it all together for your kids. But let’s talk about one thing… Read More »Life Insurance for Single Moms: Protecting Your Kids, Even If You’re on Your Own
Let’s be real:For too long, women have been underinsured — and often overlooked — when it comes to life insurance. Despite being the backbone of their families, contributors to household income, caregivers, and decision-makers… many women still go without financial protection. So today, we’re changing that. Let’s talk about: 📉… Read More »Why More Women Need Life Insurance — And Why So Many Still Don’t Have It
If you’ve ever dealt with anxiety, depression, or other mental health challenges, you’ve probably asked yourself: “Will I still qualify for life insurance?” The short answer:Yes — but it depends. Mental health doesn’t automatically disqualify you.But it does influence your application — and how you answer those questions matters. Let’s… Read More »Can You Get Life Insurance If You Have Anxiety or Depression?
Let’s be honest — it’s a question no one wants to ask… but it matters. Whether you’re concerned about a loved one’s policy or you’re struggling with your own mental health and want to protect your family — you deserve a straight answer. So here it is: Yes, life insurance… Read More »Does Life Insurance Cover Suicide? The Truth No One Talks About