How Quitting Smoking Can Help You Save on Life Insurance

Break this bad habit and unlock life insurance savings. When you apply for life insurance, one of the first things the insurance company will ask about is whether or not you smoke or use tobacco products.  Smoking, chewing tobacco, and using other nicotine products are a concern for life insurance companies because they increase your chances of life-threatening health risks significantly.  As a result, life insurance companies will charge you much higher premiums than nonsmokers.  This is why, Read More

What to Know About No-Exam Life Insurance

Did you know you could secure life insurance without a medical exam? When you secure a regular term life insurance policy, you will have to complete a medical examination that includes a health questionnaire, lab tests, and statements from your physicians.  However, many people think this process is too time-consuming and, as a result, they fail to secure life insurance coverage.  To entice people to secure this essential form of insurance, some carriers have started offering life insurance Read More

What to Know About Combination Insurance Policies

Policies that combine long-term care and life insurance coverage. Long-term care insurance is designed to help you cover the expenses associated with a chronic or ongoing medical condition.  For instance, this insurance can help you pay for stays in a nursing home or cover the cost of home healthcare services.  However, many people are wary about securing a long-term care policy because they aren't sure if they will need it.  Fortunately, there are new insurance policies that combine long-term Read More

Steps to Take After You’ve Been Denied Life Insurance

What happens if your life insurance application was denied? No one expects their life insurance application to be denied; however, this is a definite possibility.  Typically, this happens because the insurance provider considers you too risky to insure.  However, getting denied doesn't mean that this is the end of the road.  Here are some of the steps that you can take after your application is denied. Collect Information As insurance companies consider life insurance applications, they Read More

How E-Cigarette Usage Affects Life Insurance Costs

Does vaping affect your life insurance? When determining your premiums, life insurance providers will consider many personal factors.  Not only will they look at your current state of health, but they will also take into account any habits that they consider dangerous.  One of the unhealthy habits that will affect your life insurance costs is smoking.  But does using e-cigarettes to vape affect your rates the same as smoking traditional tobacco products?  Here's what you need to know. How Read More

What are the Best Life Insurance Options for Seniors?

Life insurance policies that seniors should consider. While many seniors feel comfortable forgoing life insurance, others are interested in securing this financial protection.  If you are a senior looking for life insurance, you may not know which options are best for you.  Here are some of the policies that may be a good fit for your needs. Term Life Insurance Term life insurance policies are a great option for seniors who are in good health because they require a medical exam.  These Read More

Why it Pays to Have Whole Life Insurance

Why whole life insurance may be right for you. While most people understand the need to secure life insurance, they do not know about their various coverage options.  When it comes time to secure life insurance, one of the first things that you will have to decide is whether to go with term or whole life insurance.  Term life is the more common option of the two, but there are certain benefits to securing a whole life policy.  Here are the advantages of whole life insurance coverage. Read More