When will You Qualify as a Nonsmoker for Life Insurance?

By |May 29th, 2015|

It is great if you stop smoking this year, however don’t assume to be eligible for the finest life insurance prices yet.

Most life insurance providers still regard you a smoker. Hold on, though — better rates are in the offing should you quit the habit for good.

Typically candidates should have refrained from smoking cigarettes for […]

Do You Have Enough Life Insurance? 78% of Americans Do not.

By |April 27th, 2015|

Life insurance is usually last on the list of important-but-necessary items people want to spend money on, because, let’s face it, no one wants to dwell on the circumstances in which it could come in handy. Now, in the wake of the Great Recession, people have even less insurance than before, which leaves families unprepared to […]

How To Get Life Insurance If You Have a Medical Condition

By |April 23rd, 2015|

It’s no secret: The younger and healthier you are, the better the life insurance quotes you’ll find. Companies typically group buyers into one of several rates classes based on their health and the risk they represent.

The healthiest shoppers receive preferred rates — the best available. Most people qualify for standard rates, but some with serious health […]

Life Insurance Sales Pitches That Should Make You Suspicious

By |December 15th, 2014|

If you have a family that relies on your income and a mortgage, life insurance is a crucial part of a financial plan. A life insurance policy’s death benefit ensures that your spouse and children can pay off debts and plan a future without your income. And buying a term life policy — which pays […]