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Life Insurance for Smokers

Life insurance providers charge smokers higher premiums when compared to non-smokers. When applying for a life insurance policy there are rates for smokers and non-smokers. Since smoking shortens our life expectancy and is bad for our health, insurance companies increase premiums as a result. Defining a Smoker Life insurance companies classify smokers as anyone who [...]

By | August 23rd, 2017|Categories: Insurance|0 Comments

5 Things About Life Insurance

1. If anyone relies on you financially… You need life insurance If you are a spouse or the parent of dependent children it is virtually mandatory to have life insurance. You may also require life insurance if you have an ex-spouse, life partener, a child of dependent parents, sibling of a dependent adult, an employee, [...]

By | August 10th, 2017|Categories: Insurance|0 Comments

Medical Exam – 5 Tips to Prepare

When applying for life insurance you need to make sure you are well prepared for the medical exam that is largely required in today’s market. You may be unaware of some tips that can help increase your chances of passing the medical exam. This article helps provide you with information regarding the medical exam process [...]

By | August 9th, 2017|Categories: Insurance Underwriting|0 Comments

Basics of Term Life Insurance

If you are researching which type of life insurance to purchase, you might be wondering what the difference between term life insurance and permanent (universal) life insurance are. This article is to briefly describe how a term policy works. If you have further questions regarding a term policy please feel free to contact us. Term [...]

By | August 9th, 2017|Categories: Term Life Insurance|0 Comments

Critical Illness – The Simple Facts

This article is to help provide you with insight on what critical illness insurance is, how the policies work, and how they should fit in your financial plan. No one has ever made plans to get sick, but if something unexpected happens, you can help yourself and your family by being financially prepared. Critical illness [...]

By | August 9th, 2017|Categories: Critical Illness Insurance|0 Comments

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