Why Smoking Increases Life Insurance Rates and How to Get Around It There’s no question that life insurance rates increase if you’re a smoker. What you might have a question about, however, is why. Here are three reasons smokers pay more, and a few ideas on how to get around those higher rates. Reason 1: […]
Four Ways to Buy Life Insurance When it comes to buying a policy from the best life insurance companies, there is no shortage of resources for consumers to use. Whether you want to buy from a real agent, buy from the comfort of your own home, or from your employer, the choice is yours. While […]
Considerations when Picking a Beneficiary When you designate the beneficiary of your life insurance policy, you have many people to choose from. Whether you want the proceeds to go to your spouse, children, parents, siblings or all of the above, there are some significant considerations to make. Your Spouse as Beneficiary Often, the spouse seems […]
Important Reasons You Should Always Have a Life Insurance Policy Life insurance is something that too few people have today. A possible reason is that it is not always comfortable thinking about end-of-life issues or expenses. The reality is that this type of insurance can make a real difference in the lives of the people […]
Choosing The Right Life Insurance Policy Life insurance is designed to provide a beneficiary with a sum of money upon a policyholder’s death. The sum is based on the contract between an insurance company and the policyholder as well as the amount of premiums paid. A life insurance premium can be paid on a regular […]