- If I start Smoking After I Buy Life Insurance Do My Rates Go Up?
- What Is The Best Life Insurance For Smokers?
- What Happens When Your Life Insurance Beneficiary Dies Before You?
- Is Mutual of Omaha Good for Life Insurance?
- Can an Ex-Spouse Collect Life Insurance Money?
- Is Pacific Life Good for Life Insurance?
- Will Life Insurance Pay If Drunk Driving Was the Cause of Death?
- Can You Get Life Insurance on a Pet?
- Does Vaping Affect Life Insurance Rates?
- Can Life Insurance Make You Rich?
- Can You Buy Life Insurance Overseas?
- Is SoFi Good for Life Insurance?
- Does Life Insurance Pay If You Die Overseas?
- Do You Need Good Credit To Buy Life Insurance?
- What happens if you lie on a life insurance application?
- Can you convert permanent life insurance to term life?
- What is the most life insurance you can buy?
- Are you required to make your kids your life insurance beneficiaries?
- What is First To Die Life Insurance? Is It Different From Joint Life Insurance?
- Can You Get Life Insurance If You Are HIV Positive?
- What’s A Buy/Sell Life Insurance Agreement?
- What Is An Estate Protection Rider?
- Does Your Driving Record Affect Your Life Insurance Premiums?
- Can I Buy a Life Insurance Policy For My Grandparents?
- What is the Difference Between Voluntary Life Insurance and Standard Term Life?
If you already own a life insurance policy, and the policy was issued to you as a nonsmoker, if you start smoking it will not increase your prices. You do not need to worry about this affecting your life insurance policy in any way. The life insurance company can not contest a claim, and they… Continue reading
Tobacco users sometimes have a difficult time finding affordable life insurance coverage. The cost of life insurance can be more than 5 times higher for smokers than it is for nonsmokers. The problem can be compounded when smokers are also in bad health, especially from smoking-related diseases such as high blood pressure or emphysema. Term… Continue reading
Life insurance is intended to provide your loved ones with some support when you pass away. Your life insurance benefit is typically used to cover expenses like funeral costs, paying off debts, and providing financial support for dependents. When you take out a life insurance policy for yourself, you’ll name your beneficiaries – the people… Continue reading
Mutual of Omaha is a respected financial institution known for their life insurance policies. They are based in Nebraska and offer policies throughout the US. They have been in business since 1909 and gained a lot of attention in the mid-60s when they sponsored the network television show Mutual of Omaha’s Wild Kingdom. With so… Continue reading
Life insurance is often put in place to protect spouses if their partner passes away. After all, they often end up responsible for the funeral costs as well as settling remaining debts, which can be expensive. A partner can also miss out on the remaining earning power of the deceased, and struggle to retire. A… Continue reading
When it comes to life insurance, you have a vast range of options available. It can be challenging to narrow down the best policy for your needs. Pacific Life is one of many prominent insurance companies that offer both term and permanent life insurance policies. In this review, we’re going to dive into Pacific Life’s… Continue reading
Life insurance is intended to provide your loved ones with financial stability if you were to pass away. However, there are many loopholes and conditions that could potentially nullify your insurance payout, leaving your family without the money they need to cover your funeral expenses. One of the most notorious of these is drunk driving.… Continue reading
Obtaining life insurance for your family is common. It is important for you to purchase a life insurance policy in order for your family to receive benefits if you were to pass away or become ill. There are even some situations where people can purchase life insurance for their children in order to secure low-cost… Continue reading
Life insurance companies have two separate health classifications based upon whether you are a smoker or not. Smokers in general pay more money than their nonsmoking counterparts. Smoking in the past meant that you would smoke tobacco cigarettes with leaf tobacco, which could lead to lung cancer down the road and ultimately cut your life… Continue reading
Before discussing how life insurance can financially boost your life, and the life of the beneficiary of your policy, it is important to understand what the purpose of life insurance truly is. Term life insurance is meant to provide temporary financial protection against a death, for a low cost to the owner. Permanent life insurance… Continue reading
Moving internationally is very exciting, but it can also come with many unique challenges to face. Regardless of where you live, it’s important to have life insurance in place to protect you and your family. A good life insurance policy will cover your burial and memorial costs, as well as pay off your debts and… Continue reading
SoFi is a finance company that’s known for its efficient, modern approach to everything they do. Although SoFi has become very well known for its loans and investment tools, they also offer life insurance. SoFi aims to make getting life insurance less of a hassle and more affordable. They partner with an insurance company called… Continue reading
If you’re a frequent traveler, you may be wondering if your life insurance will still pay out if you die while traveling abroad. The answer is complex and depends entirely on the terms of your life insurance policy. Here’s what you need to know about traveling abroad and how that affects your life insurance coverage.… Continue reading
Your credit score can affect many of the major purchases you make in life, from renting a home to buying a car – and even buying insurance. Your credit can affect the cost of various types of insurance you buy, but it depends on what type of insurance you’re buying and what company you’re buying… Continue reading
Before purchasing a life insurance policy, you will need to fill out a lengthy application with the insurance company. This application will cover many different aspects of your life, including your health, your finances and career, and your criminal history, just to name a few things. The life insurance company will use this information to… Continue reading
Permanent life insurance policies are intended to provide coverage for as long as you need it, while term life insurance policies are only valid for a specific period of time. While permanent life insurance plans provide more coverage, they also have much more expensive monthly premiums. If you are on a budget and you are… Continue reading
We all wonder what will happen after we’re gone, and thinking about this can be quite stressful. Luckily, buying life insurance can give you some peace of mind for when this difficult situation eventually arises. Life insurance gives your family money to use to fund your funeral, pay off your debts, and support their lifestyle,… Continue reading
Life insurance can be confusing, particularly when it comes to choosing your beneficiary. One of the most common questions about life insurance beneficiaries is whether they have to be your kids, or if you can choose someone else. The short answer is no, you are not required to list your children as your life insurance… Continue reading
When looking at life insurance options for you and your family, you may want to consider getting a policy that covers both you and your spouse. There are many benefits to getting this type of policy, but choosing the right one for your needs can be overwhelming at times. There are a variety of terms… Continue reading
Most life insurance companies base their premiums off of how much of a risk they believe you to be. When you have health problems, your premiums are going to be higher – or the company might deny you coverage altogether. This can be very frustrating and concerning if you have a chronic health condition like… Continue reading
For many business owners, the company they’ve created is like their child. It’s something they’ve nurtured for years and feel responsible for. And since you wouldn’t leave your child without support if you were to pass away, you don’t want to leave your company high and dry either. One of the ways you can do… Continue reading
When putting together your life insurance plan, there are many ways you can customize it to make it appropriate for your personal situation. One of these is an estate protection rider. An estate protection rider is designed to offset any estate taxes that your family might incur if your life insurance is considered part of… Continue reading
When shopping for life insurance, you may be wondering if your driving record and other aspects of your personal history can affect the cost of your premiums. The answer is yes – life insurance companies do look at your driving record when determining your premiums. Their reasoning is that your driving habits indicate how much… Continue reading
As your grandparents are growing older, you may be wondering if you can purchase a life insurance policy for them. Whether they do not have it themselves or you simply want to add on additional policies, it is important to ensure that they are covered in case they are to pass away. The simple answer… Continue reading
Voluntary life insurance is a form of term life insurance that is offered through employers. Employers offer voluntary life insurance to ensure that employees have the opportunity to purchase the amount of insurance needed at a group rate. All groups that offer voluntary life insurance also offer basic term insurance that is normally paid for… Continue reading