• Is It Hard To Get Life Insurance If You Have High Blood Pressure?

    Question – I have high blood pressure. Will my life insurance premiums be more expensive because of that? Answer: One of the most common afflictions that people face is high blood pressure. In fact, there are 10s of millions of people who are diagnosed with high blood pressure. When applying for a life insurance policy, most… Continue reading

  • How Can Divorce Affect My Life Insurance Policy?

    If you are going through a divorce, one of the things that you may think about is how your divorce can affect your insurance choices such as your health insurance policy and your life insurance policy. You are right to question this as a substantial life change such as a divorce will bring about the… Continue reading

  • What Is a Waiver of Premium Rider?

    A waiver of premium rider pays all life insurance premiums due if the insured person becomes disabled. A waiver of premium rider is an optional benefit on many term life insurance policies, and may also be available on permanent forms of insurance coverage. This is one of the most popular life insurance riders. The waiver… Continue reading

  • What is a Guaranteed Insurability Rider?

    A guaranteed insurability rider, also called a GI rider, is a life insurance rider that allows the owner of a life insurance policy to buy additional life insurance with no underwriting.  A rider is an additional benefit to a life insurance policy beyond the death benefit.  Riders are sometimes added at a cost, or sometimes they may… Continue reading

  • Can I Save Money On Life Insurance If I Quit Smoking?

    Besides the obvious health and quality of life benefits, quitting smoking is also one of the best ways to save money on life insurance.  As anyone who smokes and owns life insurance can attest to, life insurance is extremely expensive for smokers.  So expensive, in fact,  that it can cost about five times more money for… Continue reading

  • What is Mortgage Life Insurance?

    Mortgage life insurance is a term life insurance policy meant to pay off a mortgage should one or both parties responsible for the mortgage perish.  The death benefit on mortgage life insurance will decrease over time, with the face value always being approximately equal to the payoff amount of the mortgage.  The decreasing death benefit… Continue reading

  • When Should I Buy Life Insurance?

    The answer from most financial advisers is an emphatic “always” when someone asks them if they should buy life insurance.  While they may be a bit overenthusiastic in their sales recommendations, the truth is that there are many events in a person’s life that will create a need for life insurance. The academic definition of… Continue reading

  • How to File a Life Insurance Claim

    A life insurance claim is a very easy process to go through from the perspective that they are very easy to file with the insurance company.  Though it can be a very emotional time on a personal level, modern laws and fear of bad press mean that major life insurance companies make the process very… Continue reading

  • How to Improve Your Life Insurance Rating

    Going through life insurance underwriting can be a daunting prospect for some prospective clients.  You may be nervous, unsure of what to expect, and there is a lot of confusion about what the life insurance company is really doing with all your personal information.  You can take a deep breath and relax.  Life insurance underwriting… Continue reading

  • Which Agencies Regulate Life Insurance?

    Life insurance can be an expensive investment. Like most prudent investors, you want to make sure your investment is secure. You purchase life insurance to financially protect your loved ones after you pass away. But who protects your investment? Who regulates life insurance companies? Continue reading below to learn everything you need to know about… Continue reading

  • How To Get A Life Insurance Illustration

    Obtaining a life insurance illustration is free and easy.  This is especially true for level term life insurance, which does not require anything but some basic information in order to quote a premium amount.  A full illustration for other types of life insurance (whole life, universal life, or variable universal life) can only be run… Continue reading

  • Does it Matter Which Life Insurance Company I Choose?

    The answer to this depends upon the type of policy you need.  Let’s be honest, most people don’t want or need to speak with their insurance companies on a regular basis.  The most important feature of a life insurance company is being financially able and willing to provide the protection guaranteed in the life insurance… Continue reading