Life Insurance for Chewing Tobacco Users

If you want to make sure that your family and loved ones are cared for when you’re gone, then it’s vital to have life insurance. However, if you chew tobacco, the process of selecting a plan and an insurance provider can be relatively challenging.  In this article, we’ll go over the various pitfalls and considerations…
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The Pros and Cons of Cashing in Your Life Insurance Policy

Is it a bad idea to cash in your life insurance policy? Here are the pros and cons—-and everything else you need to know. Did you know that you can sell your life insurance policy for a lump sum amount?  You sure can. However, it’s important to point out that cashing in your life insurance…
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Life Insurance With Sleep Apnea

If you have a hard time falling asleep every night, you’re not alone. Sleep disorders and deprivation affect millions of Americans every year, and it appears that the problem is only getting worse. While there are multiple reasons for lack of sleep, one of the most destructive is sleep apnea.  According to recent research by…
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Breeze: 2019 Long Term Disability Insurance Review

Thinking of getting personal disability insurance but don’t know where to start? Here is our 2019 review of Breeze long term disability insurance. Here are some quick facts regarding disability for employees in the US: 1 out 4 Americans will experience some form of disability before retirement Only 34 percent of the total working population…
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The Different Types of Disability Insurance

Your ability to make a living is your greatest asset, especially if you’re the family’s breadwinner. Having income protection when you become unable to work (due to an injury or illness) could save you from the pain and worry of not having money to pay for day to day expenses. “But I already have worker’s…
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Is Disability Insurance Worth Your Money?

Think disability insurance is only for accidents and injuries? Think again. Read our comprehensive guide to learn everything you need to know about disability insurance (and if it’s actually worth your money). Picture this scene: You’re on a trip with your family and everyone is excited to swim in the nearby river. With your whole…
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How Much is Life Insurance for Smokers?

As a smoker, life insurance may seem out of reach. However, it may be more accessible than you believe – discover how much life insurance is if you’re a smoker. For most people, buying life insurance is a relatively straightforward process. They pick the amount of the death benefit they want, they decide between term…
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Return of Premium Life Insurance Policies: Pros and Cons

As you already know, life insurance is a necessity, particularly if you have loved ones who depend on you financially. However, when looking for the right policy, you may assume that the only options are either term or whole life insurance. After all, those are the most common plans available, accounting for over 95 percent…
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Should I Have More Than One Life Insurance Policy?

The answer is, perhaps! There certainly are circumstances under which you might consider purchasing multiple life insurance policies.  First, Why Does Someone Need Life Insurance?  Here are the primary reasons someone takes out a life insurance policy: If you are the family’s breadwinner, it provides your family with income if you pass away. It provides…
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