High Risk

How Does Vaping Affect Life Insurance Rates?

With recent vaping related deaths and illnesses across the US, how does it affect how the life insurance industry views vaping and policy rates? Vape and E-cigarette users have long argued that it’s safer than smoking actual cigarettes or tobacco. However, recent studies show that while not exactly similar in effects, vaping raises the risk…
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Life Insurance With Crohn’s Disease

Living with Crohn’s disease can be painful and disruptive, and it may affect your ability to get life insurance. Find out what you need to know. If you are one of the more than 750,000 people who have Crohn’s disease, you know how disruptive it can be to everyday life. While the condition is quite…
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Getting Life Insurance With Breast Cancer

According to recent data, about one in eight women will develop invasive breast cancer at some point in her life. Overall, breast cancer is the most diagnosed form of cancer for women, which translates to over 250,000 new cases every year.  If you are diagnosed with this disease, the impact can be overwhelming at first,…
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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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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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Life Insurance After a Stroke

According to the American Heart Association, about 800,000 Americans have a stroke each year, with 3 out of 4 of them being a first-time stroke. Stroke is the leading cause of long-term disability. But is also considered as the leading preventable cause of disability (80% of first strokes may be prevented).  When the blood that…
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Getting Life Insurance After a Heart Attack

Everyone probably knows someone in their life who’s had a heart attack. The word alone conjures up thoughts of terrifying pain―of a fierce tightening in the chest and a struggle to catch your breath.  And this frightening image of heart attacks is well earned. According to the CDC, cardiovascular diseases are responsible for one out…
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Life Insurance with Asperger’s Syndrome

Did you know that 1 in 59 children in the US has been diagnosed with Autism Spectrum Disorder (ASD)? Cases of autism (which includes Asperger’s) is more common than many people realize. If you’re a parent or a relative of someone who has been diagnosed with ASD, specifically, Asperger’s, this article will help you learn…
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Life Insurance for Scuba Divers

How much you have to pay for life insurance is determined by one thing:  Your risk level. And risk level is determined by several factors. These include age, health, family medical history, driving record, whether you smoke or not, and lifestyle.  Scuba diving is an activity and a sport, albeit one that’s performed with a…
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