High Risk Life Insurance Questions

High Risk

How Much is Life Insurance After You Have Quit Smoking?

When shopping around for life insurance, it helps to compare policies and rates across many different companies. However, if you are a smoker, no matter where you shop, your premiums will always be much higher than a nonsmoker. But, what if you have quit recently? Can you qualify for non-smoking rates? The short answer is…

What are Common Life Insurance Scams?

Ideally, buying life insurance should be relatively easy and straightforward. Unfortunately, in some cases, scammers can make the process far more dangerous and complex. As a consumer, you need to be aware of the various life insurance scams and tricks so that you know how to spot them if they occur. While the vast majority…

What is High-Risk Life Insurance?

When choosing life insurance, the company will set your rates based on your risk level. In this article we will discuss, what is high-risk life insurance? When choosing a life insurance policy, it’s usually best to go with one that offers competitive rates and a substantial death benefit. However, in most cases, to get reasonable…

Burial Insurance for Seniors Over 70

Typically speaking, life insurance is a young person’s game. When you’re healthy and fit, it’s easy to get approved for low premiums and high coverage. Once you reach your golden years, however, it can be quite tough to find a policy. But it’s not impossible. Today, we want to focus on getting burial insurance for…

How Does a Felony Affect Life Insurance Rates?

If you have a criminal record, you may be wondering, how does a felony affect life insurance rates? Read more here on what you need to know. Typically, when looking at life insurance plans, variables like your age and health will be deciding factors. However, one element that we haven’t dived into much in the…

Can Alcohol Get Me Declined for Life Insurance?

Many Americans have problems with alcohol abuse and addiction. Discover more on if alcohol can get you declined for life insurance. When you really think about it, life insurance is highly unique. Compared to other forms of coverage that only care about the value of your property (i.e., home and auto), life insurance can be…

Getting Burial Insurance for Dialysis Patients

Receiving dialysis can bar you from getting traditional life insurance, but it’s easier to get burial insurance for dialysis patients. Learn more here. For those living with kidney failure, life can be much more challenging than usual. Fortunately, living in the United States means that you can get dialysis treatments from the government. Thanks to…

Getting Burial Insurance for Cancer Patients

Getting a cancer diagnosis can be overwhelming for a variety of reasons. You have a long road of treatment ahead, and you need to make sure that your loved ones are taken care of, both while you’re getting treated and if the worst should happen. For many cancer patients, life insurance can be out of…

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…