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Is Life Insurance a Good Investment?

We often see life insurance advertised as part of life for adults with a family who are dependent upon their income. Purchasing life insurance is supposed to be the responsible thing to do. But is life insurance actually a good investment? Whether a life insurance policy is the right choice for your circumstances depends on…

Understanding Whole Life Insurance Rates

Life insurance is a confusing investment, and it can be hard to see beyond the price when shopping policies. Term policies certainly help the budget-conscious, but the substantial benefits of permanent policies should be worth considering, even if you are young. Whole life insurance rates may be expensive, but the peace of mind these plans…

How Your Family History CAN Affect You Getting Life Insurance

Life insurance providers assume plenty of risk in offering affordable policies, so they need precision in their decision-making. Insurers perform exhaustive reviews of their clients’ health backgrounds, considering factors such as age, lifestyle, health-related habits, and gender. With more information, they make better approval decisions, fine-tune coverage limits and set appropriate premiums, reducing loss while…

Life Insurance with Congestive Heart Failure

Getting life insurance with Congestive Heart Failure can be difficult – but it’s not impossible. We can help you find the right policy. If you suffer from heart problems, then you probably already know the statistics: congestive heart failure is one of the most common chronic health problems that Americans suffer from. It is estimated…

Life Insurance Approval with Heart Disease

Finding a policy with heart disease can be challenging. Here’s what you need to know about getting life insurance approval with heart disease. According to a 2018 study from the Centers for Disease Control and Prevention (CDC), one person in the United States dies from heart disease every 36 seconds, making it the leading cause…

How to Buy Life Insurance Online

Buying life insurance is a big step and one that you should not take lightly. So, before you purchase a policy, you need to understand all of the different elements that can go into it. Fortunately, we’ve done most of the work for you – all you have to do is go through these steps,…

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…

Examples of Life Insurance Policies by Age

When it comes to buying life insurance, the most crucial factor influencing your rates is age. While there are plenty of other elements that can raise or lower your premiums, the older you are, the higher they’ll be. Although it’s better to get a policy when you’re relatively young, don’t get discouraged. Life insurance is…