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How Do Life Insurance Companies Know If You Smoke?

When applying for life insurance, there are many different criteria that the insurance carrier will base the price of your coverage on. Certainly, the age and health of the applicant are key factors in how much you will pay, as is the type of policy that you choose. The amount of death benefit is another primary component.

Yet, in addition to all of these, whether or not you smoke can make a big difference in how much you are charged for life insurance – and in some cases, being a smoker can increase your premium by two or three times that of those who do not smoke at all.

Life insurance is one of the most important purchases that you’ll ever make for your loved ones. It’s one of the few ways that you can ensure that your family has the money that they need, regardless of what happens to you. This article is going to look at the different ways that you can get life insurance coverage as a smoker. Continue Reading

Can You Purchase Life Insurance For Disabled People?

With more than 37 million people classified as disabled by the Council for Disability awareness, the question of getting life insurance for this group comes to us on fairly regular basis.  In 1990 the Americans with Disabilities Act was passed and it prevents anyone from denying coverage to anyone because of their disability.  What they can… Continue Reading

Can You Get life Insurance Approval with Hyperthyroidism?

When individuals have any type of adverse health condition, it can be much more difficult to qualify for life insurance coverage. This is because certain health issues may shorten a person’s life expectancy – ultimately leading to a costly life insurance claim that must be paid out by the insurance company. Those who have been… Continue Reading

Life Insurance Approval with Sickle Cell Trait or Sickle Cell Disease

With most any type of adverse health condition, it can become challenging for an applicant to obtain approval for life insurance coverage. This can certainly be the case for those who have sickle cell trait or sickle cell disease. Depending on your actual diagnosis, as well as the severity of your condition, there are some… Continue Reading

Can You Qualify for Life Insurance with Parkinson’s Disease?

In many cases, those who have various health conditions will oftentimes find it difficult to qualify for life insurance coverage. This is typically the case with conditions that cause a person to be considered a high risk to an insurance company in terms of filing a claim. Some people assume that even with severe health conditions… Continue Reading