When applying for life insurance, proposed insureds are typically required to answer a number of health-related questions on the application for coverage.

In addition, in many cases, they must also undergo a medical examination, though there are those companies out there that offer a life insurance policy with no medical exam. [Read more…]

Those who are long-term users of chewing tobacco are nearly 50 percent more likely to develop oral cancer than those who do not use.

In addition, just one can of snuff has as must nicotine as approximately 60 cigarettes. [Read more…]

If you’re a current or former smoker, then you know how difficult it can be to quit.

Throughout the years, many people have tried countless remedies such as nicotine gum, the “patch,” and other ways to help them with “kicking the habit.” [Read more…]

Smokers life insurance can be affordable. When a smoker applies for life insurance, there are a number of different components that will ultimately go into the amount of the policy’s premium.

Some of the primary drivers of premium price include the age and health condition of the applicant, as well as the amount of the death benefit that he or she is applying for. [Read more…]

Life insurance is one of the greatest parts of your overall financial plan.

This is because the proceeds from an insurance policy can be used for multiple different purposes, including paying off debt, the payment of ongoing living expenses of your survivors, and ensuring that an insured’s funeral and other final expenses can be taken care of. [Read more…]