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10 Tips for Smokers to Save Money on Life Insurance

Written by Cody Marchant

As a smoker, the rates you see up front for the average cost of life insurance might astound you. But don’t panic. There are plenty of ways you can save money as a smoker: 1. Shop Around First Always get help from a third party broker or agent when comparing different companies. They are knowledgeable.. More

The Center for Disease Control and Prevention (CDC) reports close to 500,000 Americans die prematurely each year as a result of smoking or exposure to secondhand smoke. Another 16 Million Americans live with a serious illness that is directly caused by a smoking habit. So it is no wonder that life insurance companies ask all.. More

So what exactly is a Life Insurance Table Rating, and how do they work? I promise it’s really not that complicated. Table Ratings are just the technical term that people in the life insurance industry use to describe the rating system for risks in the life insurance application process. Depending on a number of factors, you.. More

Can’t remember the last time you lit up? That’s great news. It means you’re well on your way to becoming a “former smoker”. You’ve read the research like that found on lung.org stating that when you quit: Your heart rate drops to a normal level. The carbon monoxide level in your blood drops to normal… More

There are many different variables that are accounted for in the life insurance underwriting process. Naturally, anything that statistically increases the probability of an early death will likely increase the amount of money (premiums) the insurance company charge you each month. Some of the things that life insurance companies will look at include your current.. More

As you may know by now, life insurance rates are calculated based on your estimated risk to the company that is insuring you. Basically, the more likely you are to die during the term of your life insurance, the higher risk you pose to them.  As a result, the you will pay a higher life.. More

In this day and age, purchasing life insurance has never been more important. Not only does life insurance cover the aftermath of one’s death, but it also comes with certain tax benefits. The cost of life insurance varies from person to person.  Depending on your age, health, lifestyle, and family history, your premiums will fluctuate… More

There’s two things you need to remember when taking a nicotine test for your life insurance medical exam. First, Be Honest. And Second, don’t wait until right before your test if you don’t want to be identified as a smoker by your insurance company. A good rule of thumb (which we’ll explore in further detail.. More

What Happens In An Exam For Life Insurance?

Written by Growth 360, LLC

One of the main portions of the life insurance application is the medical exam. It one of the pivotal points which will determine your premium size and your chances of being accepted/rejected. This post is going to look at the different steps of the medical exam and how it’s going to impact your life insurance.. More