How Your Family’s Health History Impacts Your Life Insurance Rates

There are hundreds of factors which might influence your eligibility for life insurance and what premiums you’ll receive. The most common is your personal medical history. The diseases, injuries, and illnesses you’ve experienced and are currently experiencing play a huge role in whether you’ll qualify for coverage and how much you’ll pay. Another important factor,.. Read More

How Long Does Nicotine Stay In The System?

Nicotine. Is it in your system? Why does it matter? Let’s compare your bodily system to a car for a moment. Picture a dashboard. Say your system has a dashboard with a set of gauges, just like a car does. Instead of measuring fuel, oil, engine health and tire pressure like you would see in a.. Read More

Life Insurance with Endocarditis

There’s no denying that applying for life insurance with a pre-existing medical condition is difficult. Life insurance companies tend to categorize those with a pre-existing condition, especially one that is severe, as a greater risk than an otherwise healthy individual. That’s why those with severe health conditions often pay higher premiums for the same life.. Read More

Ladder Life Insurance Review

Instant. Simple. Smart. Ladder, a digital life insurance provider, was founded in order to provide next-generation life insurance to consumers – with a focus on speed, ease, and intelligence. And, there’s never been a better time for life insurance companies to be internet-based. Almost 1 in 3 purchased or attempted to purchase life insurance online... Read More

Whole Life vs. Indexed Universal Life Insurance

You maxed out your 401(k). You earn too much income to qualify for a Roth, or maybe your Roth is maxed out also. You are seeking decent gains, no stock market risk and tax-free money for retirement. What do you do? Take a look at permanent life insurance for an excellent (albeit lesser talked about).. Read More

Policygenius Review

Shopping for the right life insurance company can be a daunting task. Policygenius helps with just that… and more! Policygenius can help you find the right type of life insurance (or several other types of insurance, in fact), from the right carrier, all in one place. For many people, it is hard to tell which.. Read More

Life Insurance For Someone Who Is Overweight

Most Americans are overweight. Your ability to buy life insurance, if you are like the majority of Americans and are overweight or obese, is sometimes not as simple as one would hope. What you need – an insider’s guide (a cheat sheet, if you will) to understanding exactly how life insurance companies underwrite an overweight.. Read More