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Cheap Life Insurance for Smokers

cheap life insurance for smokers

Cheap life insurance for smokers can be found when you choose the right company.  Life insurance offers financial security for you and your loved ones. For smokers, understanding how smoking affects life insurance premiums is essential. Generally, smokers pay higher premiums than non-smokers due to the increased health risks associated with smoking. Smoking is considered […]

No Exam Life Insurance For Smokers

no exam life insurance for smokers

Smokers worried about paying expensive life insurance premiums often ask about no-exam coverage. After all, they say, if I’m going to pay super high tobacco premiums anyway, I may as well skip the medical exam. That’s a logical assumption, but it’s not always correct: Many smokers can still get affordable life insurance rates even with […]

Life Insurance with HIV/AIDS

Life Insurance with HIV/AIDS

There was a time, not so many years ago, when getting life insurance with HIV/AIDS would’ve been impossible. I’m not going to lie – it still isn’t easy – but it’s not impossible either. There have been many new breakthroughs on the HIV/AIDS front, and life expectancies are increasing significantly. What’s more, new treatments and […]

Life Insurance For Diabetics

Life insurance for diabetics

Life insurance candidates with diabetes already know finding affordable coverage can be difficult. Chronic health conditions like diabetes limit your coverage options. That’s just the way life insurance works. Our article will help you find which companies will offer life insurance for diabetics. There are a few life insurance companies that understand your coverage needs […]

Life Insurance With Heart Disease

life insurance with heart disease

Heart disease has a way of giving you perspective. Goals that once seemed important fade to the background, and you focus on what really matters: caring for your family and preparing for the future. For many people, this means laying a solid foundation with life insurance to protect your loved ones financially. If the worst […]

Life Insurance with Cancer

There are almost 14 million people in the U.S. today who are either cancer patients or cancer survivors. The fact is that most cancers can be treated but still, cancer is unpredictable. While even those in remission should consider their family’s future, getting approved for life insurance can be especially challenging after a cancer diagnosis. […]

Can You Get Life Insurance After Melanoma Diagnosis?

life insurance after melanoma

If you were diagnosed with melanoma, you might have started thinking about the future. A lot of people start making serious decisions after being diagnosed with severe health problems. At this point, you might be wondering if you can still get life insurance after melanoma. If the cancer has been surgically removed, and you have […]

Can I Get Life Insurance with Atrial Fibrillation

Atrial Fibrillation

Can I Get Life Insurance with Atrial Fibrillation? Understanding Your Options Living with Atrial Fibrillation (A-fib) can be challenging.  Buying life insurance with a-fib could also be challenging. Having A-fib does not disqualify you from obtaining life insurance. Here’s a comprehensive guide on the path to securing life insurance with A-fib. Understanding Atrial Fibrillation (A-fib) […]

Life Insurance With a Health Condition

life insurance with health conditions

Having a chronic condition does not simplify your search for life insurance. But with the plans available today, it is common to have several options available once you decide to apply. Can You Get Life Insurance with A Chronic Illness? Step one is figuring out which type of chronic conditions are typically considered, and evaluating […]

Life Insurance with COPD

life insurance with copd

Chronic Obstructive Pulmonary Disease, otherwise known as COPD, is one of the most common lung diseases experienced today. Taking two main forms: Chronic bronchitis that involves a persistent cough and Emphysema, which involves the extensive deterioration of the lung passages over time, COPD is a pervasive disease that requires extensive treatment and frequent medical attention. […]

Life Insurance for Skydivers

man skydiving and smiling and holding two thumbs up

As a skydiver, you understand the importance of living life to the fullest. In fact, you make a point to live in a way that will leave you with no regrets. As exhilarating as this sport is, it is important to ensure that your family would be taken care of should something happen to you. […]

Life Insurance for Scuba Divers

two scuba divers among a school of fish near a reef

Believe it or not, life insurance does tend to differ when it comes to scuba divers. This is due to that fact that extreme sports such as scuba diving do carry risk. Life insurance for scuba divers varies incredibly depending on many factors, and if you don’t use the right life insurance company based on […]

Life Insurance for Pilots

life insurance for pilots

Buying a life insurance policy can be a little confusing, and it’s even harder if your hobbies or career are considered “high risk” by the insurer. High-risk candidates often face higher rates and policy limitations that people with other jobs and habits do not. If you’re a pilot, understanding how your aviation affects your life […]

Life Insurance with a Criminal Record

life insurance with a criminal record

There are a few factors that can make obtaining a life insurance policy difficult such as a serious health issue, risky lifestyle choices (i.e. driving recklessly ) and criminal background. Though it can feel like further punishment to be denied coverage for a crime that was already dealt with during the legal process, the denial […]

High Risk Activities That Increase Life Insurance Premiums

high risk life insurance

A variety of different factors are considered when underwriters are analyzing an applicant for approval for coverage. In addition to the standard health conditions that are reviewed, an applicant’s occupation and outside activities are also considered. As these can have an effect on the individual’s life expectancy. High-Risk Activities and Life Insurance In many cases, […]

Hepatitis B Life Insurance

Hepatitis B virus illustration

When you apply for a life insurance policy, one of the most important factors is your current health condition. For those who have Hepatitis B, it is possible to be approved for life insurance at standard premiums. This article will help you understand the application process and how to make adjustments to your lifestyle to […]

Can You Buy Life Insurance After Breast Cancer?

In the past, breast cancer survivors weren’t able to qualify for life insurance at all. In part because of better treatment options and higher survival rates. However, many life insurance companies are revising their policies to offer coverage to breast cancer survivors. According to, one in eight women will develop breast cancer during her […]

Life Insurance with High Blood Pressure

Life Insurance with High Blood Pressure

If you’re trying to get life insurance with high blood pressure (or hypertension), you should be aware of how insurance companies determine who gets approved and what factors they use to determine your premiums. It’s not always a straight forward path, but that’s what we’re here to help you navigate. To better understand how life […]

Life Insurance with a DUI: A How To Guide

Life Insurance with a DUI

One factor that most people don’t realize is your DMV records.  Getting charged with a DUI can affect your chances for life insurance. The key to getting approved for life insurance with a DUI will take a bit of work, knowledge gathering, and using an independent life insurance agent who knows which companies will approve […]

How Using E-Cigarettes Affects Your Life Insurance

e cigarette smokers life insurance

You probably know that life insurance companies aren’t a fan of cigarettes. You know about smoker’s rates and how expensive they can be, but how do e-cigs fit into the life insurance equation? With the popularity of smoking cigarettes decreasing and the high rates for life insurance when smoking, many smokers are turning to tobacco […]

Risky Jobs and Life Insurance

life insurance for high risk jobs

So you have a risky job. Or perhaps you have a son or daughter who does. And you’re wondering how life insurance will fit into the picture. Well, the good news is that you or your loved ones probably can get life insurance. The bad news is that “probably” part. Moreover, you may not be able to […]

Life Insurance With Asthma

life insurnce with asthma

Finding the right policy for life insurance with asthma can be complex depending on the severity.  If you are an asthma sufferer who is currently shopping around for life insurance, this article will provide you with an overview of the information that you should have while you conduct your search for the right life insurance […]

Can You Get Life Insurance after Prostate Cancer?

life insurance with prostate cancer

Shopping for life insurance can be troublesome, and it’s even harder if you have a health problem, like prostate cancer. Your medical history and any previous problems are going to be hurdles to get coverage, but they won’t stop you. Prostate cancer is the most common cancer that men get. We’ve written this article to […]

Life Insurance with Multiple Sclerosis

Life Insurance with Multiple Sclerosis

If you have a pre-existing condition, you’re going to encounter some unique complications when you’re trying to get affordable life insurance. Multiple sclerosis can be a devastating diagnosis to get, but it doesn’t mean you can’t get life insurance. Many patients with MS are surprised to learn that they can get approved – the key […]

Life Insurance with Type 2 Diabetes

Life Insurance with Type 2 Diabetes

Type 2 diabetes is a common health condition that affects millions of Americans. If you have this condition, you understand first-hand that it can be challenging to manage the condition and to live with some of the symptoms. Your doctor may have also informed you that you may be at an increased risk for developing […]

Guaranteed Issue Life Insurance: Good or Bad Deal?

If you’ve never shopped for life insurance before, you may not know how many kinds of plans there are. You may assume they are all the same. If you were buying a security system for your home, you would compare several different systems to make sure your family is safe. Life insurance works the same […]

Life Insurance with Hepatitis C

If you have been rejected for life insurance in the past because of Hep C, you don’t have to go without coverage. There are still affordable choices for life insurance available for Hepatitis C patients. Individuals can apply for life insurance with a company who understands their needs and is willing to help despite any […]

Best Life Insurance for High Cholesterol

Some people believe that they are uninsurable— or at least, only insurable at very high rates— if they are shopping for life insurance with high cholesterol. Others simply never consider the fact that it affects life insurance rates in the first place. But the truth is that it does, and every life insurance provider follows […]

High Risk Life Insurance: How To Get Approved

woman who needs high risk life insurance

We’ve all heard a lot of talk these days about pre-existing medical conditions for health coverage, and at first glance, life insurance policies are no different. One of the first considerations an insurance provider looks at is how “high risk” you are. That doesn’t mean however that if you are in a high risk bracket […]

Life Insurance for Type 1 Diabetics

life insurance with type 1 diabetes

Many Americans, both young and old, suffer from diabetes. Aside from the physical limitations they face every day, it can prove difficult to get approved for life insurance. There are some important facts for those suffering from type 1 diabetes to consider prior to shopping. Getting life insurance for your family can be one of […]

Life Insurance After A Stroke

life insurance with thrombocytopenia

All it takes is one stroke to realize the importance of life insurance. Unfortunately, many stroke survivors are under the impression that their medical history means they won’t be able to get coverage, so they go without protection for themselves and their families despite their increased risk of future health issues. The good news is […]

Life Insurance for Overweight and Obese

If you’re packing on a few extra pounds or even more than just a few, you’re in good company. In this blog post, I’ll cover how being overweight or obese can affect your life insurance rates. In another article, I wrote about understanding life insurance health ratings, and I’ll give a quick recap here. When […]

Life Insurance with Sleep Apnea

Life Insurance with Sleep Apnea

Life insurance is as important for the 18 million Americans with sleep apnea as it is for people without the disorder. Because it’s such a common condition, there are millions of Americans with sleep apnea that are looking to get life insurance. In this article, we’ll look at the factors behind life insurance rates for […]

Life Insurance with Arthritis

If arthritis has become part of your everyday life, you are not alone. According to the Centers for Disease Control, osteoarthritis affects about 27 million people in the United States. An additional 30 million Americans suffer from the pain and lack of mobility associated with rheumatoid arthritis. Arthritis and Life Insurance Arthritis can affect your […]

Life Insurance With Depression

Investing in life insurance is one of the best financial decisions you can ever make. Life insurance provides for and protects your family from a lot of financial stress if something unexpected happens to you. The process of getting life insurance can be stressful. But that shouldn’t keep us from doing what we can to […]

Life Insurance with Lupus

Getting life insurance can be worrisome if you have been diagnosed with lupus. Since there are higher risks associated with this disease, many companies may turn you down or offer you a low rating class with a high premium. However, even those diagnosed or currently being treated for lupus can get a great life insurance […]

Life Insurance and Marijuana: Weeding Between the Lines

life insurance and marijuana

We get a lot of questions about how marijuana is going to affect life insurance plans and how much users will pay for life insurance, or if they will be declined for coverage because of their smoking. Each insurance carrier has a set guideline they use to determine what risk class your application falls into […]

Life Insurance and PTSD

Male Soldier Holding Wooden Cubes With PTSD Text

Veterans returning from Afghanistan and other dangerous countries must sometimes feel like the home front isn’t all that better than the war zone. After all, it can’t be easy adjusting from being in a state of having to watch your back every moment to knowing you can go to the store without a flak jacket. […]

Does Life Insurance Pay for Suicidal Death?

Suicide and Life Insurance

It’s a long-held belief that life insurance doesn’t pay out if the policy holder kills themselves. But that’s a misunderstood belief and partially a myth. This is a complex topic, but if you’re curious how the two concepts of life insurance and suicide intermingle, here’s what you need to know. Will Life Insurance Companies Cover […]

Life Insurance with Thrombocytopenia

Applying for life insurance when you have various health conditions can be challenging. Depending on the specific diagnosis that you have, it is possible that your application for coverage may require higher premiums in order to be approved, or it may be denied altogether. There are, however, ways to improve your chances of being approved […]

Life Insurance after Bankruptcy

Bankruptcy is a legal process which allows an individual or business to deal with mounting debt. There are many types of bankruptcy, some of which are designed for individuals while others are for businesses. Life Insurance and Bankruptcy While this legal process can often help people in a tough situation, it can also make other […]

Life Insurance Flat Extra Premiums

Insurance Premiums

Understanding Flat Extra Premiums in Life Insurance: A Comprehensive Guide When it comes to protecting  your family’s financial future, life insurance stands as a shield. But what if you find yourself in a situation where life insurance companies aren’t offering a straightforward “yes” or “no” answer? Perhaps you’re dealing with a serious illness or you […]

Life Insurance for U.S. Foreign Nationals

There are, of course, a myriad of reasons that lead U.S. citizens to live abroad for either a temporary or long-term period. Work can take U.S. foreign nationals all over the world where they’re required to live in locales beyond U.S. borders. Pursuing educational goals, taking a sabbatical, or simply choosing to reside in a […]

High Risk Occupations and Life Insurance

High rise window cleaner hanging next to the side of the building

People don’t usually think about high risk occupations being a concern with insurance. It’s obvious that pre-existing health conditions, such as smoking or being overweight, cause providers to worry about their liability risk when discussing coverage options. In those cases, insurance providers have every reason to be concerned since these types of policyholders would have […]

Life Insurance for Active Duty Military

army soldier holding coffee cup in kitchen smiling

There are options for life insurance for active-duty military members with a variety of different components. Servicemembers Group Life Insurance (SGLI), Veterans’ Group Life Insurance (VGLI), and Conversion options, are just a few of the major components. Reaching a greater awareness of the features of each gives you the details that allow you to make […]

Life Insurance With Angina Pectoris or Prinzmetal

If you have angina pectoris or another form of cardiovascular disease, then you will need to know what to expect in terms of term life insurance pricing. You will most likely be declined a traditional policy if you have angina pectoris and are under the age of 40. However, it is possible for you to […]

Alcohol and Life Insurance Premiums

After you have begun the (long) process of buying a life insurance policy, you will have to answer some questions on the application related to your alcohol use. The insurance company doesn’t have rules on “alcoholics,” but alcohol abuse or excessive drinking can cause serious chronic conditions which can greatly affect your life insurance premiums. […]

Reasons People Get Declined for Life Insurance

Adverse health conditions are generally thought to be the reason why one would be turned down for life insurance coverage, but health conditions are only one reason why you could be turned down. There are other reasons why you could be declined and this article will provide you with information, tips as well as what […]

Getting Term Life Insurance as a Cigar Smoker

Most people who enjoy cigars assume that, when it comes to term life insurance, they will automatically be given the much more expensive “Smokers’ Rates” as a result. However, this is not necessarily the case. If you smoke cigars, and only cigars (no other forms of tobacco/nicotine), you are actually eligible for non-tobacco rates with […]

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