Financially speaking, life insurance is a key component to a full-fledged financial plan. And, for those of you who smoke, it may be even more important. We all know that smoking is bad for us and significantly reduces our life expectancy. The last 50 years of statistics bear this out and you can bet that […]
Smokers
How Using E-Cigarettes Affects Your 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 […]
Marijuana Use and Life Insurance
Each insurance carrier as a set guideline they use to determine what risk class your application falls into and those guidelines have many different components. The more risk that you are to approve for life insurance, the more they are going to charge you in monthly premiums. One factor that they are going to look […]
Life Insurance and Smokeless Chewing Tobacco
Our title is a truism for any avid tobacco chewer, who knows intimately the difference between dip and a cigarette. While there are dangers associated with chewing tobacco including mouth cancer and potential dental problems, there is no comparison to the dangers of smoking. And for the daily tobacco chewer, and now a hand full […]
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 […]
