Life Insurance for Smokers (2024)

Most people understand the detrimental impact of smoking on your health, but did you realize how significantly it could impact your life insurance rates? If you smoke cigarettes or consume tobacco in any way, life insurance companies may increase your rates by as much as 100%. Unfortunately, life insurance for smokers is often much more…

→ Read More

What is corporate-owned life insurance or dead peasant insurance?

Have you ever heard of corporate-owned life insurance or dead peasant insurance? Corporate-owned life insurance is life insurance taken out by companies on their top employees.  In this guide, we’ll look at corporate-owned life insurance, who uses these policies, and the controversy surrounding this growing practice.  How does corporate-owned life insurance work? Corporate-owned life insurance…

→ Read More

Can you have multiple life insurance policies?

Life insurance is a valuable financial tool for protecting your family in the event of your passing. However, can you have multiple life insurance policies to ensure comprehensive coverage for your loved ones? It’s possible to have multiple life insurance policies. In this guide, we’ll discuss why it might be the right decision for you…

→ Read More

Life Insurance for People Living With Disabilities

According to a recent study by the Centers for Disease Control, about 26% of adults in the United States live with a disability. One in every four adults in the U.S. looking for life insurance has the same questions and concerns as you. Having life insurance is essential. Having life insurance if you are living with…

→ Read More

Do life insurance companies test for drugs?

Do life insurance companies test for drugs? That’s a question many potential policyholders are asking. And the answer is yes — life insurance companies test for drugs to determine if they will provide coverage.  This testing can include prescription and illicit substances. If they find any of these in your system, it can result in…

→ Read More

Does your job affect your life insurance?

Does your job affect your life insurance? It may seem like an odd question. After all, we often think of life insurance as personal and separate from our work, but the reality is that one’s chosen profession can impact their coverage meaningfully.  Insurance companies will classify some jobs as more “hazardous” than others, and those…

→ Read More