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smoker life insurance

Best Term Life Insurance for Smokers?

Life insurance is one of the most important decisions that you can make for the future security of your family. It’s the best safety net that you can buy, but finding the perfect plan can be a long and confusing process, especially if you’re a smoker. For smokers, term life insurance rates are typically more […]

life insurance with arthritis

Arthritis and its Effect on Life Insurance Rates

If you’re in the market for life insurance and have arthritis, please take 3 minutes to read our article. We know that finding the perfect life insurance policy can be a long and complicated process, but if you have a severe health complication like arthritis, it can be even more frustrating. Finding an affordable life […]

basal cell

Qualifying for Life Insurance with Basal Cell Carcinoma, Squamous Cell Carcinoma, or Melanoma

If you’re one out of the five Americans who have developed skin cancer, whether it’s basal cell carcinoma, squamous cell carcinoma, or malignant melanoma, you might be wondering how your diagnosis affects your ability to qualify for life insurance, as well as what rates you might expect to obtain.    The first thing that you should […]

life insurance application process

Life Insurance Application Process

Life insurance isn’t like most products that you can buy and take home with you immediately. There are several different components of the application process, unlike something that you buy from a grocery store. The application process can take anywhere from 4-8 weeks.  It’s important to understand the process if you’re in the market for life […]

life insurance with lupus

Affordable Life Insurance with Lupus

Life insurance is one of the most important purchases that you’ll ever make for you and your family. It’s the best safety net that you can buy and one of the few ways that you can ensure that your loved ones are going to have the money that they need if anything tragic were to […]

denied life insurance claim

Can A Life Insurance Company Deny a Death Claim?

This is a very common question.  If you’re going to rely on the life insurance company to take care of your family financially when you’re not around anymore, then you want to make darn sure they will pay.  There are only 2 reasons why a life insurance company WILL NOT pay a death claim: 1.  […]

healthy life insurance rating

I’m Healthy, Why Didn’t I Get Preferred Life Insurance Rates?

So your physician gives you a clean bill of health, but the life insurance company gives you a standard or sub-standard health class rating, what the heck?    These sentiments are natural and we hear this frustration every time this situation comes up.  Many consumers don’t understand that your personal physician and a life insurance underwriter […]

Life Insurance

What Kind Of Life Insurance Do I Need? And Do I Really Need It?

Let’s talk about life insurance for a minute. Do you really need it? If you’re young, your initial instinct is probably to say, “No! I’m young, strong, and able to drink a case of Red Bull without flinching. Why would I need life insurance?” You laugh in the face of danger and regularly defy death […]


Mass Mutual Guaranteed Acceptance Life Insurance Review

You probably saw the add on TV and are looking for reviews of this fairly new offering from Mass Mutual.  Well you’re in the right place. Mass Mutual is a fantastic life insurance company, but they aren’t competitive when it comes to guaranteed acceptance life insurance. Lets clarify that “guaranteed acceptance life insurance” is life […]


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Marijuana Life Insurance

How Life Insurance Companies View Marijuana Smokers

(Marijuana underwriting guidelines below updated in October 2016.  Lots of favorable changes!) I think you’ll agree with me when I say it’s hard to find life insurance when you smoke marijuana.  Some companies flat out decline, some companies charge you a lot and others seem too good to be true. It turns out it’s actually […]

graded death benefit

No Medical Exam Life Insurance for Diabetics!

Quick Tip: Choose “Regular” health class and view rates on the next screen.  Look for “Sagicor” if you want “No Exam” life insurance.  This is only if you’re a well controlled Type 2 diabetic diagnosed over age 40.  Otherwise, please read the entire article to secure the best life insurance rates for those with diabetes. BIG […]

life insurance review

Select Quote Reviews

Disclaimer:  We are NOT affiliated with SelectQuote.  We are a direct competitor and this is our review of SelectQuote life insurance services. Updated: May 2015 with more detailed information about SelectQuote’s operation. You’ve probably seen Select Quote advertising on TV or the radio. They’re all over the media and have become one of the most […]

life insurance review

Zander Insurance Review

Disclaimer: We are not affiliated with Zander Insurance.  We are a direct competitor and this article is our review of Zander Life Insurance.  If you’re having trouble finding 3rd party reviews of Zander Insurance, our update at the bottom of this article will explain why. Before I get into my Zander Life Insurance review, let […]

life insurance bph

Best Life Insurance Options for 62 Year Old [Insider Guide]

Quick tip:  Instant life insurance quotes will be displayed immediately on the next screen by filling out the form on the right.                                                       I think you’ll agree with me […]

SelectQuote Reviews

3 Critical Life Insurance Tips to Save You Time and Money

Here at, we are dedicated to helping our customers find the best possible insurance policy at an affordable price. We understand the life insurance is one of the most important purchases that you’ll ever make. Because life insurance is such an important decision, it’s vital that you make a well-informed decision to give your […]


Buying Life Insurance for Parents – 3 Expert Tips & Free Quote

Quick tip:  If you’re looking for an instant life insurance quote for your mom or dad, complete the form on the side and you’ll see accurate quotes on the next screen. Buying life insurance is an important process, but it can also be difficult, especially if you are looking to buy coverage for your family. […]

company life insurance policy

Does Your Company Life Insurance Policy Leave You At Risk?

We hear the same story every week from consumers looking for life insurance:  They lost their life insurance benefits from work due to a job change, job loss, retirement or their company cutting back on benefits.  It’s important for everyone with life insurance benefits through their employer to understand that once you leave your job, […]