Reader’s Question: Is it true that better health translates to lesser life insurance premiums? What are the risks if the applicant will not tell the whole truth about his health condition? I am applying for no exam life insurance in Bakersfield, California. Dane Bakersfield, CA Hello Dane. Nice question. It’s true that you pay less [...]

Reader’s Question: What do I need to do to get a cheap term life insurance policy online? Anna Thank you for asking Anna. It is essential that when trying to buy the best and cheapest life insurance rate online you need to consider other factors apart from price. Why? These factors may be able to [...]

I have decided to purchase a life insurance policy but a smoker, are their existing coverages for me which has low premiums? By the way I am in my 40s living in Joliet Illinois IL. Ben Joliet, IL Hey Ben, how are you? Yes there are existing coverages for smokers like you. Though you will [...]