Reader’s Question: Is it only in Lancaster, California CA where the cost of permanent life is higher than that of the term life insurance? Please enlighten me on this. Thank you. Gina Lancaster, CA Rest assured that permanent life insurance costs are definitely higher not only in Lancaster California CA but also in most places [...]

Reader’s Question: How much can I expect to pay for in terms of life insurance premiums here in New York if I smoke regularly? Caitlin Islip, NY Admittedly, you would pay much more, about three or even four times more, for life insurance coverage if you are a smoker. Of course, the actual rates will [...]

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 [...]

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 [...]

Reader’s Question: I know there are tons of life insurers out there, and that’s the problem. I have no idea how to begin to find a good life insurance policy. Any tips? Carlos Eugene, OR For many people the problem is not that there aren’t many insurers to choose from, but that there are so [...]

Reader’s Question: Because of the expenses that we have every single day, I need to find a way on how I can be able to save on the life insurance that I’ll purchase here in Utah. I’m thinking that I can get a discount, but the question is how can I get that discount on [...]

Reader’s Question: I’m thinking of getting life insurance coverage for the first time. Since I’m a first time buyer I need as much as information that I can get about life insurance. Can you give me tips on how I can purchase Washington life insurance the right way? Brenda Olympia, WA Hello Brenda. It’s a [...]

Reader’s Question: I’m looking to get the cheapest life insurance plan I can find here in Texas, any tips? And also, is it true that I can also take out a loan on a life insurance policy? Shane Galveston, TX To answer your question about taking out loans on a life insurance policy: Yes! It [...]

Reader’s Question: Would it be better for me if I sign-up for a whole life insurance policy, just like what an insurance agent here in Utah is telling me to do? Chester Provo, UT This is a bit tricky to answer immediately. To clarify further, there is no such thing as the perfect life insurance [...]

Reader’s Question: How can I get the best life insurance policy in New Jersey? Maureen Jersey City, NJ The main reason for most people why they purchase life insurance policy is to provide additional income for their family. When you want to purchase a life insurance policy for this reason, you have to decide the [...]