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 [...]

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 [...]

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 [...]