Does the amount of alcohol you drink affect your life insurance rates? While life insurance companies may not be primarily concerned with how much alcohol you drink, they are definitely concerned about any adverse effects your drinking may have on your health. Heavy drinking as a lifestyle may lead to chronic health concerns such as heart disease, stroke, depression, dementia, liver and gastrointestinal problems.Because the amount of alcohol you...more
So, it is a well known fact that improving your health can improve your life insurance rates. A few chronic health conditions that can prevent you from getting a good rate on life insurance are high blood pressure, diabetes, cancer and heart disease. Life style-related conditions such as smoking, obesity and drinking also have a negative impact in underwriting your life insurance rate. The only way you can improve your chances for a good rate is...more
Being overweight is usually a cause of concern when applying for a life insurance policy. Some people who have challenging health issues related to being overweight think they cannot get any insurance at all and therefore, may not even try applying for life insurance coverage. Some have tried and have been declined by the few life insurance companies they have applied to. The fact is, even if you are overweight or obese, you may still be able to find an affordable insurance coverage policy that meets your needs. You may just have to try harder and shop around for the most affordable life insurance coverage.Shed a few pounds before you apply for life insuranceIf you are 10 lbs over your "ideal" weight, and have a good medical history with no existing medical conditions, many life insurance carriers may overlook the weight. Since being overweight or obese is a modifiable factor, one sure way to get cheaper life insurance premiums is by making sure you are the "ideal" weight for your age and height at the time you apply for a life insurance policy!Most life insurance carriers look at your BMI (Body Mass Index) and may use this criterion to determine the premium category you qualify...more
Another way you can save on premium payments is by making annual payments. Most life insurance companies offer several payment options. You can pay monthly, annually or even quarterly or semi-annually. However, life insurance consumers may not know that by paying your premiums, other than annually, you may incur interest or what may be termed as...more
It is fairly obvious that your life insurance policy should name a beneficiary since the sole purpose of a policy is to ensure that your loved ones will be financially supported after your death. Most life insurance policies bequeath their proceedings to their spouse or children, but how this is worded in your life insurance policy is crucial and...more
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An alternative which protects you against declining insurability as well as providing life insurance that meets your changing needs is to plan ahead. Since individuals' insurance needs generally decrease as they age, most people can satisfy their...more
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The Types of Long Term Care Insurance Policies By: christine About the Author Need more information about types of long term care insurance policies? Visit http://www.completelongtermcare.com and read articles on long term care...more
We cant change our past, but we can surely control our present and mould our future.Insurance is a financial instrument designed to manage risks and unpredicted incidents in life. Hence life insurance should be purchased in advance without waiting...more
Calgary life insurance provides an option for saving cash so that you can use that money for you and your family's future. By getting this insurance, you secure your family's future and you will be free from worries about what will happen to your...more
The market is flooded with life insurance plans and policies. There is term life insurance, whole life insurance, and universal life insurance by dozens of life insurance companies at varied rates and prices. If you are buying the life insurance plan...more