7 August 2014 0 Comments

Help Yourself to the Best Premiums

There are many factors that go into what you will be charged for life insurance.  There is really only one of those factors that is totally out of your control:  family history.  If your father died of a heart attack at the age of 55 there’s nothing you can do about that, and that would […]

5 August 2014 0 Comments

Why You May Not Be Eligible For The Lowest Premium

Years ago the majority of life insurance applicants received a policy with the lowest premiums.  You could smoke two packs a day and didn’t have to provide a blood draw.  Insurance companies paid little attention to family medical history. The problem with that simplistic pricing approach was that the person in pristine health paid more […]

30 July 2014 0 Comments

The Feel Good Factor

Buying a new car can make you feel good…until the new car smell wears off and you no longer bother to get it washed every week.  Moving into a new home always makes you feel good…until the newly escalated real estate taxes come due.  Partying with a bunch of your pals from college, reminiscing about […]

6 May 2014 0 Comments

The High Cost of Nicotine Use

If you are a smoker and have been coaxed into looking at life insurance by TV ads showing the low cost of term insurance, you have most likely been very disappointed when you responded to these ads.  Tobacco users pay much, much more for life insurance than those who do not partake.  I covered much […]