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 […]

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 […]

26 February 2013 0 Comments

The Lance Armstrong Saga

Lance Armstrong’s recent revelation that he had been lying took most of us by storm.  How could he have lied with such ease all these years?  Well, according to an article in the Los Angeles Times following the Armstrong story, all of us lie much more than we want to admit.  “You’re looking well today,” […]