If you’ve stumbled upon this article, you are probably navigating the intricate world of life insurance for smokers.Whether you smoke cigarettes, cigars, vape, use chewing tobacco, or consume marijuana, it’s vital to dive deep into various factors that influence your premiums. Our comprehensive guide simplifies this process by providing targeted strategies uniquely suited for those who [...]
It may come as a surprise, but your weight can impact the rates you receive for life insurance.The good news is that even if you are overweight or obese, you can still secure life insurance coverage. Keep reading to discover tips on how overweight applicants can obtain coverage at the most affordable rates possible.QUICK LINK NAVIGATIONHow [...]
Buying life insurance with pre-existing conditions can be relatively easy or more complicated, depending on the details of your specific medical condition. Getting the best life insurance rates for chronic conditions like hypertension, cholesterol, and depression is easy with the right insurance company. However, we recommend doing some preliminary research to get life insurance for [...]
It can be challenging to live with diabetes, but finding affordable diabetic life insurance can be daunting.But it is essential to get the coverage you need to protect your loved ones if something happens to you. Fortunately, some companies specialize in providing life insurance for people with diabetes. Here are some helpful tips on finding the best [...]
After shopping for life insurance online, you have finally found the perfect insurance policy for your needs and budget.Understanding the life insurance underwriting process becomes essential to get the most affordable life insurance rates.Since many people are not familiar with buying life insurance, it is often helpful to discuss the two different methods to purchase [...]
Another factor life insurance companies consider when underwriting a life insurance policy is your cholesterol levels. Getting you great rates on life insurance with cholesterol readings above normal is part of what we do here at Affordable Life USA. Insurance underwriters often feel elevated cholesterol can indicate an applicant’s potential future risk of coronary artery [...]
Many people in excellent overall health are often surprisingly charged more for life insurance because of an immediate family member’s history. These applicants do not realize that life insurance underwriters usually consider your immediate family history when pricing the policy you buy.Most life insurance companies will want to know at what age your parents or siblings [...]
Many people who suffer from either depression or anxiety are usually not aware of how it can affect their life insurance rates.Can you get life insurance for depression?Our professional insurance advisers routinely help our clients get life insurance with depression treatment.Our goal is to locate life insurance companies that use clinical underwriting to establish optimal [...]