There are over 700 life insurance in the United States and each one has their own rate sheet and underwriting guidelines. Factors such as your age, coverage amount and length of the policy all affect the premiums. More specifically, your height & weight, blood pressure readings, cholesterol readings, family history, tobacco use, driving record, health…Read MoreOur guide on the best life insurance companies with high blood pressure (hypertension) 2024 was written to help educate consumers and financial advisors understand how life insurance companies underwrite hypertension. Our goal is to help everyone searching for life insurance with high blood pressure better understand how each life insurance underwrites and prices their risk…Read More An immediate family with a health history of heart disease can affect your life insurance rates depending on several factors. These factors include: Below we’ll put the best life insurance companies with a family history of heart disease (bypass, cardiomyopathy, heart attack, stent, etc.) and their underwriting guidelines. We’ll also post sample rates from the…Read MoreKey Points: If you are a smokeless tobacco user and are looking for a life insurance company that will not penalize you with a smoker rating, this article is for you. There are more than 700 life insurance companies in America and only a select few underwrite chew, dip and snuff users as non-smokers. Choosing…Read More Daily Marijuana Use and Life InsuranceMarijuana legalization has swept the country over the past decade. Recreational usage is now legal in 23 states and the District of Columbia, medical marijuana is currently legal in 38 states.Even with the prevalence of cannabis use in United States today, life insurance companies are still cautious in their underwriting of daily…Read MoreAre you looking for the cost for a $200k term life insurance policy? If so, you’re in the right place. Below we’ll go over the sample rates for a $200,000 term life insurance policy by age to show what is available today on the open market. These rates are pulled from several of the nation’s…Read More Once you reach your sixties, the children are typically grown and you may just be looking to protect your income for the next 10 years or so until you retire. Also, you may want to cover any outstanding mortgage balance. The good news is that if you are in average to good health the rates…Read MoreOnce you reach your fifties, life insurance coverage is still essential for most Americans to protect income and cover outstanding debts such as a mortgage. The good news is acquiring a new life insurance policy is still very affordable at this age. Below I will show you the best life insurance rates for someone in…Read More A $50k ($50,000) term life insurance policy is a popular amount of coverage in the United States today. Life insurance proceeds are income tax free, therefore a $50,000 policy is the ideal amount of coverage for many are looking for to replace their income or cover outstanding debts such as a mortgage in the event…Read MoreA $800k ($800,000) life insurance policy is a popular amount of coverage in the United States today. Life insurance proceeds are income tax free, therefore a $800,000 policy is the ideal amount of coverage for many are looking for to replace their income or cover outstanding debts such as a mortgage in the event of…Read More
