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Underwriting

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…

Brian McHale - Independent Licensed Agent on January 22, 2021 last updated on September 19, 2023

12 best life insurance companies high blood pressure (hypertension) 2023, all health classes

12 Best Life Insurance Companies for High Blood Pressure 2023

Our guide on the 12 best life insurance companies with high blood pressure (hypertension) 2023 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…

Brian McHale - Independent Licensed AgentPosted in Underwriting on September 18, 2023 last updated on September 21, 2023

Family history heart disease life insurance underwriting and rates top companies

11 Best Life Insurance Companies With A Family Health History of Heart Disease-Expert Rated

An immediate family with a health history of heart disease can affect your life insurance rates depending on several factors. These factors include: Below I’ll put the 11 best life insurance companies with a family history of heart disease (heart attack, bypass, stents, etc.) and their underwriting guidelines as well as sample rates from the…

Brian McHale - Independent Licensed AgentPosted in Underwriting on September 15, 2023 last updated on September 19, 2023

Life insurance for dip, chew, snuff users, best companies and sample rates, non-tobacco

5 Best Life Insurance for Smokeless Tobacco Users

Key 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…

Brian McHale - Independent Licensed AgentPosted in Underwriting on September 7, 2023 last updated on September 19, 2023

Life Insurance for Daily Marijuana Users

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…

Brian McHale - Independent Licensed AgentPosted in Underwriting on August 19, 2023 last updated on September 7, 2023

$200,000 term life insurance (10-40) years

How Much Does $200k Term Life Insurance Cost?

Are 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 rates for a $200,000 term life insurance policy by: age (20-70 years old), health class (Preferred Plus, Preferred, Standard Plus and Standard) and term duration (10 to 40 year level…

Brian McHale - Independent Licensed AgentPosted in Life Insurance Face Amount on August 15, 2023 last updated on September 15, 2023

Best 10 Year Term Life Insurance Rates In Your Sixties (60s)

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…

Brian McHale - Independent Licensed AgentPosted in Term Life Insurance on August 14, 2023 last updated on August 25, 2023

Best 20 Year Term Life Insurance Rates In Your Forties (50s)

Best 20 Year Term Life Insurance Rates In Your Fifties (50’s)

Once 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…

Brian McHale - Independent Licensed AgentPosted in Term Life Insurance on August 13, 2023 last updated on September 12, 2023

$50k Term Life Insurance Policy, term life, whole life and no-exam

How Much Does A $50k Term Life Insurance Policy Cost?

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…

Brian McHale - Independent Licensed AgentPosted in Life Insurance Face Amount on August 12, 2023 last updated on September 13, 2023

$800,000 no exam, term life and whole life

How Much Does A $800k Life Insurance Policy Cost?

A $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…

Brian McHale - Independent Licensed AgentPosted in Life Insurance Face Amount on August 11, 2023 last updated on September 13, 2023