Speak to a Live Person.    Call 800-442-9899

Q & A

Can I Get Non-Smoker Life Insurance Rates if I’m Only Vaping?

By Byron Udell | March 14, 2017

In recent years, some cigarette smokers have switched to a more socially acceptable form of nicotine delivery – the e-cigarette. So, since these electronic alternatives (such as vaping) are lower in toxins than traditional tobacco cigarettes, can you get better rates for life insurance than if you smoke regular cigarettes? In certain circles, cigarette smoking…

Read Article

Can I Get Life Insurance if I Smoke Marijuana?

By Byron Udell | March 14, 2017

With the recent stories in the news regarding the loosening of some laws (in certain states) pertaining to the recreational or medical use of marijuana…do pot smokers now have a better chance at getting life insurance? Here’s the latest dope on the subject. In the not-so-distant past, being a marijuana smoker meant that most of…

Read Article

What Is Breach of Utmost Good Faith?

By Byron Udell | March 10, 2017

When it comes to buying life insurance, honesty is the best policy. A “breach of utmost good faith” to your carrier can have catastrophic consequences to your coverage. To find out more, read on. Insurance, like most contracts between consumers and a business, is built on trust. A common law principle, “utmost good faith,” is…

Read Article

Do You Have a Family Survivor’s Guide? (Part 2)

By Byron Udell | February 21, 2017

When a loved one dies, there are many legal matters that typically need to be dealt with rather quickly. In Part 1 of this two-part article, we talked about creating a “Family Survivor’s Guide” as an efficient way to organize important documents, in the event of a family member’s unforeseen death. In Part 2, we…

Read Article

Do You Have a Family Survivor’s Guide? (Part 1)

By Byron Udell | February 17, 2017

If you were to suddenly die, would those who are left behind know what to do next? If not, you might want to consider creating a “Family Survivor’s Guide” for your loved ones. In Part 1 of this informative two-part article, we’ll talk about how to do just that. There’s an old expression: “It’s better…

Read Article

Should You Have a Contingent Life Insurance Beneficiary?

By Byron Udell | January 31, 2017

So what’s your life insurance beneficiary back-up plan? Consider listing a Contingent Life Insurance Beneficiary on your policy. It’s the smart thing to do. When you buy a life insurance policy, you must designate a beneficiary to receive your death benefit. The most common primary beneficiary is typically the spouse of the insured. So the…

Read Article

Can Diabetics Get Better Rates on Life Insurance?

By Byron Udell | May 17, 2016

Are you a diabetic? Do you have life insurance? If not, there’s some good news. Diabetics may now be able to get better rates for life insurance. To learn more, read on. Did you know that actor Tom Hanks, singer Patti LaBelle and tennis legend Billie Jean King all have Type 2 diabetes? Diabetes is…

Read Article

Can Colorectal Cancer Survivors Get Life Insurance?

By Byron Udell | April 21, 2016

Colorectal Cancer can be successfully treated. But can you still get affordable life insurance? Put plainly, Colorectal Cancer is a pain in the butt. (Pardon the pun.) According to the Centers of Disease Control and Prevention, Colorectal Cancer is the 2nd leading cancer killer in the U.S. Colorectal Cancer is a cancer that affects the…

Read Article

Can Breast Cancer Survivors Get Life Insurance?

By Byron Udell | April 14, 2016

Surviving breast cancer can be empowering. But does that empowerment also pertain to purchasing affordable life insurance? Breast cancer is the 2nd most common cancer diagnosed in women in the U.S., after skin cancer, according to the Mayo Clinic. Because of early detection and improved cancer research, millions of women are surviving breast cancer. And…

Read Article

Can Prostate Cancer Survivors Get Life Insurance?

By Byron Udell | April 7, 2016

More men are surviving prostate cancer. But can you still buy affordable life insurance? For some answers, read on. For many men over a certain age, getting an annual physical exam is no big deal. Except for one particular test. And if you’re a male, you know what test I’m talking about. Your doctor usually…

Read Article