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What Happens to Your Personal Debts After You Die?

By Byron Udell | May 22, 2017

The average American is carrying a personal level debt load of nearly $62,000. If YOU were to suddenly DIE, what happens to your personal debts? Good question. Did you know that most Americans die in the red? In other words, most people who leave this world exit it with a pretty hefty heap of debt….

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Does My Child Need Life Insurance?

By Byron Udell | May 9, 2017

Having a life insurance for your child could pay dividends in the long term. To find out more, read on. [Editor’s Note: This blog was originally published on August 24, 2006. The content has been updated.] For many of you out there, life insurance for children may be an unthinkable option. “My children aren’t earning,…

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What Is “To Age 100 Guaranteed Life Insurance?”

By Byron Udell | May 9, 2017

Can you really get guaranteed life insurance with level premiums to age 100? Sounds too good to be true? [Editor’s Note: This blog was originally published on March 29, 2007. The content has been updated.] To Age 100 Guaranteed Life Insurance plans offer a guaranteed level premium…to age 100, with a guaranteed level death benefit…

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Can I Get Life Insurance if I’m Not a U.S. Citizen?

By Byron Udell | May 9, 2017

Can only U.S. citizens get life insurance. For the surprising answer, read on. [Editor’s Note: This blog was originally published on December 1, 2006. The content has been updated.] Here’s a question we’re asked every once in a while here at AccuQuote: “Can I get life insurance if I am not a U.S. citizen?” The…

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What Does a Rated Life Insurance Policy Mean?

By Byron Udell | April 24, 2017

What’s a Rated Life Insurance Policy? If you don’t know what that term means, then you might find this blog informative. [Editor’s Note: This blog was originally published on December 20, 2006. The content has been updated and expanded.] As we all know, insurance companies are in the “risk assessment” business. But not all “risks”…

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Can You Get Life Insurance if You’ve Been in Jail?

By Byron Udell | April 4, 2017

Think you can get life insurance with a “get out of jail” card? Can having been in jail be a barrier to getting coverage? Read on and find out. [Editor’s Note: This post was originally published on December 8, 2009, and has been completely revamped and updated.] Nobody wants to spend time in jail. But…

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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…

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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 pot smoker meant that most of…

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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…

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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…

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