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

risk assessment

The Lowdown on High Cholesterol and Life Insurance

Blackboard with word

By McKenzy Bowers | March 1, 2020

What do cholesterol and life insurance have in common? Your cholesterol level is a major factor in how much you will pay for life insurance. To find out more, read on. Unless you’ve been living on your own private island with no Wi-Fi, you’ve probably heard by now that your cholesterol levels are a huge…

Read Article

6 Factors That May Raise Your Life Insurance Rates

number six painted on wooden doors

By McKenzy Bowers | April 17, 2019

Insurance costs vary and depend on a number of factors.  Age, sex, medical history, profession, and location are a few examples of the factors that go into calculating insurance premiums. Taking precautions and cutting out bad habits or improving on certain lifestyle shortcomings can result in lower rates.  Factors that can raise your life insurance premium…

Read Article

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

Portrait Of Multi-Cultural Office Staff Standing In Lobby

By McKenzy Bowers | March 27, 2019

Is there life insurance for non-U.S. citizens? For the surprising answer, read on. 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 short answer is…yes. You may qualify for a life insurance policy here in the U.S., but…

Read Article

What Does a Rated Life Insurance Policy Mean?

Pensive stylish businessman is making important task

By McKenzy Bowers | April 24, 2017

As we all know, insurance companies are in the risk assessment business. But not all risks are the same. Especially when it comes to life insurance. So insurance carriers quantify risk levels with a simple rating system. Life insurance rates classes Most life insurance carriers have four rate classes. Typically, the four primary rate categories…

Read Article

Sleep Apnea is Nothing to Snore About

It's Life Insurance Awareness Month. Stop procrastinating.

By McKenzy Bowers | March 10, 2016

Sleep Apnea can be a serious condition if it’s not treated. Do it for you. Do it for your life insurance. Yes, you could get better rates if your sleep apnea is more manageable. To learn more about sleep apnea life insurance options. As that old saying goes: “What you don’t know can hurt you.”…

Read Article

Even With Heart Disease, You Can Still Get Life Insurance

You can get life insurance, even if you've had heart disease.

By McKenzy Bowers | March 3, 2016

Can you get life insurance if you have some history of heart disease? The answer might surprise you. Find out more about heart disease life insurance options. Medical science is so cool. A century ago, our average life expectancy was about 50 years. Now add 25 more and we’re up to date. That quarter-century longevity…

Read Article

How Does Marijuana Use Affect Your Life Insurance Rates?

Do you know who your life insurance beneficiaries are?

By McKenzy Bowers | July 14, 2015

Even if you occasionally smoke marijuana, you may still be able to get life insurance at rates that won’t bum you out. To find out more, read on. If you’re a regular reader of this blog…and if you’re not, you should be!…then you know I’ve written about marijuana use and how it affects life insurance…

Read Article

If You Have Breast Cancer, Can You Still Get Life Insurance?

By McKenzy Bowers | October 27, 2014

October is Breast Cancer Awareness Month. One in eight women will develop breast cancer. But can you get life insurance if you’ve have or had breast cancer? Is there such a thing as breast cancer life insurance options? The answers may surprise you. October is Breast Cancer Awareness Month.  There’s pink all over—in NFL games;…

Read Article

Not-So-Secret Factors That Affect Your Life Insurance Rates

What affects life insurance rates?

By McKenzy Bowers | December 31, 2013

Have you ever wondered why insurers boost your life insurance rates? What exact personal information do insurance companies look for? To find out, read on. Ever wonder how your life insurance rated are determined? You could save some money by making a few changes to qualify for the best rates by keeping in mind the…

Read Article

Smoking and Life Insurance are Not a Good Combo

By McKenzy Bowers | April 18, 2012

Think smoking is cool? You know what’s NOT cool? Paying sky-high smokers rates for life insurance. In short, smoking and life insurance are not a good match. Although movies make smoking look really cool…and let’s be honest, it makes gangsters look pretty intimidating…the habit is nothing but a disaster. Not only does it literally suck…

Read Article