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Sleep Apnea is Nothing to Snore About

By Byron Udell | 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, read on. As that old saying goes: “What you don’t know can hurt you.” And that’s especially true…

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Even With Heart Disease, You Can Still Get Life Insurance

By Byron Udell | March 3, 2016

Can you get life insurance if you have some history of heart disease? The answer might surprise you. 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 bump is due, in part, to people adapting healthier…

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The Lowdown on High Cholesterol and Life Insurance

By Byron Udell | March 1, 2016

What does 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…

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How Does Marijuana Use Affect Your Life Insurance Rates?

By Byron Udell | 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…

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

By Byron Udell | 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? The answer may surprise you. October is Breast Cancer Awareness Month.  There’s pink all over—in NFL games; on the streets; in the windows of buildings; and even in…

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6 Factors That May Raise Your Life Insurance Rates

By Byron Udell | March 3, 2014

What are the factors that raise life insurance rates? Here’s 6 items at the top of the list. 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…

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

By Byron Udell | December 31, 2013

Have you ever wondered why insurers boost your 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 following…

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Smoking Sends Your Life Insurance Premiums Sky High

By Byron Udell | April 18, 2012

Think smoking is cool? You know what’s NOT cool? Paying sky-high smokers rates for life insurance. 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 the years out of your life, you endanger others with the…

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What Does a Rated Life Insurance Policy Mean?

By Byron Udell | December 20, 2006

What’s a Rated Life Insurance Policy? Read on and find out. A rated life insurance policy is a policy that is also often referred to as a substandard policy. A person with less than average health or who has a high-risk occupation may receive a rated or substandard policy. This would result in a higher…

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

By Byron Udell | December 1, 2006

Can only U.S. citizens get life insurance. For the surprising answer, read on. Can I get life insurance if I am not a U.S. citizen? Yes, you may qualify, but only if you have a Green Card or Permanent Visa.  Most carriers also require that you have been living in the United States for at…

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