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[VIDEO] 5 Things You Didn’t Know About Life Insurance Underwriting

number 5 painted on a plate bolted to a metal door

By Selene Garcia | January 30, 2019

Whether you’re in the midst of the underwriting process or simply considering purchasing a life insurance policy, there are 5 facts you should know about life insurance underwriting. But if you have only one take-away from this it’s, don’t lie. Be upfront and honest because the consequences can be severe – including your family being…

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Quitting Smoking Lowers Life Insurance Rates

Cigarette standing on filter burned down with tall ash

By Byron Udell | August 5, 2017

If you’re annoyed that smokers pay more for life insurance, there’s a simple solution…quit! Think life insurance for smokers is expensive? Smokers end up paying at least two times more than their healthier, non-smoking counterparts in life insurance policy premiums. Yes, we said at least. There is no leeway when it comes to smoking and the…

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

Is there life insurance for non-U.S. citizens?

By Byron Udell | May 9, 2017

Is there life insurance for non-U.S. citizens? 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?

Pensive stylish businessman is making important task

By Byron Udell | 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…

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

Can you apply for life insurance 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? Can you apply for life insurance in jail? Read on and find out. [Editor’s Note: This post was originally published on December 8, 2009, and has been completely revamped and updated.]…

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3 Easy Ways to Lower Life Insurance Premiums

Helpful Tips text with glowing light bulb on wood texture

By Byron Udell | July 30, 2016

Think life insurance rates are too high? Follow these tips to lower life insurance premiums. Get healthy! It’s the easiest way to get significant reductions in life insurance premiums, but perhaps the hardest.  What lifestyle changes can you make in order to get cheaper life insurance premiums? For starters, quit smoking if you currently smoke. Smoker…

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Sleep Apnea is Nothing to Snore About

It's Life Insurance Awareness Month. Stop procrastinating.

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 about sleep apnea life insurance options. As that old saying goes: “What you don’t know can hurt you.”…

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Even With Heart Disease, You Can Still Get Life Insurance

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

By Byron Udell | 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…

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The Lowdown on High Cholesterol and Life Insurance

Is the Life Insurance medical exam dead?

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?

Do you know who your life insurance beneficiaries are?

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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