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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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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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Quitting Smoking Lowers Life Insurance Rates

By Byron Udell | August 5, 2013

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 premiums. Yes, we said at least. There is no leeway when it comes to smoking and the life…

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3 Easy Ways to Lower Your Life Insurance Premiums

By Byron Udell | July 30, 2013

Think life insurance rates are too high? Follow these tips to lower your 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 rates…

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Insurable Interest Explained

By Byron Udell | October 28, 2008

What is Insurable Interest? A lot of people often ask the question, “what is insurable interest and why is it a must have when buying a life insurance policy?” For purposes of life insurance policies, everyone is considered to have an insurable interest in their own lives and in the lives of their spouses and…

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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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