Life Insurance Child Riders: Everything You Should Know

A child rider allows you to add life insurance for your child onto your basic policy. While no one wants to ever think of losing a child, the situation does result in financial consequences along with the emotional devastation....

Life Insurance with Colon Cancer: 8 Things you MUST Know

Not all that long ago, a diagnosis of colon cancer virtually guaranteed an automatic decline when applying for life insurance. Times have changed, so that’s no longer the case....

Life Insurance for Skydivers: Jump for Affordable Rates

When you are an extreme hobbyist, and the thought of jumping out of an airplane at 12,000 feet going 115 mph makes you jump for joy, it may be a little difficult to see an insurance company’s point of view on skydiving....

Life Insurance Options for Grandchildren

You’ve already given so much to your grandchildren and have impacted their lives in more ways than you can know. Long after you’re gone, the memories and legacy you’ve created will live on forever. What better way to add to that legacy than giving the gift of....

Life Insurance with Drug History: Hope Exists for Low Rates

If you currently use illicit drugs or have used in the past, you might be wondering how this will affect your application for life insurance. Maybe you’ve already applied for life insurance but got declined because of your drug history....

Life Insurance for Special Needs Children: A Difficult Topic

What some parents really struggle with when thinking about purchasing life insurance for special needs children is the possibility that they might live longer than their child. No parent wants to even fathom the thought that they might outlive their child. However, depending on your child’s disability....

Life Insurance with Arthritis: 3 Things to Remember

First, life insurance companies will look at what type of arthritis you are diagnosed with. The two most common types of arthritis are osteoarthritis and rheumatoid arthritis....

Life Insurance for Diabetics: Factors That Affect Rates

Here’s what you need to remember: approval for a policy and the rate you qualify for depends on how controlled your diabetes is. Most life insurance companies will want to see your diabetes stable and well-controlled for at least 6 to 12 months....

Life Insurance and Chewing Tobacco: Same as Cigarettes?

One question we see often, is the following: “Does life insurance for chewing tobacco users cost the same as policies for smokers?” The Answer: It varies (I know, probably not what you wanted to hear)....

Life Insurance with a Family History of Cancer

It is well-known that life insurance companies look for active or previous cancer in every application they receive. Personal history of cancer is something life insurers take very seriously and can greatly affect an individual’s policy. But what about life insurance with a family history of....

Life Insurance for Stay at Home Moms: Do We Need It?

Almost anyone can recognize what an important role a stay at home mother has but few actually consider what the cost of these many services would be if performed by someone else....

Life Insurance for Rock Climbers: Get a Grip on Good Rates

Since no two climbers are the same, the insurance company will want to find out more about your hobby in order to charge you the right premium. This is a good thing for you so don't be scared....