High Risk

Life Insurance Approval with a Felony Conviction (Yes, it can be done)

Written by Ty Stewart

Yes, most life insurers are going to ask about a felony conviction if you are applying for a traditional fully underwritten insurance policy. It seems logical that if a life insurer is going to check your driving record, they will most certainly check for felony convictions. It’s all part of the underwriting process that determines whether…

How Your Driving Record (MVR) Affects Life Insurance Rates

Written by Ty Stewart

We get it. Nobody is perfect. 8 people are slapped with speeding tickets every minute in the US. A simple speeding ticket may not seem like a big deal. “I’m a safe driver” you are thinking. The truth: Your life insurance company will care…..

Life Insurance and Alcohol Abuse: Can I Get Approved?

Written by Ty Stewart

You have put your alcohol issues in the past and should be commended. We are NOT here to tell you the risks of alcohol abuse. I think you are well aware and I don’t want to insult you. It is, however, important to understand how the insurance carriers look at this risk….

Life Insurance After a DUI or DWI: 6 Important Questions Answered

Written by Ty Stewart

Expect to pay more for your life insurance if you have a DUI on your driving record. Some of you reading this may have already been declined altogether or been told by another agent that you can’t get coverage. However, all hope is not lost. You can get affordable….

Life Insurance for E-Cigarette Smokers: Vape ‘Em If You Got ‘Em

Written by Ty Stewart

On the surface, this may seem absurd. E-cigarettes are not tobacco, so one should not have to worry about them carrying the same health risks. There are really 2 reasons why most insurers have thus far refused to consider vaping and e-cigarettes separately…..

Life Insurance and Marijuana: How to Pay Cheap Rates

Written by Ty Stewart

What’s the big deal, it’s just a little weed, right? Can I still get affordable life insurance rates if I smoke pot? Lucky for you, the answers to those 2 questions are pretty favorable these days. In this article, we’ll explore everything you need to know….

Life Insurance for Skydivers: Jump for Affordable Rates

Written by Ty Stewart

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 with Drug History: Hope Exists for Low Rates

Written by Ty Stewart

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 and Chewing Tobacco: Same as Cigarettes?

Written by Ty Stewart

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 for Rock Climbers: Get a Grip on Good Rates

Written by Ty Stewart

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….

Life Insurance for Cigar Smokers: Celebrate Low Rates!

Written by Ty Stewart

If you are one of these self-proclaimed aficionados who enjoys lighting up a Cohiba every now and then to celebrate a special occasion or accomplishment, fear not. You can still obtain good life insurance coverage without getting raked over….

Life Insurance for Dangerous Hobbies: Get Fair Rates

Written by Ty Stewart

Just because you participate in a dangerous hobby doesn’t mean you have to settle for cut-rate insurance or inadequate insurance limits. You will still want to locate the most competitive rates for your situation….