If you're a smoker shopping for life insurance you may have a few questions about life insurance for smokers.

Here's some of the most common questions consumers have about smoker's life insurance coverage.

• Do insurance companies test you for smoking?
• How do they test smokers for life insurance?
• Can I get life insurance without taking a smokers test?
• What if I tell the insurer I donut smoke when I actually am a smoker?
  

Here are answers to commonly asked questions about smoker life insurance to help ...
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Can I buy a life insurance policy on my elderly parents?

Yes, adult children can purchase life insurance coverage on their parents.

Why would you want to buy life insurance on your parents?

Well, maybe your parents don't have any life insurance of their own, or perhaps, they don't have the money saved to pay for their own funeral and burial costs.

Did you know that the average cost of a funeral and final expenses may exceed $8,000?

That's why it may be a good idea to purchase an affordable life in...
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How can seniors compare term life insurance quotes?

There's a few options seniors have for comparing prices on term life insurance coverage.

You could contact a local life insurance agent or independent broker with access to several insurance companies.

Or, you could call life insurance carriers direct to request a price quote.

Another option which is quick and easy without the hassles is to visit a life insurance quote provider on the internet.

Online life insurance quotes allow you to objectivel...
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If you take out a term life insurance policy and you out live the term then you will need to be aware of your options:

1. Your Life Insurance Premiums Will Increase. If you are nearing the end of your term and you want to continue your life insurance, you will need to pay a higher premium.

2. You Can Apply for a New Term Life Insurance Policy. If you are healthy at the end of your term life policy buy you want to continue your life insurance coverage, you can apply for a new po...

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To save money Buy your life insurance policy now.

Premiums for the same face amount of life insurance coverage increase the older you become. The longer you wait to buy your coverage, the more you risk developing a health issue that could increase your premium, or disqualify you from being able to purchase life insurance coverage.

If you want permanent life insurance but you're on a budget, term life or a combination of term and permanent may offer lower premium payments. An...

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There are three great reasons to shop online for life insurance.

1. Convenient - Shopping for life insurance has never been easier. You can get instant price comparisons and advice form the comfort of your own home or office any time of day or night, without having to meet with an insurance agent.

2. Quick - It only takes a few minutes to request and receive your free, instant life insurance quotes form several insurers without any obligation or hassles.

3. Save - You can save u...

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Term life is sometimes referred to as "temporary" life insurance because your coverage lasts for a specific period of time, it is not permanent.

Just like your auto or home insurance, term life is for a specific period of time. Most term life plans offer you the option of choosing your life insurance protection for a period (term) of 10, 15, 20 or 30 years. 

With a level term life insurance policy you would pay the same premium each year (or month), while the amount of life insurance you have r...
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