Is it possible for me to get life insurance if I have a health condition?

Yes, there are some life insurance policies available that may offer coverage for someone with certain health issues.

There are even "guaranteed issue" insurance policies offered to people ages 45 to 85. These are no exam plans that do not require you to answer any questions about your health. Your approval is guaranteed if you meet the age requirement.

Whether or not you qualify for a "fully underwritten" l...
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What are term life insurance price quotes and how do they work?

A quote for term insurance is an estimate of the annual cost for your term life policy based on the information you provide on the quote request form when requesting your life insurance quote.


You'll be asked some basic questions to get a free quote which may include your gender, age, state of residence, tobacco use, health, amount of life insurance coverage and duration of coverage needed.

Make sure you answer all questions truthfu...
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Can someone living with breast cancer get approved for life insurance?

Yes, there are insurers willing to insure people with breast cancer.

However, there are several factors that may go into your acceptance for coverage including your age, overall health, type of cancer, prognosis, treatment, etc.

Some insurers may be more competitive when it comes to insuring people who are breast cancer survivors or currently have breast cancer.

Here's how to learn about getting life insurance with breast cancer.



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If you're looking for a low cost life insurance plan to help you get the most protection at the lowest cost, you may want to follow a few tips:

Comparison Shop for the best rates among leading insurers.
Consider Term life insurance which cost a lot less than permanent insurance.
Get Healthy - Lower your cholesterol, lose weight, exercise and qualify for a better rate.
Drive Safer - People with DUI's and driving problems pay more for life insurance.
Quit Smoking - Smokers pay up to 2-3 times for fo...
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Is it possible for a smoker to get life insurance protection?

Yes, in fact, depending on how often you smoke, you may be able to qualify for good rates on your life insurance policy.

There are a few insurance carriers that are more lenient when it comes to classification of a smoker for life insurance and may offer better pricing based specifically on your actual frequency of smoking.

In addition, there is life insurance available for people who smoke cigarettes, e-cigs, pipes, cigars, marijuana...
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Will a life insurance policy pay for the cost of my funeral expenses?

Yes, the proceeds from life insurance can be sued by your beneficiary to help pay for the cost of your funeral.

However, the death benefit paid out to your beneficiary may be used by the beneficiary for any purpose that person chooses to use the money.

There are funeral insurance plans that are issued for the purpose of paying the cost of a funeral.

In addition, these plans may offer guaranteed approval which means you won't ha...
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If I own a life insurance policy and die from cancer, will me beneficiary receive a payout on my life insurance death benefit?

Yes, life insurance policies usually cover natural death and accidental death, but not intentional acts.

If you answered all questions truthfully on the application for life insurance, the insurer should pay out a claim on your policy subject to any exclusions in your policy.

However, if you had cancer when you applied for life insurance, and you did not advise the insur...
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Will my life insurance policy pay out a death benefit if I die as a result of an accident?

Yes, standard life insurance policies cover accidental death and natural causes.

However, intentional acts are usually excluded from coverage.

So, for instance, suicide is usually excluded if it occurs within the first two years you are insured (one year in some states).

But, there can be exclusions for certain high risk activities or occupations.

That's why it is a good idea to review all exclusions with yo...
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How is it possible that some life insurance policies can be so affordable?

Well, it really depends on the type and amount of life insurance, and your age, gender and health, among other things.

But, if you are young and generally health, you may qualify for really affordable rates on term life insurance which is temporary life insurance lasting for a duration between 10 and 30 years.

The shorter the "term' of your life insurance policy, the lower your annual cost of coverage.

Since few young peop...
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