Posts tagged "Smokers"

Term life insurance questions and answers

Can I buy occupancy go insurance for my aunt who lives within CA?
I live in Florida and was in recent times wondering if I can purchase a term life insurance policy for my aunt within California? Will the term life insurance policy be within my name or her name, because I will be paying for the policy?…

How to find good term life insurance?
Looking to get life insurance on myself. Need to replace 70K per year income in the event of my death. Need to support my wife and 4 year old son. What type of insurance would be best, and what type of investment advice could be given for my family to invest…

I am having trouble understanding the different types of Life Insurance.?
My husbavd and I have been married for 5 years.I have started looking into life insurance now that we are on our feet. I am SO confused about term life insurance and “non” term life insurance. My husband doesn’t want to deal with it because he “doesn’t…

Is it true that a occupancy vivacity insurance plan doesnt recompense out tthe full policy amount when you die?
example…my term ploicy is worth 30000. when i die, will the whole 30000 be given to me? occupancy type – renewable and convertible also, which company has the best term plans? As a common rule term life insurance policies…

I’ve just had a baby boy, and my girlfriend and I need term life insurance, can you help me find a great deal?
I live in Texas-San Antonio, I am 19 and she is 19 and we are both non-smokers in good health, we are full time college students, we have a very limited income, and even more…

Should I unload my Variable Life Insurance?
I have had this variable term life insurance policy for almost 10 years now and it hasn’t kept up with the projections the sales guy told me 10 years ago. This is mainly due to the high fees. About 55% of my yearly contribution is lost in “fees”. There would be…

What is a GTL plan?
GTL PLan is a Voluntary Group Term Life Plan provided by an employer for their employees. The employer buys a master policy and issues certificates to the employees evidencing coverage under the group life insurance policy. Group term life insurance is usually issued as yearly renewable term insurance. Employers may pay all…

Any disadvantages to having two (20 & 30 yr) term life insurance policies for half the amount each?
This is in place of one 30 yr term life policy for the entire amount. We have quotes that show a lower combined premium when we split the policies; by about 0 a year. Insurance is for 41 year old…

What’s better term life insurance or Variable Universal life insurance?
As an Insurance professional, I would be wrongly stating if one or the other was better. Both serve a purpose; which should be to replace income if a loss of life situation occurs. Term Life Insurane – The Pros – It is less expensisive than VUL so…

What’s the best term life insurance to go with?
I think I need around 0K. I’m 47. Healthy. Don’t smoke. Best company? Cheapest? There are so many choices out there its confusing. Not all companies write in all states. Your best bet is to contact a local, independent agent who can give you quotes with a variety of…

Which company has the best term life insurance premiums for a 47 yr old healthy man?
There are a few ways you can find out which companies have the best term life insurance premiums for a 47 yr old healthy man: 1) Look in the yellow pages for an insurance agent specializing in life insurance who can…

Which life insurance is better? Any ideas on ROP?
I am 28 years old/non smoker/good health/no existing health conditions. I am looking into get a life insurance policy. I am more inclined to get a term life insurance, but I heard about this ROP(return of premium)., do any of you have any advice regarding this kind of policy….

Why are metlife, prudential, and New York life allowed to keep selling whole life, variable life, and other bs
This goes out to all the idiots who answered me before saying take your personal problems elsewhere, or i was dooped for having a 5th grade education. But actually i have 0,000 term life insurance, max out my Roth…

Best term length for life insurance?
Looking to get term life insurance in the wake of a growing family. I’m 27 and looking to cover for my wife and daughter. So what is the best term length to be looking at? Most default to 10 or 20, although they seem to be out there up to 30 years….

Can I buy occupancy go insurance for my aunt who lives within CA?
I live in Florida and was in recent times wondering if I can purchase a term life insurance policy for my aunt within California? Will the term life insurance policy be within my name or her name, because I will be paying for the policy?…

How to find good term life insurance?
Looking to get life insurance on myself. Need to replace 70K per year income in the event of my death. Need to support my wife and 4 year old son. What type of insurance would be best, and what type of investment advice could be given for my family to invest…

I am having trouble understanding the different types of Life Insurance.?
My husbavd and I have been married for 5 years.I have started looking into life insurance now that we are on our feet. I am SO confused about term life insurance and “non” term life insurance. My husband doesn’t want to deal with it because he “doesn’t…

Is it true that a occupancy vivacity insurance plan doesnt recompense out tthe full policy amount when you die?
example…my term ploicy is worth 30000. when i die, will the whole 30000 be given to me? occupancy type – renewable and convertible also, which company has the best term plans? As a common rule term life insurance policies…

I’ve just had a baby boy, and my girlfriend and I need term life insurance, can you help me find a great deal?
I live in Texas-San Antonio, I am 19 and she is 19 and we are both non-smokers in good health, we are full time college students, we have a very limited income, and even more…

Should I unload my Variable Life Insurance?
I have had this variable term life insurance policy for almost 10 years now and it hasn’t kept up with the projections the sales guy told me 10 years ago. This is mainly due to the high fees. About 55% of my yearly contribution is lost in “fees”. There would be…

What is a GTL plan?
GTL PLan is a Voluntary Group Term Life Plan provided by an employer for their employees. The employer buys a master policy and issues certificates to the employees evidencing coverage under the group life insurance policy. Group term life insurance is usually issued as yearly renewable term insurance. Employers may pay all…

Any disadvantages to having two (20 & 30 yr) term life insurance policies for half the amount each?
This is in place of one 30 yr term life policy for the entire amount. We have quotes that show a lower combined premium when we split the policies; by about 0 a year. Insurance is for 41 year old…

What’s better term life insurance or Variable Universal life insurance?
As an Insurance professional, I would be wrongly stating if one or the other was better. Both serve a purpose; which should be to replace income if a loss of life situation occurs. Term Life Insurane – The Pros – It is less expensisive than VUL so…

What’s the best term life insurance to go with?
I think I need around 0K. I’m 47. Healthy. Don’t smoke. Best company? Cheapest? There are so many choices out there its confusing. Not all companies write in all states. Your best bet is to contact a local, independent agent who can give you quotes with a variety of…

Which company has the best term life insurance premiums for a 47 yr old healthy man?
There are a few ways you can find out which companies have the best term life insurance premiums for a 47 yr old healthy man: 1) Look in the yellow pages for an insurance agent specializing in life insurance who can…

Which life insurance is better? Any ideas on ROP?
I am 28 years old/non smoker/good health/no existing health conditions. I am looking into get a life insurance policy. I am more inclined to get a term life insurance, but I heard about this ROP(return of premium)., do any of you have any advice regarding this kind of policy….

Why are metlife, prudential, and New York life allowed to keep selling whole life, variable life, and other bs
This goes out to all the idiots who answered me before saying take your personal problems elsewhere, or i was dooped for having a 5th grade education. But actually i have 0,000 term life insurance, max out my Roth…

Best term length for life insurance?
Looking to get term life insurance in the wake of a growing family. I’m 27 and looking to cover for my wife and daughter. So what is the best term length to be looking at? Most default to 10 or 20, although they seem to be out there up to 30 years….

More insurance questions please visit : InsuranceFreeFAQ.com

Marijuana and your Life Insurance

Jack the Lifeman discusses the effect of smoking Mairjuana and how it can effect you toronto life insurance rates. He will offer you each life insurance quotes for smokers and non smokers. Jack Bendahan educates you in what takes place if you quit smoking marijuana, and the impact it has on your life insurance.
Video Rating: 1 / five

Life insurance for Medical Marijuana user?

Question by yupyup: Life insurance coverage for Medical Marijuana user?
Is it achievable to get a wholesome (greatest rate) well being insurance for a CA, medical Marijuana user? I use everyday for insomnia (before bed) and hate to believe i have to cease the medication for a couple of months to get a excellent quote. I am in wonderful form (marathon runner) and in my late thirties. I know that some of you who balk at Medical Marijuana but that not the debate.(so leave these “you should take drugs” comments out. I just wanna know who I can make contact with (and be honest with my use) and not get a “smokers rate” I don’t even smoke it when i take it.

Finest answer:

Answer by Christian D
Medical marijuana is OK because it is approved by a physician

Don’t forget that it is also a stimulant, so you may want to extend your sleeping time, as aspect of your sleep will be nonetheless “awake”, its complex, but you don’t want to uncover out the difficult way

Know far better? Leave your very own answer in the comments!

Life Insurance: Which companies out there are the “top rated” in perspective of service *AND* price ?

Question by mbmeyer5447185: Life Insurance: Which organizations out there are the “best rated” in point of view of service *AND* price tag ?
With so numerous firms and web sites to pick from, how does the average individual know which business has the finest service–along with reputation ? In addition… Is ‘Primerica’ truly the “leading of the line” as they claim to be ??

Best answer:

Answer by mbrcatz17
I wouldn’t acquire Primerica. JMO.

Pricing varies wildly. A single organization may be finest for rated men and women, one for smokers, 1 for 30 year olds. So it is impossible to rate based on cost.

You really require a local, independent agent to shop about, and get you five or 6 quotes from a variety of a rated carriers.

What do you think? Solution below!

Homeowners Insurance Quote – How to Get the Best Rate

Home owners insurance is an integral part of our lives. If the devastating happens, you don’t want to lose everything you own and have to start over. Homeowners and/or renters insurance will help you out in the event the worst ever does happen.

There are several ways to keep the cost of your home owners or renters insurance lower. One way is to comparison shop.

Comparison shopping is very easy to do, especially using the internet. You just have to go to the website of several insurance companies, fill in some data on questions they will ask, and you will receive the quotes online. If you have questions there is often an agent on duty that can answer them online or on the phone. You can save a great deal of money by comparing quotes and it is always worth the time you take in research.

Another avenue for savings is to consolidate your auto and homeowner’s insurance. Many companies will give you up to a 30% discount on your home owner’s insurance if you insure your other valuable with them. It also makes it much easier to be dealing with only one agent.

One thing that many people do is raise their deductible. Your deductible is the amount that you have to pay yourself before the insurance company has to pay anything. Raising your deductible can alter the price of your policy considerably. Many homeowners will set their deductible for $500. Changing that to $1000 will save you about 25% each year on your premiums. Increasing your deductible to $2500 can increase the savings on your premium as much as 35%. With just a few years with no losses your savings can be significant.

Installing home security devices will also lower your premium. Simple things like having deadbolt locks, fire extinguishers, smoke detectors, fire alarms or burglar alarms can decrease your policy from 5% to 25%.

Finally you can request a discount. There are often discounts for military personnel, single parents, non-smokers, seniors and law enforcement officers, as well as many others. It never hurts to ask and may save you a great deal of money in the long run.

Drew Montgomery
http://www.articlesbase.com/insurance-articles/homeowners-insurance-quote-how-to-get-the-best-rate-555199.html

Florida Homeowner’s Insurance Quotes – Where to Get the Cheapest

Your Florida home is among the largest purchases you’ll ever make. You want to protect it with homeowner’s insurance, but without spending too much. Where can you get the cheapest Florida homeowner’s insurance quotes?

The answer is no further away than your computer. You can go online to insurance websites and get fast Florida homeowner’s insurance quotes. At many sites, you can complete your insurance information one time and get fast quotes from many different insurance companies.

Information you need to get started

You’ll need some basic information at hand before you can go online and get your Florida homeowner’s insurance quote:

* Square footage of your home

* Year your home was built

* How far away the nearest fire hydrant is

* Construction details about the home, such as the type of foundation, walls, and roof

* Limits of coverage you want

* Deductibles you want

* Safety features such as deadbolts, smoke alarms, fire extinguishers, and security systems

Tips for getting the cheapest Florida homeowner’s insurance quotes

To get the cheapest Florida homeowner’s insurance quotes, follow these tips:

* Set your deductible as high as you can afford. The deductible is the amount you pay on a claim before the insurance starts to pay. The default deductible on Florida homeowner’s insurance quotes is usually $250, but if you can raise it to $500 or even $1,000, you’ll save up to 25% on your premium.

* Don’t set your coverage limits too high. Take an inventory of your belongings and get an estimate of how much it would cost to rebuild your house.

* Get all the discounts you qualify for. Florida homeowner’s insurance companies typically offer discounts for multiple policies with the company, non-smokers, senior citizens, and security features. Ask if the company offers any other discounts.

Making your final decision

Once you have several Florida homeowner’s insurance quotes, you’ll need to choose a company. Remember that the cheapest quote is not always the best.

Go to the Florida Department of Insurance website and see how many complaints customers have made against the company. Also go to the company website and see if it is informative and helpful. This information will help you choose the cheapest Florida homeowner’s insurance quote with the best company for you.

Visit http://www.LowerRateQuotes.com/homeowners-insurance.html or click on the following link to get Florida homeowners insurance quotes from top-rated companies in your area and see how much you can save. You can get more homeowners insurance tips by checking out their “Articles” section.

ryan@thesatellitetvguide.com
http://www.articlesbase.com/insurance-articles/florida-homeowners-insurance-quotes-where-to-get-the-cheapest-127885.html