life insurance rates online

Getting Life Insurance Rates Online

It’s important to take a look at why the life insurance is being purchased before purchasing life insurance. Term life is generally purchased so that a large amount of coverage will be available for a fairly low premium. This is a wise choice for a family with young children, especially if one spouse stays home to care for the children while the other spouse is the breadwinner. Should something happen to the breadwinner the spouse who stayed home is going to have to find a job and make ends meet in some fashion until the children leave home. This is when life insurance is very handy to have available. Final expenses can be a huge burden as well and to have this insurance on hand will make the transition just a little bit less stressful for the family.life insurance rates online

On the other hand, there is permanent life insurance which is also called whole life. This is more expensive, but it also has some benefits to it that term life does not have. Whole life will cover a person up to the age of 100. In today’s modern medical world more and more people are living to this age so it is important to have something on hand for those final expenses. Another advantage to whole life is that the policy can be borrowed against should an emergency arise. The premiums will remain the same throughout the life of the policy as well.

Getting Cheap Life Insurance Rates Online

The most interesting part about life insurance, is that only about 1 percent of term life insurance holders ever claim their benefits. While that may seem shocking, it is important to remember that there is a certain peace of mind just knowing that that insurance is in place should something happen to the main breadwinner of the household. A good comparison is that many people purchase fire insurance and never need it, but just knowing it is there should they need it is a good peace of mind.

Whole life insurance is always claimed and used 100 percent of the time. A well planned out life insurance program will help a family to have peace of mind should the unexpected happen so get your life insurance rates online today.

cheap auto insurance

Choosing Cheap Auto Insurance

Everyone wants to look into every available option when it comes to cheap auto insurance, not only to be sure that the best coverage is secured but also the best possible rates. If you are willing to take the time to do the research, you are going to be able to find a great deal and coverage that will give you all of the peace of mind that you could ever ask for.cheap auto insurance

According to the laws in most states, it is required for any motorist to have not only property damage liability as well as personal injury coverage that totals at lease $10,000. Depending on the budget that you have to work with, you may also want to think about adding bodily injury liability to your your policy if you are ever in an accident where someone sustains injuries. This is quality coverage that will take care of all of the basics for you, but if you happen to have a newer model car or a loan out, you will more than likely need to add both comprehensive and collision insurance. When you add these two facets, you are going to see that your cheap auto insurance rates are going to become higher.

There are also portions of the laws that will tell you that an insurance provider must be able to give you no-fault insurance. This means that the provider will have to pay for any injury claims no matter who may have been the party at fault in any given accident.

Finding Cheap Auto Insurance Rates

By looking around online, you are going to find all sorts of information on cheap auto insurance rates, your coverage options and all of the different providers within the state to choose from. While you are looking around, you will be able to get quotes from the different insurance companies detailing the coverage that they offer along with any policy benefits and the pricing that you will have to pay. From there, you can also ask around to any of your friends, family members and co-workers to see if they have any good recommendations for you.

life insurance for smokers

Is It Wise For Smokers To Get Life Insurance?

All insurance companies will charge higher premiums for any life insurance policy contracted by an individual who either smokes cigarettes or uses tobacco in any other form. The reason why this happens is simply statistics. Smokers have a higher risk of developing diseases that will require medical attention, so insurance companies have higher chances to lose money on such policies.

life insurance for smokersAs smokers and other tobacco users have on average a shorter life span than the general population, they are perceived as a high risk group by insurance companies, thus their premiums are higher for the same coverage, compared to the average person.

If we look back in time a little bit, we see that before World War II, lung cancer was almost unknown, even among doctors. People suffering from it were very rare. At the same time, smoking tobacco cigarettes was not such a widespread habit like today.

During the war, smoking gained a lot of popularity and soon it became the new fad. Everybody smoked, actors in movies were shown smoking cigarettes, it was such a fancy habit one could not ignore if they wanted to be perceived as modern and cool. With this habit, lung cancer also came and brought a lot of early deaths, making doctors start question this new habit that put the whole world on fire.

Getting Life Insurance as a Smoker

It has been demonstrated that smoking can lead to an increase of the blood pressure and to a weakening of the heart muscle. Smokers who want to get a life insurance policy should quit smoking and stay clear for at least one year before they can enjoy smaller premiums. If you are a smoker and you get life insurance with the big premiums, you can still let the insurance agent know about the fact you quit, but you’ll need to wait 12 months since the day you stop smoking before applying for a reduction of your premiums.  There are also agents like Taik Insurance associates who specialize in getting lower rates on life insurance for smokers.

If you didn’t know it, find out that it surely pays off to contract life insurance as a non-smoker. Smoker rates can be as much as 40% higher, so it’s easy to do the math and take the right decision.