Reader’s Question: What kind of life insurance policy here in Georgia should I buy if I am a heavy smoker? And would I also be considered a smoker by chewing tobacco? Sinead Atlanta, GA One of the things that you should remember as a smoker is that regardless of what kind of life insurance policy [...]

Reader’s Question: How does life insurance companies compute life insurance rates? I was talking to some life insurance agents here in South Carolina and all of them quoted higher rates for me. A friend told me its because I’m a smoker, is this true? Desmond Columbia, SC There are a lot of factors used to [...]

Reader’s Question: How can I buy a no exam life insurance in New Jersey? Ashley Newark, NJ Non medical exam life insurance is also called as no exam life insurance. Because life insurance companies want to avoid risks, they ensure that their customer is in good health or in fairly good health by taking a [...]

Reader’s Question: What are the benefits for choosing to get a Whole Life Insurance Policy from an agent here in Ohio? June Cincinnati, OH Whole life insurance policies are best for individuals nearing retirement age, and is looking into building up cash-value towards their money in the future. With this kind of policy you get [...]

Reader’s Question:   I live here in Kansas and I am wondering if you would recommend that I get a No-Exam Life Insurance Policy?   Albert   Kansas City, KS   Normally, I would only recommend a No-Exam or guaranteed Life Insurance policy if you have been denied life insurance coverage multiple times there in [...]