Reader’s Question: I heard that it’s possible to get life insurance without having to go through a medical exam. If that’s possible then I’m very much interested in getting it through that way. Can you tell me how can I get one? Thanks! Ivy Austin, TX That’s correct Ivy. Buying life insurance without you having [...]

Readers Question: Can I get life insurance coverage without having to go through a medical exam here in Massachusetts? Roma Cambridge, MA Good question. Yes! These days there are many life insurance providers that allow you to buy No-Exam life insurance coverage. This trend is actually quite recent, created by the need of insurers to [...]

Reader question: Can I compare rates for no exam life insurance coverage online as a smoker? Rick Thanks for asking, Rick. As a smoker, if you compare rates for no exam life insurance coverage online, then you might get a preferable rate to what you would have been getting with an offline life insurance company [...]

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 [...]