Category Archives: Health

What’s your Medical IQ?

Hopefully your doctor knows you well, at least the information relevant to your health, after all that is part of the job description. Can you say the same for how well you know your doctor? While you may think that knowing about your doctor isn’t part of your job as an educated consumer, the fact is that staying in the dark can cost you in terms of your health and … Read More

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E-Cigarettes, Tobacco Products and How They Might Affect Your Life Insurance Rates

One of the fastest growing trends currently in the tobacco industry is the E-cigarette. You’ve most likely seen these pen-like devices with a glass chamber being used in public or perhaps you own one for yourself. While the rise in popularity of the E-cigarette is relatively new, the product itself has been around since the early 2000s. The first E-cigarette was produced in China, closely resembling a real cigarette in … Read More

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Term Life Insurance for Diabetics

A key factor in determining a life insurance premium is the applicant’s health. The better your health, the lower your premium. But there’s more… it’s not actually quite that simple. Those with a family history of certain health conditions or those with current chronic health issues are considered a “higher risk” to insurance companies and therefore are usually quoted a higher premium. This fact can lead many diabetics to think … Read More

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The “Premium” Cost of Smoking

It’s no secret, smoking is a bad habit… not just because of the health risks but because of the financial consequences. Smokers pay higher life insurance premiums than non-smokers. Why? Because life insurance companies base your premium on the type risk you present. Statistically, a smoker’s life expectancy is ten years shorter than that of a non-smoker, thus smokers present a higher risk of dying sooner and the company would theoretically have to pay … Read More

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How to Lower Your Life Insurance Premium

There are three main factors that come into play when an insurance company is determining your premium: Your age: Usually the younger you are when you first sign up for life insurance, the lower your premium. This is why we advise to sign up in your 30s! Your family medical history: Sorry, there’s nothing you can do about your history, but if you want your children and grandchildren to have … Read More

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