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The Importance For Your Family

When you have people – parents, children, spouses or partners – relying on you for support, one of the best gifts you can ever give them is the gift of a secure future. Buying and maintaining a quality term or whole policy is an important and affordable way to protect your loved ones in the event of your death.

There are pros and cons to each type of coverage, and other options to consider before you buy, so make sure to read all about your choices in order to learn which one best suits your needs. When in doubt, speak with one of our specialists for even more information!

COMPARE RATES

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Tip #1: Buy Coverage While
You're Young

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Affordable Options
Term       Variable       Universal       Whole

No matter what sort of policy you seek, we can help you find the best rates for coverage. We are happy to work with people of all ages, regardless of their health, weight, or smoking history, and we pride ourselves in providing support and information on your choices from start to finish.

Cost Factors

Medically Fragile People

If you suffer from diabetes or other chronic problems, surely you know that it is possible to manage these conditions responsibly and maintain a very high quality of life at the same time.  Still, certain conditions can increase your risk of an untimely death, and you will have to face higher premiums in order to secure quality term or whole life coverage. 

To get the best possible rates, start thinking about insurance when you are still young.  Buying coverage as a relatively healthy 20-something (or even 30-something) is likely to result in cheaper policies than you would have if you waited much longer.  Additionally, ask for a renewable one if you are buying term.  This way, you will not face significant increases in cost when your period expires.

At the same time, if your medical problems are genetic, you may want to consider purchasing at least a small amount of coverage for your children, using a renewable policy, so that they will be able to increase their coverage as adults without the usual requisite health examinations.  This is one way you can look out for them and guarantee them lower premiums even if you cannot get those increased savings for yourself.

For Overweight Individuals

Obesity is a serious problem in the United States, leading to various chronic health problems and shortening many lifespans.  Insurers take into account your personal BMI when calculating your premiums, so the more overweight you are, the more you can expect to pay for coverage.  

Start shaping up now.  If you are seriously obese, consult with a doctor or nutritionist about the best way to manage your weight loss.  A healthy diet and solid exercise routines can help you shed pounds, as well as increasing your overall wellness. 

In the meantime, purchase term coverage that will last you many years and will allow you to renew at the end.  If your weight does not improve, your rates will only continue to go up as you age and face additional medical concerns, so the safest choice is to lock in the best pricing you can for as long as you may need it.

Smoking-Allowed Policies

Cigarette smoke and tobacco use are associated with many health complications including cancers, heart problems, and lung diseases like emphysema.  Even if you are not the victim of one of those things, smoking can reduce your lifespan drastically, and so life insurance companies charge higher premiums for smokers than for others because of the increased risk that the policy holder will die during the term of coverage. 

It is extremely important that you be honest about your habit when you sign up; lying could void your entire benefit and jeopardize your loved ones' financial security.  However, you can start getting better rates soon if you give up your cigarettes or tobacco.  The more years you have smoke-free, the lower your premiums will get.  It is never too late to the reap the insurance – and health – benefits of a healthier life.