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Why Vaping Increases Your Life Insurance Rates

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Why life insurers charge more if you smoke e-cigarettes.

If you engage in risky habits, life insurers tend to charge you more for coverage. One habit that life insurers consider risky is smoking e-cigarettes. If you vape, then you will likely pay more for life insurance than non-smokers. But why is this the case? Here’s what you need to know.

How do e-cigarettes affect your body?

Vaping (the more colloquial term for smoking e-cigarettes) is generally considered less harmful than smoking traditional cigarettes. However, this does not mean […]

Why Retirees May Need Life Insurance Coverage

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Do retirees need life insurance?

If you have retired, then your mortgage is probably paid off, and your kids have probably moved out.  At this point, you may assume that you no longer need your life insurance policy.  However, before you cancel your coverage, consider these reasons why many retirees actually need life insurance.

It Provides a Source of Supplemental Income

When you retire, there’s always a risk of you outliving your assets.  However, if you have permanent life insurance, then you can rely on your policy as a source of supplemental income […]

What Happens When Your Term Life Insurance Policy Expires?

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What happens at the end of your life insurance term?

When you secured your term life policy, you probably didn’t think about what would happen at the end of your term.  If you are close to the expiration of your life insurance policy, you may not know what to do.  To ensure that you are making an informed coverage decision, here’s what you need to know about the end of your term life insurance policy.

Expiration Doesn’t Mean What You Might Think

First, it’s important to explain what “expiration” means […]

How to Save on Your First-Ever Home Policy

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Take these steps to save on your first home insurance policy.

As a first-time homeowner, the last thing that you want to do is pay more for your home insurance than you have to.  Fortunately, there are several things that you can do to make your first homeowners insurance policy affordable.  Try out these money-saving tips.

Do Not Procrastinate

If you know that you need to secure home insurance, then it’s important that you start shopping around right away.  Waiting until the last minute to secure coverage will limit your policy […]