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August 2014

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Smoking cigars is for many one of life’s little joys. However, even occasional tobacco use may provide a risk to your health which in turn cause rates for life insurance policies to be higher or even out of reach. The life insurance for cigar smokers is certainly possible, but is it affordable in today’s health conscious environment? Finding affordable life insurance for cigar smokers starts by assessing the risks that are involved, checking the different…

When a person is drawing up their life insurance, one of the most frequently asked questions is whether the beneficiary will have to pay taxes on death benefits or payout. This is an obvious question “Do you have to pay taxes on life insurance?” and if tax is applicable there is no way to avoid it. It is understandable that paying taxes on life insurance death benefits can be quite annoying and actually significantly cut…

There are many people out there who do not have life insurance policies because they believe they cannot afford them. However, there is a type of policy that does offer good benefits over a specific period of time with low premiums called decreasing term insurance. This article will describe what this type of life insurance policy is, the advantages that it offers, who is it meant for and how to find the best types of…