Hey just found this site and found it to be very informative on Texas Life Insurance. I checked out the rates and everything.Thought it was very easy to compare rates from top providers. All the quotes were free from the comfort of my home. That’s right FREE and online for Texas Life Insurance. Look they also offer Auto, Health, Home, & Motorcycle Insurance. So maybe this website will help you also in finding the right insurance for you in Texas..
Posts Tagged Health Insurance
Texas Life Insurance
Aug 25
Readers Question?
Is It hard to get Term Life Smokers Insurance?
Mel
Houston, TX.
Thank you Mel for asking.
Financial cost of smoking is the negative impact it can have on term life smokers insurance. Smokers more than other clients will be more likely to suffer serious illness or die as a result of the habit, and so term life smokers insurance companies know there is a higher standard of risk involved when offering them term life insurance.
Smokers pay rates that are twice or more that of non-smokers on term life insurance. It’s no longer debatable that smoking is the leading cause of cancer and other deadly diseases. If smoking leads to certain health conditions, then it makes a person a high health insurance risk and that attracts higher rates.
The fact that you smoke can be determined by a urine test that measures nicotine levels. Smoking cigars and pipes and chewing tobacco don’t rule you out, either. If you want quality coverage, be sure to tell the truth on your application. Otherwise, there’s a good chance that no benefits will paid from your term life smokers insurance policy if you die.
Readers Question?
Is there such a thing as no medical exam Term Life Insurance Dallas?
Sally
Dallas, TX.
Excellent Question.
No medical exam term life insurance is therefore much more popular for people who are older, or who have poor health and whose term insurance rates will suffer as a result. For many consumers however, “no medical exam term life insurance” still may not be the ideal alternative. This is because it may be just as easy to work to improve your health, to get a real policy with low rates. Many people who seek no medical exam term life insurance rates are actually in such poor health that if they were honest on their applications, they would not qualify.
Offering you term life insurance without requiring a medical exam, the insurance company is risking that you are in good health. To offset their added risk, you often have to pay a higher premium. However, by doing some easy comparison shopping on the Internet, you can still find an affordable term life policy that doesn’t require a medical exam.