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It’s commonly understood among consumers that age, health condition, and the health history of your family are important factors in determining the approval of life insurance and the premium you’ll pay. But, a less obvious factor is your occupation. Some occupations are statistically more dangerous than others, and therefore more likely to result in death….
→ Read MoreIf you are an avid rock climber applying for life insurance, you’ve undoubtedly noticed insurance companies showing a keen interest in your hobby. There’s a good reason for that too. Rock climbing is considered a dangerous hobby by life insurance companies. It’s not that a large number of people die participating in the sport each…
→ Read MoreRight up there with health conditions and occupation is another risk category life insurance companies are concerned with that most consumers never think about: high-risk hobbies. These include any recreational activity that has a statistically higher likelihood of death than more ordinary activities. For example, no one would doubt that skydiving and motorcycle racing are…
→ Read MoreThere’s no getting around the fact that some hobbies involve much greater levels of danger than others do. At the top of most people’s list of high-risk hobbies is skydiving. As the challenge saying goes, why would anyone jump out of a perfectly good airplane? Yet, thousands of people do it every year, and nearly…
→ Read MoreYou’re probably not aware that what you do in your spare time can have a material impact on premiums you’ll pay for life insurance. Most people are well aware that personal health conditions and even certain occupations affect life insurance premiums. But, certain high-risk hobbies affect life insurance premiums as well. If you have one…
→ Read MoreWhoever said all good things improve with age never tried to buy life insurance after age 65. It’s tough finding quality and affordable coverage, especially when you need a larger policy. Older life insurance shoppers also know a new policy’s premiums would increase with each passing year. They feel the cost of time passing, and…
→ Read MoreTo sign up for regular major medical health insurance coverage, you’ll either have to wait for the annual open enrollment period or a qualifying life event. (For more information, read our “What does health insurance cover?“). But what if you need coverage before then? Let’s say your new job’s health benefits don’t kick in for…
→ Read MoreYou said “yes” — yes to a beautiful celebration and a lifetime of happiness, not to a wedding day crisis costing thousands of dollars and endless strife! Try as you might to pick the perfect day, the unexpected can and does happen. And when it does, you don’t want to be left picking up the…
→ Read MorePeople looking for lifelong life insurance coverage should consider permanent life insurance. There are a few different variations, including whole and variable life insurance. Both of these have an extra component: an investment account referred to as a cash value. Separate from the death benefit, this cash value grows over time and can provide an…
→ Read MoreHaving access to healthcare plays an important role in living a long and healthy life. The older you get, the more prepared you’ll need to be for any sudden illnesses or injuries. Seeking help from doctors to treat symptoms when you’re sick or going to hospitals to deal with medical emergencies are situations that you’ll…
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