I think you’ll agree that smokers have a hard time finding affordable and cheap life insurance.
Premiums are nearly double or triple – or much more – compared to that of non-smokers.
However, it is possible for smokers to obtain cheap life insurance, sometimes even at non-smoking rates.
Continue reading Yes, Smokers Can Obtain Cheap Life Insurance Rates. Sometimes Even At Non-Smoking Rates. Here Is How.
Have you ever heard of the MIB? Nope, in this case, we aren’t talking about a bunch of men, dressed in black, looking for aliens. You may have heard of this acronym if you applied for any type of personal insurance (life, health, disability, critical illness, and long-term care) on yourself. Contrary to what you may have heard from another agent or think, the MIB isn’t some evil organization out to “get you” (or find aliens).
In this article, we will describe the importance of the MIB and their role in the underwriting process. After reading this article, you may even be happy the MIB exists, and understand that they are your friend in the underwriting process (Ok, we won’t go that far :)). Continue reading Life Insurance: What Is The MIB?