• E-Cigarettes Just More Smoke and Mirrors, Doctors Say

    I saved this article from nearly 6 years ago.  Doctors knew what was going on, as did the makers of e-cigarettes.  6 years later, the makers of e-cigs are doing nearly $4B in sales a year while 13 year old are getting addicted to nicotine with irreversible lung damage. Source: E-Cigarettes Just More Smoke and […]

  • Indexed Universal Life – The Next Big Thing in Life Insurance?

    Is Indexed Universal Life Too Good to be True?   HOW IS INDEXED UNIVERSAL LIFE PROMOTED? Tax-efficient investment Indexed Universal Life is being promoted by insurance companies, Insurance Marketing Organizations, and agents more as an investment than as insurance. The marketing material leads one to believe that this is an investment, even though the illustrations […]

  • Life Insurance for Tobacco Users

    Life Insurance for Tobacco Users Basics Depending on the type of tobacco or nicotine you use, life insurance underwriting can vary drastically from carrier to carrier.  I’m talking about cigars, chewing and dipping tobacco, pipe, nicotine replacements (gums, patches, lozenges), and the newer E-cigarettes and vapor cigarettes.  There are a few carriers that are more relaxed […]

  • Life Insurance for Someone with Breast Cancer

    Someone with breast cancer may be able to get life insurance.

  • Life Insurance for Someone Who Had a Heart Attack

    Heart attacks and life insurance Is it possible to get life insurance for someone that had a heart attack? There are now several life insurers that will make favorable offers: sometimes as good as a standard rate for life insurance. At it’s most basic, a heart attack (myocardial infarction) is when heart muscle cells become […]

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