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Smokers can get a life insurance policy, but they will pay a higher price for the coverage. The risk factors associated with smoking are well-known and insurance companies consider smokers high-risk candidates. Most life insurance companies consider you a non-smoker if you have quit for 12 months, which will allow you to qualify for better rates after a year of being nicotine-free.
Regularly review your life insurance policy and amend it if your circumstances change. Examples could be the birth of a child, a change in occupation or an increase in your debt.
As soon as you have paid for your trip, you are at risk, so secure coverage as soon as you have booked your vacation.
If you travel several times a year, it often makes sense to purchase a multi-trip insurance policy as opposed to getting a single-trip policy every time.
You will most likely pay a premium for good quality coverage that meets your specific needs. It helps to compare rates. Our agents will do this for you to ensure you are getting the best coverage for your cost limit.
A financial professional can help you factor in financial considerations, as well as the specific needs for yourself and your family.
Did you know that Mortgage insurance sold through your bank is only designed to protect the lender, and not the homeowner?
If possible, find out whether changing the deductible will make any difference to the price. Often, a higher deductible means a lower premium. Rather than cutting back on coverage, raising the deductible will give you maximum peace of mind with minimum risk.
“Luck is what happens when preparation meets opportunity”
Legal & General released a report revealing that replacing the work of a full-time stay at home parent can cost upwards of $40,000 a year.
