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Category Archives: Blog

Term Life Insurance For Smokers

In this article I will discuss term life insurance for smokers,which life insurance companies have the best rates for smokers, and also discuss how you can lower your rates if you do quit smoking in the future. I’ll also give some examples of rates for term life insurance for smokers and compare pricing between life… Continue Reading

Life Insurance over 50

I frequently get questioned about obtaining life insurance over 50 and whether it is worth the cost.  In today’s market life insurance is an essential purchase for just about every individual. Having a life insurance policy not only brings peace of mind, but it can also provide for your family if anything awful were to… Continue Reading

Life Insurance for Over 65

Finding affordable life insurance for seniors over 65 is not has hard as it may seem. If your term policy has expired or is expiring soon, you know that continuing the policy once it expires is very expensive. If you can qualify and lock in a new term period, you will typically save a significant… Continue Reading

Why Take out 10x Your Salary?

Take a look on the Internet for resources about choosing the amount of life insurance you need to take out, and you’ll find some fairly standard answers, but also a lot of ambiguity. Figuring out how much life insurance to get is a fairly complex decision, and one that varies on a case-by-case basis. Still,… Continue Reading

What is Accidental Death Benefit Life Insurance

With a fatal accident happening every four minutes insurance companies have created the accidental death benefit life insurance rider and policy. In this blog post I’ll explain what I mean by “rider” and by “policy”, and provide information on accidental death benefit life insurance. What Does Accidental Death Benefit Cover? Having an accidental death benefit… Continue Reading

Life Insurance for Marijuana Smokers

Over 20 million adult americans use marijuana atleast once per year. If you have found this blog post, perhaps you are one of those Americans who uses marijuana either occasionally or frequently, and would like to know how this will affect you as far as life insurance rates go. The good news is that you… Continue Reading

Young and Single: 5 reasons Why You Must Have Life Insurance:

I get it. You’ve never thought about life insurance before. I mean c’mon, you don’t have kids, and you’re not even married so why would you need to spend dough on something as uncool as life insurance? Here are some reasons why you might just want to. Debt and Student Loans Like most young people… Continue Reading

Life Insurance with Hepatitis B

Transcript This is Liran Hirschkorn from ChooseTerm.com and in this video I’m going to talk to you about Life Insurance when you have Hepatitis B and what your options are, coming up in tis video. So, if you have Hepatitis B you can get approved for Life Insurance but it’s going to be determined based… Continue Reading

Life Insurance for Federal Employees

What is the Federal Employee Group Life Insurance? (FEGLI) The Federal Employee Group Life Insurance is the largest group life insurance in the U.S. The benefit covers over 4 million FederalEmployees.  Understanding your options within FEGLI will allow you to make the best decisions for you and your family. This blog post will cover options for life insurance… Continue Reading

How Do Life Insurance Companies Make Money

Most people think that life insurance companies make money by taking in more money than they pay out. While that is true, what most people don’t know is that life insurance companies make money because many times, they never pay out a death benefit at all. Unfortunately many people stop paying their insurance premiums and… Continue Reading

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