Can I get life insurance as a smoker?

How is term life different from other types of life insurance? Unlike whole life, which covers you for the rest of your life, term life lasts a certain number of years.

Life insurance can help provide a financial safety net for your family after you’re gone and may ease financial pressures during an already difficult time. In this short video, see why many people, like you, include life insurance in their plans to help support their families’ future needs, when they’re no longer able to.

A life insurance policy is a contract with an insurance company. In exchange for premium payments, the insurance company provides a lump-sum payment (known as a death benefit) to beneficiaries—a designated person or group that receives the benefit—upon the insured person’s death.

Considering life insurance? Use this information to understand term and whole life insurance. Learn how the coverages work and what makes term and whole life insurance different.

Car insurance might seem complicated, but it's like having a safety net for your car. Let's break down an auto insurance policy in simple parts.

Car accidents and speeding tickets can increase auto insurance premiums. Let’s learn about other factors that can cause increased auto insurance rates.

When it comes to helping protect your home, there are two primary options: homeowners insurance or a home warranty. What is the difference? What do they cover? Read on to learn more.

How often do you think about the value of your car? If you’re like most people, it might only cross your mind when you buy a car, sell a car, or after you are in an accident. That’s where it’s especially important to understand how car insurance companies value cars. Let’s look at how the process works.

If you’re a smoker, you shouldn’t let that stop you from applying for life insurance. But you may wonder if it will be difficult to get insured. Let’s take an honest look at how both tobacco and marijuana users could get the life insurance they need.

Ask yourself this question: If you were to die, would your family struggle to pay for your funeral, the mortgage or daily living expenses? Let's discuss this life insurance question and more.

Divorce can affect nearly everything a former couple has in common. That includes a life insurance policy.

Running a small business can be complicated. Having extra money could help—whether that comes from a bank or a credit union. However, many business owners fail to understand the process for acquiring a small business loan. One of the most overlooked steps in the loan process is determining if you will need life insurance to get a small business loan. In many cases, you may need life insurance.

So, what is financial planning? Although you may have heard of the concept, it could be helpful to go over the basics.

Need help creating a personal budget? Use this step-by-step process to start a monthly budgeting plan.

As of 2020, women earned 84% of what men earned. Based on this estimate, women would need 42 days of extra work to earn what men did in the same year(1). So how does it look like when we go deeper and examine the impact of the gender wage gap in a minority group such as Latinas and what can we do about it? Let’s find out.

The short answer is—it could. Consumers should understand how credit scores may impact insurance options and premiums.

In this video, find out how AD&D insurance is different than life insurance and how it could make a big difference if there’s a loss of income in certain accidental scenarios.

Is accidental death and dismemberment insurance the same as term life insurance; should you have both? We help clear up the confusion.

Most people know at least a little bit about what life insurance is, but what’s the big deal about Accidental Death and Dismemberment Insurance? What is it? Why is its name so long? Does anybody even have it?

When reviewing your employer benefits or shopping for insurance, you may come across the term, “Accidental Death and Dismemberment.” What does Accidental Death and Dismemberment, or AD&D, mean? Is AD&D insurance the same as life insurance, or is it something else? Read on to learn the difference.