Calculate your life expectancy.

So how much difference in life expectancy would there be if I were to quit smoking. 
What if I lose weight?  
What other things can impact my life expectancy?  

Put in your present information.   You can see a list of things that you could do to enhance your life expectancy.  Change the information about yourself to better understand how life style and family history affects your life expectancy.

Of course this gives the average life expectancy.  But, it does give you a better perspective on what you are doing now that could shorten your life expectancy.

The questions asked are the issues that affect your life insurance premiums.  You will better understand life insurance as a result.
 
Most of us can point to an uncle, or other person we know who smoked a pack a day all his life but lived to be 90.  What we really need to think about is the fact he is not average.  Someone else died at 60 from the affects of smoking.

Take the test, there is much to learn.  

LIFE EXPECTANCY CALCULATOR

Ever wonder what happened to a Life Insurance company?

Did they stop doing business in Canada?
Were they taken over by another Company?
Did they go bankrupt?

Did You Know?

Did you know that you can qualify as a non-smoker on existing policies once you’ve gone 12 months without any form of tobacco or nicotine products?

Create a Lifeline that will Last a Lifetime

We all know its important. So why is it always put off buying? Life Insurance is extremely important if you have people depending on your income or even own a business. Don't let a tragic death produce tragic financial impact on the ones you love or the business that you spent your lifetime building.

3 Myths about Life Insurance

1. Its Expensive - Life Insurance can be purchased for as little as $10/month.
2. Isn't Mortgage Insurance Enough? - Mortgage Insurance protects the Bank not you! Even if your Mortgage is decreasing, your payments stay the same.
3. Only people in tip top shape qualify for Life Insurance - This is not true! We have been able to obtain insurance for people with Heart Conditions.

How Does Life Insurance Really Work?

It is really quite simple. 

Safety In Numbers

The insurance company is not taking risk, the are managing risk.  For the insurance company, it is a numbers game.  They pretty much know how many people in each age group will not live to see the new year.   About the only thing they don't know is who won't be at the next New Years Party.

A Broker Does Make a Difference

What is a Broker? 

A life insurance broker deals with a number of companies rather than one or two.  When you run your own quotes you will quickly see that premiums are quite different from company to company.   That is only half of the story. 

How Much Coverage Should I Have?

There is no easy answer to that question.  

Many people say that a person should have approximately 10 times their income in life insurance coverage.    Although this may true for some people it would not be true for others. 

You can calculate how much you should have by using this calculator.  Calculat How much coverge you need.

How Much Does Term Life Insurance Really Cost?

The simplest way for you to get an answer is to go to Term Life Insurance Quotes.

Optional Group Life Insurance - Is it Cheaper or Better?

I have been offered group life insurance at work.  It seems like a good deal. 
Is this the best alternative for me? 

The Top 10 Factors That Affect Life Insurance Premiums

89% of people who apply for life insurance are offered an insurance policy at standard rates, or better.
Only 2 to 3% of those who apply are are turned down. 

Is Mortgage Insurance A Wise Choice?

So you purchased a home, and with all the things that you had to do to complete the deal, life insurance was the last thing you had on your mind.   Your are in the bank finalizing the mortgage: "What about life insurance?" asks your banker.  "Yeah, we should have that." you respond.  So you and the friendly banker do the paper work and in about five minutes you have all the insurance you need to cover the mortgage.  It is so easy you don't give it another thought.

Medical Evidence - The Paramedical Exam

I have been told that I will need to have a medical.

What's the procedure?
Is there anything I should know?  

Convenience = High Cost

One thing you will quickly learn about health insurance; The more convenient it is to get (the lack of questions asked), the higher the premiums will be, and the more restrictive the coverage becomes.   

Why do life insurance salespeople seem so pushy?