Reader’s Question:

I have been into drinking heavily. What should I do to get lower life insurance premiums in Texas?

Pam

Dallas TX

There is couple of things that an underwriter considers when reviewing your insurance application. They check your liver enzyme thru a blood test if it is positive for an alcohol-related
problems of other medical problems. They also check your record for any drunk-driving convictions and an APS from your doctor. If there are “red flags” in one or more of these, your insurance premium may be affected if not denied.

If you want to get a lower life insurance premium in Texas, the first thing that you can do is apply for an extra premium to be tacked on your regular insurance premium. This additional fee will normally disappear between two to five years after your last citation.

Reducing your alcohol intake can help you lower the rates. You can have your liver enzyme level checked by your doctor to monitor the progress. You can approach your insurance company at least after six months or two years to show them that you are giving effort to improve our health condition. If your insurance company in Texas is not willing to lower your premium, look for other life insurance provider.

Tags: life insurance, life insurance rate

Reader question:

Is there any way to get around the Houston TX smoker life insurance rate?

Chris

Glad you asked.

There are two things you need to do to get a Houston TX smoker life insurance rate. They are:

• admit that you are a smoker on your life insurance policy application
• fail a nicotine test during your medical exam

Now, if you get no medical exam insurance and you just choose not to reveal your smoking habits, you might slide by without a Houston TX life insurance smoker rate, but you could get your policy canceled because of this. One question which may come up for recently former smokers is–how long des it take for the nicotine to clear out of your body?

Now, this depends on your metabolism. Typically, after three days without smoking, you won’t show up as a smoker on the test, but some people have a disorder which they may never realize they have until they take one of these tests, where it takes several months to pass nicotine through their body. If you want to be sure on getting non smoker rates, you could wait a year after you quit smoking.

take care,

Fashun.

Reader question:

Can I still get Houston TX life insurance with HIV?

Jessica

Good question.

It’s tough to get Houston TX life insurance with HIV considering the danger of that condition, but there are ways to get around the constant denial of the life insurance companies–just blend into the crowd.

Many people who have high risk conditions or behaviors are finding that it’s cheaper and easier for them to purchase Houston TX life insurance with HIV if they join a group policy rather than trying to purchase a policy all on their own. You can get a group policy in several ways, and I list a few below. The reason why risk policies are possible is that the risk is shared across a large group of people, and so one person’s bad health can be canceled out, in a way, by another policy holder’s good health.

• Your employer is the most common source of a group life insurance policy. Normally these are guaranteed, sometimes even free.
• You can also get a life insurance group policy through an organization you are a part of, a club, or a union.

take care,

Fashun.

Reader question:

How much does life insurance coverage cost?

Lucille

Good question.

How much does life insurance coverage cost? Well, that will depend on several factors, from the type and amount of coverage you buy, to how old you are, to your health problems and activities, to your financial situation, and more. However, after getting quotes for several different situations, I can give you an idea of what your payment should be around.

• How much does life insurance coverage cost?

I tried two different scenarios. One was a healthy, non smoking, young man. At the age of 30, he would have been paying around $27 a month for his life insurance policy. By the time he reached 40, it would have risen around $10. As for a 50 year old man, he would have been paying around $86 each month for a $500,000 term policy.

Then I tried an overweight young smoker who also purcahsed a term life insurance policy for $500,000. At the age of the 30, he would have been paying around $140 a month; at 40, more like $200; and then again at fifty, $500.

This is why it is so important to keep in shape.

take care,

Fashun

Reader question:

What are the benefits of Houston TX term life insurance?

Marge

Good question.

Houston TX term life insurance is cheap and easy to understand. You can purchase it for periods of 10, 15, 20, and 30 years in most cases, and in some cases until a set age. Problems may arise if you come to the end of your policy and still need life insurance, because you’ll probably have to pay more for a renewal.

If you pick level Houston TX term life insurance, then your premiums will stay the same throughout the duration of your term.

There are some ways to get around the drawbacks of the Houston TX term life insurance. Most companies offer a guaranteed conversion for their Houston TX term life insurance policies, so if your nearing the end of the period you purchased and want to convert it to a whole life insurance policy or a universal one, then you can often do this and keep the same premium payment you had before. In many cases, you can do this without having to have a physical, too.

Now, if you aren’t sure you’ll be dead by the time your term life insurance premium period is up, then you can buy a return on premium policy. If you’re still kicking when your policy is over, you get all of the money you paid into it back, and it won’t be taxed.

take care,

Fashun.

Reader question:

What are the benefits of a Houston no exam life insurance policy?

Jose

Good question.

Even if you choose to buy a Houston no exam life insurance policy, your savings are only as good as how you treat yourself while you have this policy. Since no exam policies are almost always term policies (and if they are whole life then you should be suspicious), eventually it will be over, and being older, you will probably have to submit yourself to a physical in order to get a new life insurance policy.

In order to keep your body healthy as you get over, you need to practice a healthy living style. One of the main things that affects older people buying life insurance policies is a history of smoking. Even if you don’t suffer any negative health effects from this, you will still have to pay higher prices for your life insurance simply because of the possibility of health effects.

You should also do some research, while you still have your Houston no exam life insurance policy, of what kind of illnesses are common in your family and how that will affect your life insurance rates, even if you don’t inherit one of these illnesses.

take care,

Fashun

Reader question:

I don’t have Houston life insurance. Is it expensive? How can I keep it cheap?

Martin

Glad you asked, Martin.

Did you know that almost half of adults living in Texas are without a life insurance plan? As for the rest, many are overpaying and underinsured. There’s no good reason for this: Houston life insurance is extremely cheap, often less than $20 a month for hundreds of thousands of dollars of coverage, and so long as you plan your life right, you can keep the price down.

The most important things for someone who wants to save money on their Houston life insurance policy to do is to stay in shape. While there are many things you can’t avoid, such as inheriting cancer from your genes, you can still keep a health diet, work out, and avoid doing harmful things to your body such as smoking, drinking, and doing drugs.

Just watching TV you will see many commercials for life insurance policies, often extolling how simple it is to get one. Even so, just because the commercial quotes a price that seems great, don’t run to that company right away. You need to check online and get a few quotes first, so that you can compare which company is the best. Even if you only save a few dollars a month, it adds up over time.

take care,

Fashun.

Reader question:

Are those Houston no exam life insurance things rip offs?

Lissa

Glad you asked.

Most of the time when a company makes a claim that they are offering Houston no exam life insurance, it should be looked on with distrust. However, that isn’t to say that all no medical exam companies are bad and that nobody can get a good, cheap deal on their life insurance without a physical.

Most of the time, there are a few limits to a Houston no exam life insurance policy.

• You must be young, usually under the age of 25 or 30.
• You can only get term life insurance with these, not universal life insurance.

Most young people don’t have health problems, and thus for many a physical doesn’t turn up anything bad, which is why many companies have found it profitable to offer no exam life insurance policies online. Being online also brings many customers for the convenience and immediate coverage.

take care,

Fashun

Reader question:

Can you give me some advice for getting a Dallas whole life insurance quote?

Kat

Good question, Kat.

Since you are getting a Dallas whole life insurance quote, then it is very likely that you will be required to undergo a medical exam. There are several things you can do in order to make sure that the results of this exam are the best.

• Get the exam for your Dallas whole life insurance quote while you are still young. You are lower risk and can get better prices this way.
• If you have been doing anything considered risky, such as consuming drugs or drinking, then give yourself some time to clear these things out of your system before you go to the exam, although you should stop doing them altogether lest you be found out.
• One thing that many people realize is that the time of day they are examined counts, too. If you get your physical in the morning hours, then you will have better results, because things such as your blood pressure, cholestorol, and weight are healthier right after you wake up.

take care,

Fashun.

Reader question:

What is the cost of no exam life insurance policy?

Jesse

I’m glad you asked, Jesse.

The cost of a no exam life insurance policy is usually extremely low. It costs you more to go out and eat for one night than to pay for one of these car insurance policies a month. But while that’s kind of tempting for cheap skates like myself, you still have to be careful, because 90% of the time, no exam policies aren’t what they make themselves out to be.

Think about it. Most life insurance policies will determine whether or not to accept you and how much you pay based on your risk. That’s how they make money. But the cost of no exam life insurance policy is low even for high risk people.

These companies mostly only insure people who are high risk, and they do it for cheap prices. You can’t make money that way, because they would be having to pay out on the policies far too often, because their customers would constantly be dropping like flies.

What they really do is charge you more than you advertise, and probably more than you really have to pay. Even if you have bad health, you can probably get a lower price than the cost of a no exam life insurance policy. Just give the health exam a try, and THEN make your decision.

take care,

Fashun.