Does smoking affect life insurance pricing?
Smoking is well known to affect your health for the worse. The habit can dramatically shorten your lifespan by causing illnesses such as a variety of cancers, chronic bronchitis, emphysema, heart disease, heart attacks, and strokes, to mention a few. But you...
Why do I need life insurance?
How does life insurance work? Life insurance works like this: you pay a monthly premium to your insurance provider so that when you pass away, your beneficiaries will receive a lump sum or regular payments. Life insurance is designed to assure your loved ones are...
What is critical illness cover and do I need it?
How does it work? Similar to life insurance, you pay monthly premiums for the term of your policy, and a lump sum will be paid out if you are diagnosed with an illness covered by the insurance during that time. Often insurers will only pay out when your illness has...
The Life Insurance Policies Available and Why You Really Need to Have One
Life insurance is something that primarily exists to provide peace of mind to anyone with a partner or family so that in the event of something happen to yourself or your spouse, your family is financially protected and if so desired, your mortgage can be paid off...