AccuQuote, a leader in providing term life insurance quotes to people across the United States, recommends several tips to help smokers find affordable term life insurance.

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The life insurance quotes we provide are always subject to “complete medical underwriting” which includes an examination (labs and physical exam) and a review or your medical records.

One of the larger bones of contention when it comes to underwriting is lab results that either don’t match up with your perception of how healthy you are, or labs that seemingly contradict recent labs done by your own doctor.

There are some “volatile” labs that can actually change from day to day depending on what you’ve eaten or drank, or what over the counter meds you’ve gulped down, but for the most part, if labs were done by your doctor and both that and your insurance labs were fasting tests, there should be little or no difference.

A few tests that I know are “volatile” are triglycerides and to some extent total cholesterol. These tests can vary pretty widely in the absence of fasting. I’ve been challenged on the subject of good cholesterol (HDL) and bad cholesterol (LDL) when they come back high, but to the best of my knowledge and study, these are pretty stable numbers and should vary much in short periods of time and shouldn’t be impacted by fasting or lack of to any great extent.  read more »

Whether it is auto insurance quotes, business insurance quotes, health insurance quotes, home or life insurance quotes, Einsurance.com has a newly redesigned website for insurance shoppers to easily find a variety of insurance quotes and obtain related insurance product information.
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Insure.com, Inc. , the only place on earth where you can get auto, life, health, home and business insurance quotes from over 100 leading companies and have the freedom to buy from the company of your choice, today announced financial results for the third quarter ended September 30, 2008.

I just held an impromptu contest in my head to determine what group of people have the largest number of life insurance quotes asked for compared to actual policies applied for.

The results are in and I’m not going to try to make any broad social implication out of the fact that the smoking crowd won the contest. They seem to have this need to know how much life insurance will cost coupled with a real lack of enthusiasm for purchasing when they find out that the mortality experience from smoking drives their price up to 2 to 3 times what they would pay if they don’t smoke.

Never mind that even at the higher rates, most people who smoke are spending more on their habit than they are willing to consider spending on protecting their families future. I am down playing somewhat how strongly I really feel about this issue when I say that if I were King, I would require all of my subjects who smoke and have families to carry life insurance. If they refused, their cigarette money would be garnished from their paychecks to forcibly buy the life insurance. If they tried to game the system I would have their heads chopped off and their families would be awarded the benefits from their life insurance anyway.  read more »

Insure.com, Inc. , the only place on earth where you can get auto, life, health, home and business insurance quotes from over 100 leading companies and have the freedom to buy from the company of your choice, today announced financial results for the second quarter ended June 30, 2008.