Fort Lauderdale FL term life insurance

Reader question:

Will my weight be considered by my Fort Lauderdale FL term life insurance company?

Larry

Great question.

Yes, your weight will be considered by your Fort Lauderdale FL term life insurance company. Although, technically, what is considered isn’t really your weight, but your build. Your build concerns how much you weigh as it is related to how tall you are. So if you are very tall, weighing the same amount which would make a much shorter person obese might only indicate that you are healthy with no weight problems at all.

Obesity and diabetes are moving further up the list of serious health problems in America every year, so if your build doesn’t fit the standards put forward by your Fort Lauderdale FL term life insurance company, then you could quickly find yourself either slapped with incredibly high rates, or declined altogether, finding it difficult to become insured at all.

You aren’t alone in this, though. Twenty percent of adults in the United States are obese, and some of these people have insurance. The problem is, though, considering that over two hundred thousand deaths are attributed to obesity every year, most Fort Lauderdale FL term life insurance companies don’t want to take the risk. Instead, you might have to get a very high rated no exam policy, or even a guaranteed issue policy.

take care,

Fashun

Buy Fort Lauderdale Florida term life insurance online

Reader question:

When I go to buy Fort Lauderdale Florida term life insurance online, and I come to the part asking about my coverage, I get a little confused. How do I know how much coverage I need?

Kelly

Excellent question, Kelly.

Some experts have come up with an excellent formula which you can use to determine your life insurance coverage needs when you buy Fort Lauderdale Florida term life insurance online. The formula goes something like this.

Short term requirements + long term requirements – financial resources = your coverage!

Essentially, you have to take your short term financial needs as well as your long term ones, and subtract other financial resources (such as social security check or spouse’s job) which would continue even after your death, and then you come to the right number. The hardest part, though, is determining what resources will be many years from now and also adding up your needs, which will include debt, mortgages, among other things. Luckily, though, you can reevaluate your life insurance policy every three years or so to make sure that you don’t need to once again buy Fort Lauderdale Florida term life insurance online.

take care,

Fashun

Compare Fort Lauderdale FL life insurance rates

Reader question:

What else should I look at as I compare Fort Lauderdale FL life insurance rates?

Gabby

Great question, Gabby.

There are a couple of things you should look into as you compare Fort Lauderdale FL life insurance rates, because they are very important, and you should be choosing not only a life insurance policy that is cheap, but one that has value as well. You can easily find the cheap part just by going to websites to compare Fort Lauderdale FL life insurance rates, but the value requires some extra footwork to uncover.

First of all, you need to check how financially stable a company is. You can find this out from Standard & Poor’s website, where companies are rated according to their financial stability. Only pick a company which has the highest rating of financial stability. What happens if a company isn’t financial stable? It could go out of business, and you could lose your life insurance policy, or they could be unable to pay out benefits upon your death.

Second of all, you need to check out J.D. Powers for consumer ratings. This company rates others on things such as customer service, pricing, coverage, and more.

take care,

Fashun

Fort Lauderdale Florida smoker life insurance

Reader question:

If I only smoke a cigar at celebrations, I don’t have to buy Fort Lauderdale Florida smoker life insurance, right?

Greg

Thanks for asking, Greg.

Well, it depends on how often you celebrate. If we’re talking about a very rare thing, at your kids’ graduations or something like that, then you might be in the clear. However, if you’ll light up every time a politician you like wins an election or your kid wins a ball game or another one of your particularly fertile family members has a baby, then you might have to dark in the yes box on your Fort Lauderdale Florida smoker life insurance application.

A Fort Lauderdale Florida smoker life insurance company is usually very, very strict on this sort of thing. Even if it’s the first time you’ve done so in ages, if you have smoked within the last 12 month period, then they will consider you a smoker for ratings purposes. In order to not be considered a smoker at all, you have to have gone without–and this includes the occasional cigar–for over a year, but to get the best rates that number has to be over 5 years.

take care,

Fashun