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Why do smokers pay high premiums on life insurance?

Why do smokers pay high premiums on life insurance?

Key Takeaways: Most life insurance companies view smokers as a high-risk group. When you smoke, you are significantly increasing your risk of dying prematurely. That means that the insurance company is likely to have to pay out a death benefit much sooner than if you...
Final Expense Life Insurance For Seniors

Final Expense Life Insurance For Seniors

In Canada, funeral costs can range from a modest $5,000 to over $15,000. One of the most important things to keep in mind is how your policy can be used to cover these costs.  Final expense insurance can also help with other expenses related to your death, such as...
Term vs. Whole Life Insurance: Which One to Choose?

Term vs. Whole Life Insurance: Which One to Choose?

Different types of life insurance policies offer different levels of coverage and have unique features that may appeal to you and your family. Key Takeaways Term life insurance is designed to provide coverage for a specific period of time, typically 10, 20, or 30...