High Risk Life Insurance
Smokers Insurance and Life Insurance
for Smokers
Life Insurance through
AmericanLifeDirect.com. No medical exam is required.
Avoid the Extra Costs of High Risk
and Smokers Life Insurance...
There’s
a simple reason why most busy people always over
pay for high life insurance. When you first purchased
your life insurance it was most likely a great
deal, but, like most people it was probably thrown
in a drawer and forgotten about. Who has time
to review their high risk policy every
year? The problem with that is the schedule price
increases as you get older!
The
best thing you can do for yourself is review your
high risk life insurance policy every year!
This idea can save you hundreds if not thousands
on your policy especially if you are a high risk
life insurance or smoker needing life insurance.
Not every insurance rate is the same.
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Accuracy
and completion will give you savings up
to 73% on your
term life insurance quote. |
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A $54,336 DOLLAR MISTAKE
A man received a call from a Norman Melnick, you
may have heard of him before. He was one of the
creators of the magic marker, and is currently
the Chairman of Pentech International, Inc.
Next time you go to Wal-Mart go to the school
supply section of the store. You'll see thousands
of his pens and markers.
Anyway, when he called he asked my associate to
do a cost comparison on one of his policies.
He had a policy that was costing him $12,660 dollars
a year. So my friend ran his information through
his computers and found that he could get the
same exact coverage for only $7,225 dollars a
year.
Mr. Melnick didn't believe him... he thought he
was lying.
So my friend faxed him out the rates. The quote
that he sent him proved that Mr. Melnick would
save $54,336 dollars over the next 10 years.
Mr. Melnick couldn't get over how much of a difference
there could be for what insurance companies charge
for the same exact coverage.
Very few people actually take the time to shop
around for their coverage. It’s too easy
to settle on the recommendation of a family member,
advisor, or worse yet, a "know-it-all"
friend. Take the time to find out for yourself.
Compare
High Risk and Smokers Life Insurance Rates Online
That's why Americans Insurance was created for
price comparison. People are busy and they need
an easier way to compare life insurance prices,
especially when looking for high risk life insurance.
With
over 1800 companies selling life insurance, the
chances of finding the lowest prices with the
best quality are slim. The only thing you will
probably succeed at is driving yourself crazy
trying to make sense of it all. Why spend hours
of your valuable time searching when you can do
it in minutes?
If
you wanted to compare prices from 10 different
companies, you would have to make 10 separate
calls to different agents.
Many
people are unaware that there are quality insurers
that have made a specialty of offering cost effective
coverage. Finding these companies can be extremely
difficult.
There
are a few low cost firms out there but they are
difficult to know about. This is where we come
in. American's Life Insurance has streamlined
the process of investigating life insurance businesses
with a network of computers that monitor over
186 of America’s top life insurance companies.
All
of the companies that you will find on American's
Life Insurance have been rated Excellent by A.M.
BEST, an independent rating company that is a
recognized authority on reviewing the stability
of insurance companies.
This
system has not had a single instance of a company
not paying a valid life insurance claim for as
long as the company has been in business!
American’s
life insurance is independent and not controlled
by any insurance company and you will not be pushed
to go with any particular insurer.
As
mentioned before, with over 186 companies being
monitored, you’re sure to get the most competitive
rates. It’s just that simple.
As
an added bonus, as long as you're a client with
American's Life Insurance, your policy will be
reviewed every year so you don't have to.
With
this in place you will never have to worry about
having the best deal on your coverage and have
financial peace of mind.
Need
High Risk or Smokers Life Insurance... Watch your
wallet!
Every
single insurance price is based on age. The problem
is that each insurance company can determine your
age differently.
Some
of the companies will change your age if it’s
within six months of your birthday while others
will use your actual birthday.
Prices
can be raised at any time, take a stand against
the costs.
7
Steps to Low High Risk Life Insurance Rates Smokers
Insurance
No matter who you buy your life insurance from,
there are seven easy ways to virtually guarantee
your going to pay less on life insurance premiums
and you're about to discover them.
If
you can qualify for a company’s preferred
rates, you can save a lot of money for as long
as you keep your policy.
Here’s
an example…
A
45 year old male can save as much as 25 –
30 percent on a 250,000 life insurance policy.
This would amount to thousands of dollars in savings
over 10, 20 or 30 years.
Obviously
it can be a bit difficult to qualify for the lowest
rates. There are things that the insurance company
will look at before you can even be considered
for a preferred rate such as low cholesterol readings,
low blood pressure and life threatening illnesses,
a history of asthma and of course tobacco use.
All of this is to be expected.
Unfortunately
That's Not All They Look At.
A
good medical exam is something the insurance companies
are on the lookout for.
A
high risk life insurance company is going to want
to know the details of your medical history before
issuing your life insurance policy. The insurance
company may also investigate your records through
the Medical Information Bureau which can be a
very common practice especially if you are a possible
high risk life insurance candidate.
You
may also have to take a medical exam which is
conducted completely free of charge, at your convenience
and at your choice of locations. The medical exam
can take up to 30 minutes to complete.
If
your medical exam doesn't turn out very well,
you may be looking at a higher premium. Can you
do anything to assure a better outcome? You sure
can! Getting the best results out of your exam
is a lot easier than you think.
It's
all in how you prepare for your exam. Just follow
these seven steps before you take the exam. You'll
soon be on your way to a much more affordable
premium.
1.
Getting plenty of sleep the night before the exam
can do wonders for the outcome. Get to sleep several
hours earlier than you would normally.
2. Try to avoid as much stress as possible. Being
stressed out can artificially increase your blood
pressure and pulse readings.
3. Alcohol can also increase your blood pressure
and pulse readings.
4. Avoid any kind of tobacco.
5. Stay away from any kinds of cola and caffeine,
for the same reason, like stress and alcohol they
increase the readings of your blood pressure and
pulse.
6. Any foods that are high in salt should be avoided.
Always read labels on food packages before consuming
them.
7. You can also avoid foods like eggs that are
high in cholesterol for at least one to two days
before the exam.
It’s also very important to follow the fasting
requirements you will be told about when you make
your medical appointment.
To save time on the day of your exam,
1. Come up with a list of all the medications
you’re currently on, include all the dosage
and frequency information and also the name of
the prescribing physicians.
2. About an hour before the exam, drink a large
glass of water. This will allow you to easily
obtain a urine sample.
Now that you have some guidelines to follow, you
will greatly increase the chance of an acceptable
outcome for your exam. But there's more you need
to know.
If anything turns up in your medical exam, you
can always dispute the findings. You could end
up drastically reducing your premium by volunteering
for further medical tests or treatments.
Almost 99% of the American public doesn’t
know about these important insider facts:
Your Exercise
Program:
An incredibly important question that you will
be asked is about your exercise program. Someone
who works out will be a much better risk for the
company. Count for this and should not be dismissed.
Things like jogging, walking, chopping wood or
household chores anything can count.
Your Height/weight:
If you're within the normal ranges of height/weight
charts, you'll be ok. If you're not, then stick
with the seven steps described above. With all
of those tactics at your disposal, you'll be on
your way to a better premium.
Your Driving
Record:
One thing the insurance companies like to do is
determine your character by viewing your driving
record. The cleaner your driving record, the more
likely you are to get a better premium.
Your Credit
History:
Credit history is another way for the insurance
companies to determine your character. Obviously
a good record is better, but this can also be
overcome by other positive factors and you can
even occasionally get points for a good explanation
of your financial problems.
Your Family
History:
The one thing that the insurance companies really
like to look for is past family history of early
death. If your immediate family has not died of
a stroke or from diabetes, heart disease or cancer,
then you're in luck.
Your Tobacco
usage:
If you do smoke, just be specific on your application
about your smoking habits. You could be considered
a "preferred smoker."
A ½ a pack a day smoker will get a better
premium then a 2 pack a day smoker. People who
chew tobacco will pay even less then a cigarette
smoker.
You now have the seven best ways to get a great
premium.
Free
Online High Risk Life Insurance Quotes
americans-life-insurance.com
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