Reader question: How does a company know that I’m a smoker to give me a high priced smoker life insurance rate? Abigail Thanks for asking, Abigail. The Houston Texas smoker life insurance company can typically find out through two, very simple, ways: You cough it up. Know that little question on your insurance form that [...]

Reader question: What is a temporary term life insurance plan? Mario Great question. A temporary term life insurance plan, usually called an annually renewable policy, is expensive, annoying, and hard to deal with–but sometimes necessary. I’ll give you some of the bare details: with a renewable plan, you will be given health insurance coverage for [...]

Reader question: Should I buy term life insurance online?  I live in Houston Texas, if that matters at all. Malcolm Thanks for asking. You CAN buy term life insurance online, but there’s an added question of whether or not you should. Online life insurance policy purchasing has its own pros and cons, so let’s look [...]

Reader question: Will my weight be a factor when I compare life insurance rates? Jack Houston, TX Thanks for your question, Jack. And you bet it will. Being overweight (or drastically underweight) is the harbinger of ills, and there are enough associated with having a disproportionate amount of body fat to make any life insurance [...]