According to Insure.com most life insurance companies require a medical exam to determine an applicant's state of health before a policy request is approved. A few insurers do not require an applicant to undergo a physical and may be willing to...
For someone with health problems, shopping for life insurance can be a discouraging experience. Sometimes companies decline outright to offer coverage. Other times they offer a policy, but at a high price. But by finding the right company, one...
There are many types of insurance available and each will use different data in determining rates. The one thing that is constant is the insurance company will assess the chance of having to pay money on a claim and charge accordingly. The higher...
Veteran's Group Life Insurance is an insurance plan for service members who are leaving active service. The plan is a term life insurance plan, as the premium amount changes depending on the age of the insured. Benefit amounts cannot exceed the...
You've seen the pictures of gunky lungs and the commercials about smokers who have to breathe through tubes in their necks. Unfortunately, you still have trouble finding the willpower to quit smoking because you know you will first have to walk...
Insurance is available for just about anything. When you purchase an insurance policy, the personal information you provide, along with factors that depend on the type of insurance combine to determine the price, or premium, you pay for the level...
Perhaps the most critical factor about cigarette smoking is the likelihood of addiction. Becoming addicted to nicotine causes smoking to overshadow the other priorities in life. The urge to smoke can supersede everything from the threat of health...
People who quit smoking get rewarded immediately. Their heart rate and blood pressure begin to return to normal, the National Cancer Institute (NCI) reports. Carbon monoxide levels in the blood begin to decline within hours. Carbon monoxide, found...
In a flexible spending arrangement, or FSA, your employer deposits money from your paycheck into an account that can be used to pay for qualified medical expenses. A FSA account can save you money on your taxes because the money you contribute is...
Smoking leads to many health disorders, ranging from frequent illnesses to life-threatening diseases. However, smoking has non-medical effects that plague smokers and nonsmokers alike throughout their lives. If worrying about the health hazards of...
You can adopt a person who has reached the age of adulthood, and there are some good reasons to do so, including inheritance and insurance access. But this is a serious step that has permanent legal implications. The process involves court...
Genetic diseases are caused by defects in genes, segments of DNA that govern specific characteristics in a person. Common genetic disorders such as cystic fibrosis or Huntington's disease aren't always inherited, but may occur as a spontaneous...
Legal separation and divorce are two separate options for Indiana residents who no longer wish to remain married. While a divorce will formally end the marriage, a legal separation merely allows the couple to live apart for a specified time to...
Life insurance is a financial instrument designed to provide funds to your family after you die. Policies can be structured to cover your whole life, or cover you for a period of time. Differences between policies typically include cost, coverage...
Life insurance is one of the few forms of insurance recommended by financial guru Dave Ramsey. The death of a family member, even one who doesn't contribute directly to your family's income, can cause grief that affects your productivity for...
The day cancer treatment ends, a new chapter in life begins. While some survivors leave cancer behind and move forward with few problems, others might experience physical or emotional effects. Some of these effects may start...
As corporations continue to look for ways to cut costs, many are discontinuing group health insurance plans, or ending subsidies that made these plans more affordable. Also, small businesses, which employ about 52 percent of the workforce in the...
Health insurance carriers, doctors and clinics commonly test to identify nicotine in the body. Testing does not show actual nicotine levels; rather, the three tests available identify the component of cotinine in the body, a byproduct of tobacco...
If you have life insurance through your employer, you may wonder what happens to the policy when your employment ends. If your life insurance is portable, that means you can take it with you when your employment ends, in effect remaining a member...
Multiple sclerosis, commonly referred to as MS, takes time to diagnose. Once you get a diagnosis, treatments begin. Without insurance, MS can drain your financial savings and cause financial hardship. Health insurance, life insurance and...
A life insurance policy will allow you the ability to provide for your loved ones after you have passed away. When you buy life insurance, you pay the insurance company on a regular basis, such as monthly or yearly, for the duration of the...
If you do not have life insurance and you die prematurely, your family can quickly be in a financial mess. The right policy for you will meet two criteria: It will provide adequate protection for your family; and it will come with a monthly...
Insurance is a way of life. We insure everything: cars, homes and our health. It is no surprise that with an aging generation of baby boomers that end of life care is an important topic of discussion. Insurance companies offer end of life...
The American Cancer Society reports that in 2008, one out of five people considered themselves smokers. Even though the dangers of smoking have been established, it is still nearly impossible for some people to quit. If you smoke, you can quit...
Cancer diagnoses can bring about a slew of expenses that patients and their families have never seen before. Chemotherapy is one of those expenses normally associated with cancer treatment options. Although health insurance can offset this...
Over 30 million people are responsible in some way for an elderly person. Sometimes, the senior makes a gradual transition from being a family leader to being the dependent of a family member or friend; at other times, it happens suddenly, as the...
Your decision to start smoking is often driven by a desire to be perceived as an adult. Many smokers pick up the habit during the early teen years, notes researcher Martin J. Jarvis in the "British Medical Journal." Jarvis recognizes that you may...
Your cholesterol numbers are so closely related with some aspects of your health that life and health insurance companies use them to determine the cost of your premiums. For a long time, science thought there was just one kind of cholesterol, and...
Paternity tests help determine the legal father of a child. According to the Florida Department of Revenue, this information can help children learn about their medical history; obtain life or health insurance; obtain child support and medical...
