Life Choices That Can Affect Your Life Insurance

Every type of insurance policy you buy – whether it’s health, auto, home, or life – is based on risk. Insurance companies need to charge¬†more for those who are more likely to need to use their policy to pay for damages. If you live a dangerous life, your insurance costs are going to be higher […]

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Ancestry Tests Can Raise Your Life Insurance Rates

When you apply for life insurance, you almost always have to give access to your medical records. That includes rights to genetic testing. Life insurance companies can legally ask you if you’ve ever taken a DNA test and they can legally access your results. How Your Genetics Can Cost You Websites and tests like Ancestry.com […]

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Tips For Buying High-Risk Life Insurance

Insurance companies have to calculate your health risk before they insure you. If they didn’t do this, they would go broke insuring people who are on their death bed. If you have poor health, a history of tobacco use, a dangerous career, or a poor financial history, you may be considered a risk for life […]

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Find Your Unclaimed Life Insurance Benefits

You may have money waiting for you and not even know it! According to a Consumer Reports study, 1 out of every 600 people has unclaimed life insurance benefits. Life insurance carriers will usually try to track you down, but that task can be difficult if you’ve moved or changed your name. You can find […]

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Why Location Matters

If you’ve ever bought a house or spent a Saturday morning watching HGTV, you’ve heard the saying, “location, location, location.” Location matters when you’re buying or selling a car or home and when you’re buying insurance. Your location can easily affect your risk factor, which raises your rates. But why does location matter? Weather Risk […]

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Does Your Life Insurance Expire?

People are starting to live longer and longer lives, which typically requires more life insurance. Some life insurance policies have “expiration dates” of age 99 or 100 because when those policies were issued it was quite rare for people to live that long. They were intended to be whole life policies, but they actually expire. […]

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When To Buy A 10-Year Life Insurance Policy

When it comes to life insurance policies, you have more options than you may think. You probably think it’s best to buy a policy that will last for your whole life, but have you considered the pros of a short-term policy? There are certain circumstances when a 10-year life insurance policy, which is usually the […]

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Next In Life Insurance: Smartwatches

We’ve already discussed how something as simple as your selfies can influence your life insurance. You also may have heard about life insurers tracking your grocery purchases to judge your healthy habits. Now, smartwatches may be next. John Hancock Life Insurance is offering $25 Apple Watches to beneficiaries (which normally retail at over $300). The […]

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Mental Health Can Affect Life Insurance Rates

Mental Health Can Affect Life Insurance Rates Mental health is tricky for insurers because it affects everybody differently. Health insurance can be a bit easier because carriers can focus mainly on the physical effects and prescriptions.¬†With mental health, however, quality of life differs more drastically. Anything from schizophrenia to an eating disorder can classify as […]

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Financial Steps To Take When You Get Married

Are you recently married or engaged? Congratulations! From merging your finances to investing in life insurance, there are a good handful of very important steps that you need to take when you get married. These steps will help you and your growing family remain stable in an ever-changing economy and prevent unfortunate surprises. At InsureTN, […]

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