Smokers pay more for life insurance. Learn how tobacco use impacts rates and what you can do to save money. When applying for life insurance, your health and lifestyle play a major role in determining your premium. One of the biggest factors? Smoking . Whether it’s cigarettes, cigars, or other tobacco products, smoking significantly increases your life insurance rates. Why Smoking Increases Rates Health Risks:  Smoking is linked to heart disease, lung cancer, stroke, and sho

Millennials (born between 1981 and 1996) are now in their prime working years, building families, buying homes, and planning for the future. Despite this, many still underestimate the importance of life insurance. The good news? Millennials can secure affordable policies  now while enjoying long-term financial peace of mind. Why Millennials Should Consider Life Insurance Affordability:  Premiums are lowest when you’re young and healthy. Student Loan Debt:  Many private loans