When you apply for life insurance, no matter if it is a whole life insurance or term life insurance, you will be asked two questions related to alcohol consumption:
• How much alcohol do you drink and how regularly?
• Have you ever been convicted for a DUI charge?
One important feature you need to make sure about your term life policy is that it must have a “guaranteed renewability” feature, which allows you to convert your term life insurance policy to a permanent policy without having to provide evidence of insurability.
Life insurance is one of those things that once purchased is forgotten about. It’s one of those things that once you have, you don’t think about it too much, which is one of the main reasons why most people are paying more than they really need and are probably not getting the best deal. [...]
The simple answer to the question is yes, but it will require a little effort to find the best rate and you need to find a specialist.
Life insurance companies understand that many diabetics live active, healthy lives. Thus, getting a life insurance policy as a diabetic may not be as difficult as you might imagine. [...]
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