855-729-8178

855-729-8178

Your Friend 4 Life
Do You Smoke an Occasional Cigar?

Do You Smoke an Occasional Cigar?

I guess because I live in Tennessee and it was known for many years as tobacco country, there are still a lot of tobacco smokers. Tobacco use is a very expensive rating on life insurance policies, usually double or triples the non tobacco rate. Most life insurance companies do not distinguish between the different Continue reading →

Tim Wilhoit
Educational
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Is There Vegan Life Insurance?

Is There Vegan Life Insurance?

The term vegan life insurance does get asked quite often these days. There is not a product called vegan life insurance. However, life insurance is a great bargain for most vegans because of the risk calculations for the underwriters. Vegans tend to be healthier; they exercise and have favorable builds. So even though there is Continue reading →

Tim Wilhoit
Educational
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Life Insurance FAQs Part II

Life Insurance FAQs Part II

What Are Life Insurance Fees?

Life insurance fees are essentially administrative fees charged by life insurance carriers to offset expenses. These fees cover their underwriting costs and actuarial costs of issuing the coverage. The fees are usually charged in the premiums and average range between $1.00 to $7.00 per month depending on the company. This Continue reading →

Tim Wilhoit
Educational
Read More