Articles

What are Preferred Rates in Life Insurance? Insurance Professionals Explain

Life insurance is a crucial component of financial planning, providing peace of mind and security for your loved ones in case of the unexpected. However, not all life insurance policies are the same, and the rates can vary significantly. Preferred life insurance rates are offered to individuals who …
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Top 10 Recreational Drugs and Their Impact on Life Insurance

When it comes to applying for life insurance, individuals are required to disclose their medical history and lifestyle habits that could potentially impact their coverage. One such factor that will significantly affect life insurance premiums is drug usage. Whether it involves recreational drugs, pr…
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Conquering Cancer: Johnny’s Story

I first interviewed Johnny in 2018, after being truly inspired by his courage and ability to overcome extreme adversity. I am a strong believer in the old adage that ‘every challenge in life creates an opportunity.’ Johnny is living proof of this, and his ability to conquer cancer has given him …
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Life Insurance and Bodybuilding

High performance sports can have an impact on insurance rates. Why? Because most sports of this nature include a risky component that the insurer must offset with higher premiums or by offering rated, simplified, or guaranteed issue insurance if the applicant does not qualify for traditional coverag…
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How Big of a Role Can Exercise Play in the Insurance Underwriting Process?

We have heard it time and time again. Exercise is important for health and healthy people get better life insurance rates. However, just how big of a role does exercise play in the underwriting process? We asked Karen Cutler, Chief Underwriter Individual Insurance at Manulife, for her thoughts on th…
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Smoking and Insurance Premiums: What You Must Know

While there are many things that affect life insurance rates, being a smoker is one risk factor that is always viewed in a negative light. Why? Because smoking creates a lot of health risks – which could be avoided by the applicant choosing not to smoke. Let’s take a closer look at this issue. W…
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Baseball Player Insurance: The Ins and Outs of the Matter

When it comes to playing professional sports, there is a lot of risk involved. With the physical nature of the game, injuries can happen at any time and can have long-lasting effects on a player’s career. This is why it’s important for players to have life insurance in place to protect themselve…
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10 Lifestyle Changes That Could Lower Your Life Insurance Premiums

Getting the best life insurance premium for the highest possible coverage amount is important. Life insurance is what stands between your and your loved ones’ financial future should something catastrophic happen. Whether it is critical illness insurance that pays a lump sum to the life insured to…
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Life Insurance and Extreme Sports: Q & A with Mathieu LeBlanc & Phillip Setter

It is common knowledge that being young and in good health provides the best life insurance rates. However, what happens when that youth and health are due to participation and enjoyment of extreme sports? Underwriters base premiums on risk; how do they view applicants that look risk in the face and…
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