When you apply for a life insurance policy, or a health insurance policy, you can expect to be asked a lot of questions about your health. You may have heard that many insurance companies will assign a lower premium to people who are non-smokers, and a higher one to people who smoke. What you may not realize is what, exactly, will cause the insurance company to consider you to be a smoker. Insurance companies want to know a whole lot about you. They are very interested in what may seem to you like tiny little details about your health because … Continue reading →

On Christmas Eve, there will be lots of children who are excitedly awaiting the arrival of Santa Claus. Kids tend to think of Santa as magical, and generous, and an all around nice person. Insurers, however, don’t see Santa in quite so positive a light. Instead, they see risk. Christmas Eve is, undoubtedly, Santa’s big night. This is the one night a year when he will carry a huge bag, stuffed with heavy presents, for hours at a time. He will walk on ice covered roofs, and slide down snug, (and dirt encrusted), chimneys. All of this is in an … Continue reading →