Term Life Insurance for Boise Idaho residents

How do you find and buy Term Life Insurance in Boise Idaho, well the post below will help guide you in your search. Learn who to contact and how to get the best life insurance rates and plans.

clipped from hubpages.com Boise Term Life Quotes A Term Life Insurance quote comparison is very easy and accessible to obtain virtually anywhere on the world wide web. When looking for Boise Idaho Life Insurance you might also want to look around for the following cites as well, Meridian Idaho, Eagle Idaho, Nampa Idaho, Caldwell Idaho and Twin Falls Idaho. We have heard good things about the following site helping Idaho insureds find affordable life and health insurance Boise Idaho Life Insurance. Here is another great informational resource for Idaho Life Insurance quotes, rates and plans.

How does Smoking affect your Life Insurance Rates and Premiums?

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If you are a smoker or tobacco product user and looking for a life insurance policy then you should be prepared for the fact that your premiums will be higher.  Smokers Life Insurance plans are simply higher due to the fact that their life expectancy is shorter than those that don't use tobacco products.  Below is a great article talking about these points and what to expect as far as tobacco life insurance premiums and rates. 

Smoker? Ex Smoker? How Smoking Can Affect Your Life Insurance Premiums

If you smoke, the likelihood of dying from smoking-related causes rises dramatically. Therefore, life insurance companies typically charge smokers higher rates than non smokers. This is to compensate them for the additional risk they incur when extending a policy to a smoker.

Because smoking can have such a significant impact on a policyholder’s health, insurance companies use an assortment of classifications for smokers. These classifications are based upon the amount of time that has elapsed since the policyholder last smoked. A “preferred plus” policyholder is a person that has not smoked for 5 years or longer. For those who have avoided smoking for at least 3 years, they’re awarded a “preferred” status. Lastly, a “standard” designation is typically given to a policyholder that has not smoked for at least 12 months.

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ING Term Life Insurance - Term Smart Products

ING Reliastar Term Life Insurance is really one of the most competitive and underwriting friendly plans in the marketplace today. Great post on the plans and policies that this large life insurer offers to the consumer.

clipped from ingtermsmartlifeins.wordpress.com Term Smart ING Life ING has purchased a number of US based Life Insurance Companies over the last decade, one of them being Reliastar Life Insurance Company. Another large US based co. they purchased was Security Connecticut. ING has positioned themselves in the market place with a world class line up of some of the most competitively priced products and service in the country. With the cream of their product crop in our opinion is their ING Term Smart life insurance plans, these term life plans are some of the most competitively priced in the marketplace today. Impaired Risk and Substandard offers are also very favorable from ING Reliastar Life. What that means is they are competitive if you have any health issues. You should have your broker or agent shop them to make sure you are getting a great offer regardless of any health concerns.