Answer to Readers Question: It is common for life insurance applications to ask the following questions:

• Do you regularly use tobacco or tobacco products? Life insurance companies strongly believe that smoking or using tobacco products in any form can make an individual’s life shorter and will charge higher premiums for smokers.Do you have AIDS, cancer, heart disease, or are you HIV+? Depending on the severity of any health conditions such as these, a life insurance company may sell you a policy at the normal rate or possibly charge you a more expensive price. If the health problem is extremely severe, most life insurance companies will directly reject your application.
• Do you have a hazardous career? With more dangerous jobs, companies tend to charge a more expensive price for a life insurance policy. If your job requires an above average amount of risky, life threatening behavior, expect a higher cost for life insurance.
• Does your immediate family have a history of fatal diseases or death at a young age not due to an accident? The life insurance company is not barred from questioning you about you and your family health history. Diseases that commonly run in the family that are fatal, such as heart disease, Sickle Cell Anemia, or cancer may cause a company to reject your application or charge you a higher rate.

Answer to Readers Question: When you apply for a life insurance policy, the company will inquire about your health status and often require a medical exam. The life insurance company will use information gathered to determine if and how they want to insure you.

This determination of “if” and “how” is referred to as “underwriting.” There are not many limits on the type of information underwriters can take into consideration.

Answer to Readers Question: If you have a question about the validity of the offer the best thing to do is to contact the department of insurance in your state and ask if they have received any complaints regarding this insurance company. It is also very wise to have your attorney review the offer and verify its validity.

Be cautious if it sounds “too good to be true,” to be able to blindly purchase life insurance through the mail, without the underwriter reviewing your case. I would be very skeptical of that sort of policy.

On the other hand, even seriously ill people can find affordable life insurance coverage – for face amounts significantly larger than the $10,000. The key is finding a knowledgeable broker with experience in placing tough cases.

Answer to Readers Question: As I understand it, vanishing premiums are not legal to sell, mainly because they are not really vanishing.

The type of policy that was commonly utilized was a Traditional Whole Life policy. These insurance policies paid dividends and the dividends were essentially used to pay the future premiums if and only if they were large enough to cover the required cost of the iinsurance.

Because the dividend scale is not guaranteed, there was no way to guaranty that the premiums would “vanish”. These whole life policies are still very popular, and the ability for the dividends to be used to pay for future premium is still available as long as the policy is provided by a mutual company that pays dividends.

There are also limited payment whole life policies, which are designed to require premiums for a limited number of years, at which time they become paid up, and require no future premium payments. These policies tend to be very expensive.

Answer to Readers Question: Sure it can be changed provided the court has sufficient proof to estalish doing so would be in everyone, particulary the children’s best interest. This might be possible, but if so it is done very rarely.

The city of Layton, in Utah was named after Christopher Layton, a morman colonizer and leader. The city of Layton has a total area of 20.8 square miles.

Laurie, the basic questions you will need to answer in order to get an term life insurance quote online is as follows:

1. What state do you line in?
2. How old are you?
3. Are you male or female?
4. What’s your height and weight?
5. Are you a smoker?
6. How long do you want coverage?
7. How much coverage do you want?
8. Have you had any of the following illness. i.e. Cancer, High blood pressure, heart attack? ( and a few more question about your health).

I would advice you to answer truthfully.

Term life insurance in Utah offers solution for family and business needs. If you live in Utah you can save 50% to 70% on no exam term life insurance.

Insurance that is intended to provide coverage for a specified period of time. In the event of your death, your survivors will receive the benefit payment.

Most people use term life insurance to:

* Pay off a mortgage or other debts.
* Provide for child-care or educational expenses.
* Replace income to continue the same standard of living.

No Exam Term life insurance is the highest level of coverage at the lowest initial cost. Choose how long you need protection; 5,10 or 20 years. Premiums are guaranteed up to 30 years.

Note: your beneficiaries will not have to pay federal income taxes on the money they receive from your life insurance. Also for a few extra dollars each month, you can ensure your children are protected — coverage is guaranteed until age 25.

Don’t wait to get a No exam term life coverage,you need now and you can get a free life insurance quote on line in less than 5 minutes.