Virginia Life Insurance – Smoke Signals

No-one said it would be easy but giving up smoking is really worthwhile and its a perfectly achievable aim. Why not join the band of ex-smokers, starting from today? If are you now a reformed smoker, we have some even better news for you.

You can expect more than increased life expectancy and a vast improvement in your well-being if you quit smoking. The saving in your life insurance premiums will be noticeable too. Whilst its true that you might have to wait a little while before this last saving is within your grasp, in the meantime your savings on cigarettes can make quite a difference to your pocket.

Its quite usual to find that insurance companies require you to have had a five year smoke-free period. Technically they say not smoked or used nicotine products.

There are, however, some insurers who'll reward you for your good behavior by reducing the non-smoking period to just 12 months. If you can, hand on heart, say that you've refrained from smoking for a whole year, then find out what your insurers stance is on this. If you can do better, then do your homework and consider changing to a more sympathetic insurer. As a smoker you'll have been paying in the region of 60% more for your life insurance cover so savings are on the cards. At this stage, leave your old cover in place. You don't want to leave yourself uninsured and shouldn't do anything hasty until you have acceptance, in writing, from your new insurer.

To find out all about changing your insurance company you'll need to find a Virginia life insurance broker. The internet is the best place to look. Comparison sites will not be particularly useful as they wont give the information regarding the non-smoking period. Your Virginia life insurance agent will be able to give you all the information that you need, make comparisons for you, bearing the 12 month rule in mind. There.s an on-line discount too. Start off by talking to a human being and explaining your situation!

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Your quotes will come through quickly. You can then compare these with what your current policy is costing you, which will of course have been worked out when you were a smoker. Its the overall cost that counts and we think you may be quite impressed with the saving. There is no limit to the amount of help and quotations you can receive, your broker will be happy to help and there's no obligation on your part.

When you have pinpointed a particular quotation that interests you and has the 12 month condition, it'll be time to complete an application form. Do go through this carefully and read every question. Answer in full and be completely honest. Sometimes people try to reduce the premium by trying to put in the answer they think the insurer wants to hear, rather than the truth, the whole truth and nothing but the truth. It's simply not worth it.

The first price which you were quoted would be the insurance company's standard terms. The questions regarding things like health and weight may have some effect on the final figure. By leaving your current insurance in place, you'll have time to consider the quotation and make sure that you have the saving your twelve months of good behavior deserves.

Don't be discouraged from switching insurers, its very little trouble as far as you're concerned and its what the Virginia life insurance agent is there for.

Don't put it off.  Start the ball rolling today.

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Whole Life Insurance And Why People Choose It

Although term life insurance policies gets you cheaper monthly payments, when you request quotes, are whole life policies a better buy? With whole life policies you are covered for as long as you live and pay the premiums. With whole life insurance you are prepaying the cost of the policy but it is not a good investment, just a forced savings plan.

Is Whole Life Insurance Flexible ?

With whole life insurance you can choose a time when you can stop paying premiums, if there is sufficient cash surrender value. Most people spread the cost over their working life, so when they retire they are able to stop paying premiums. But remember you have prepaid these premiums because whole life is up to 5x more expensive than term life insurance.

When it comes to premiums, for whole life or term life insurance, you have the choice of lowering your death benefits, which lowers your payments.

The lowest premiums are with term life insurance but, if you get the term insurance quotes at a later age, the cost may be comparable. The positive side of whole life insurance is that there is no term specified which will run out and leave you without any life insurance as long as you pay your premium. However the same is true with term to 100 life insurance.

How Do I Get Personal Whole Life Insurance Information ?

As with any large financial decision, it is best to shop around and get the best quotes for your life insurance needs. Make sure that you are comparing similar policies between companies with the same amount of coverage. There are many insurance companies online, so shopping for your whole life insurance quotes is simple and you are never under obligation to buy.

Remember the best time to look into this is now, while the premiums are cheaper, especially for your whole life insurance.

Free Life Insurance Quotes Available Online

We often ask ourselves whether we really need life insurance. Well life insurance can be thought of as an investment for loved ones or can also be thought of in terms of protecting one’s assets financially. Imagine, leaving your children in a lurch. No matter what, one would always try and protect the interests of family first. So to get the best insurance you first need to get best life insurance quotes. Getting them from various organizations give you the flexibility to pick and choose the offer that will suit you best. You can select the period and the premium which is financially viable without pressure or liability. Now with Life Insurance Quotes available online makes our life much easier.

Often we get information by surfing web pages endlessly and ultimately making it more confusing then when you started in the first place. All you need to do is input the information asked, and the Term life insurance quote engine will give simplified information instantly that will enable you to make the right decision for your insurance needs. Life insurance quotes can help you find the best life insurance policy for your particular situation.

Being online makes it all simpler. You can access life insurance quotes on a 24×7 basis through out the year. By just filling up the quote form you can start investing money today for a better tomorrow.

If you are worried about privacy of your information, just relax. Rest assured that the information supplied will only be used to provide you with life insurance quote, and will never be shared with third parties.

Life insurance quotes which are available online save you time by providing you with faster access to information about various insurance policies and coverage. Online insurance quotes and online insurance rates from different insurance companies can quickly show you differences in policies between the various insurance companies. These insurance quotes can help you to save money through comparison shopping. Life insurance quotes from multiple insurance companies will help you to find the insurance with lowest premium, along with tailored insurance coverage to meet your personal insurance needs. Online life insurance quotes can save you time and even money.

They will give you the right information and the most appropriate quotes instantly. The more accurate is the information provided by you, more accurate will be your life insurance quote. The quote you will receive will depend on your medical history and current health status.

Don’t think life insurance as an addition to your expenditure. Life insurance coverage is the first help your family would get in the unfortunate event of your death. Especially in the event of untimely death. For those who are the breadwinners, an untimely death would cause dependents to be suddenly without financial security. This is where the right kind of insurance policy can help you financially. A life insurance benefit would steady the rocking boat. Insurance money cannot replace you but it can at least support your family financially in the time of grief.

Be prepared, with the right insurance! The right insurance coverage will give you peace of mind, and can also help reduce any financial impact to you. Get a life insurance quote today!

Top 5 Jobs Which Require Life Insurance

Life insurance is an important aspect of everyone's lives and is something which everyone will have to face at some point in time throughout their lives. This point may come sooner rather than later for some individuals because of the job they perform on a daily basis.

While some individuals start everyday by putting on their suits and racing to get to the coffee shop for their morning coffee, others are strapping on their work boots and preparing themselves for a day of excruciatingly hard labor. As scary as it may sound, there are many individuals who are willing


Scuba Divers May Need Life Insurance

to put their lives in danger every single day when they get up and go to work.

The following is a list of the top 5 jobs which are considered to be the most dangerous jobs in the world. Individuals who perform these jobs are highly recommended to have a life insurance plan incase (god forbid) anything goes wrong on any given day. These are the 5 occupations which made the list:

1. Police/Detectives Police Officers face life threatening situations almost everyday. They are highly trained to defend themselves and are equipped with protective equipment at all times. Life insurance and disability insurance are crucial for individuals working in the field of policing.

2. Airplane Pilots Believe it or not, airplane pilots require life insurance because they are dealing with such powerful machines which have been known to have mechanical glitches. Airplane pilots are also highly trained in their field to make sure they do their best to fly safely.

3. Construction Workers Construction workers are somewhat unappreciated for the amount of hard work they do everyday. They not only put their lives in danger from all the machinery they are expected to operate, but they also face many factors which will affect their health in the long run. Overexposure to sun, heat and excessive lifting are just a few of these factors.

4. Farm Workers Much like construction workers, farm workers are at high risk of injury or death due to the fact that they are constantly operating heavy machinery. There are hundreds of farm work related deaths a years and thousands of injuries for individuals working in farm fields. Life insurance and disability insurance are important for individuals in this occupation.

5. Fire Fighters It is a known fact that fire fighters put their lives on the line everyday to save the lives of others. Knowing the potential consequences and performing the job anyways indicates that these workers deserve the highest level of respect from others. Individuals who have chosen careers in firefighting are also likely to have a life insurance policy.

Is your job dangerous? Is your life on the line everyday? Maybe not, but there are many other factors other than your occupation which may indicate you need life insurance. Life insurance is a plan which will ensure your loved ones are taken care of incase anything happens to you. Wouldn't you like to know your family would be looked after should this type of situation occur?

Searching For Cheap VirginiaTerm Life Insurance

Getting cheap Virginia term life insurance is not difficult.

Term life insurance provides life insurance for a specified period of time at a specified premium.




cheap term life insurance

At David Lewis Jr Virginia Life Agent, we provide term life insurance that is comprehensive, yet affordable.

This is possible because we represent many leading term life insurance companies in Virginia, and are therefore able to offer you a cheap Virginia term life insurance plan.

We understand that you have numerous other financial commitments and long-term plans. Therefore, we do not want to stretch your finances further with un-affordable premium.

The additional savings you get from a cheap Term life insurance can be utilized for your more pressing financial needs.

It is relatively easy to get a cheap term life insurance quote.

All that is required of you is to spend a few minutes and fill out a simple online request form and you can get a cheap term life insurance quote in Virginia.

The entire process is online and you can always count on our friendly and knowledgeable customer support if you happen to have any additional questions about the cheap term life insurance plan.

In addition to the ease with which you can get a cheap term life insurance rate , we also strive to give you an efficient and reliable customer service for many years to come.

We urge you to act today and consider us for a cheap Virginia term life insurance plan.