Risky Hobbies Lead to Higher Life Insurance Premiums

Risky Hobbies Lead to Higher Life Insurance Premiums

People who invest in life insurance policies will often find that their premiums will be higher if they enjoy certain risky activities – like skydiving or auto racing, for example.

This is because insurance companies want to minimize their own financial exposure in regard to customers who, in the long run, may be far more likely than others to end up having their term life policies cashed in.

Life Insurance With Anxiety or Depression – What You Need to Know

insurance anxiety or depression

We’ve all had times in our lives when we didn’t feel at the top of our game. Maybe it was due to a job loss or the death of a family member; there are numerous reasons for feeling down.

However, according to the National Institutes of Mental Health, for 26.2 percent of Americans age 18 and older this feeling of hopelessness is due to a diagnosable mental disorder. That is approximately 14.8 million adults suffering from a major depressive disorder and about 40 million adults suffering from anxiety.

Many Potential Carcinogens Require Further Research

Potential carcinogens

Researchers are continuing to focus on a variety of different materials that are suspected of causing cancer, but which remain subject to incomplete research.

The American Cancer Society (ACS) reported that there are 20 suspected carconigens that need further investigation as to whether they cause cancer in humans. Among the items on the list were diesel fumes, formaldehyde and titanium dioxide.

Free Clinic Opens After Oil Disaster Strikes New Orleans

Free Clinic oil disaster

Louisiana residents suffering from health problems as a result of the recent oil spill in the Gulf of Mexico can take advantage of the return of a free clinic run by the National Association of Free Clinics. The organization previously operated in the area five years ago, in the wake of the devastation caused by Hurricane Katrina.

Air Pollution Emits Fine Particulate Matter That Can Damage Health

Air Pollution Emits Fine Particulate Matter That Can Damage Health

The American Heart Association reported that air pollution emits fine particulate matter that can damage health and there is growing scientific evidence this causes illness. Fine particulate air pollution is a result of fossil fuel combustion from vehicles and other sources, and is dangerous because of the microscopic particles that can become lodged in the […]

Lightning Can Endanger Your Property and Your Life

lightning Can Endanger Your Property and your Life

The Institute for Business and Home Safety is reminding people of the dangers of thunderstorms when it comes to property damage and even fatalities. According to the safety and risk management organization, an average of 80 people are killed each year in the U.S. by lightning, while another 300 are injured.

Is Workplace Violence Covered Under Business Liability Insurance?

Is Workplace Violence Covered Under Business Liability Insurance?

Shooting sprees in the workplace may get a lot of media attention but are rare, according the Federal Bureau of Investigations. However, the FBI’s statistics show 12 percent of violent crimes reported in the United States, including homicide, rape, robbery and aggravated assault, occurs at or are related to the workplace.

Why can hot Summer Weather be Deadly?

Why Can Hot Summer Weather be Deadly?

Soaring temperatures in much of the United States have inspired many people to seek out the comfort of beaches and lakes in recent days – but the dangerously hot weather can also serve as a reminder of the usefulness of a life insurance policy.

How can I Compare Quality of Care at Various Hospitals?

Compare Care Quality

By Life Quotes, Inc. Staff

Americans will be better able to compare and contrast the quality of care available at numerous hospitals, thanks to the release of new information on the website of the Department of Health and Human Services.

Benefits of Return of Premium Life Insurance

Return of Premium life insurance

If you’re seeking term life insurance and you would like to get some of the money you paid into the policy back, you might want to consider return of premium life insurance.

Term policies require the policyholder to pay regular premiums to keep the policy in force for a designated amount of time, usually 15, 20 or 30 years. If the policyholder dies during the term, their beneficiaries receive the death benefit. Although term insurance is the most straightforward of all insurance plans, if the policyholder doesn’t die and the policy expires, the policyholder would have to renew the policy for another set number of years to be covered, usually at a much higher rate.