Are All Forms of Tobacco Bad for My Health?

Are All Forms of Tobacco Bad for My Health?

The use of smokeless tobacco products may be more widespread than some people previously thought. Data from the Centers for Disease Control and Prevention reveals use of such products is highest in Wyoming and West Virginia.

Furthermore, the CDC says smokeless tobacco use is most prevalent among among young adults, men, and those who did not receive an education beyond the high school level.

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Why Men’s Life Insurance Premium Rates Differ From Females

Why Men’s Life Insurance Premium Rates Differ From Females

On the third Sunday in June, men everywhere receive odd gifts—from strangely patterned neckties, and shirts that don’t fit, to handmade drawings and socket wrenches. Welcome to Father’s Day.

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How to Lower Your Insurance Premiums If You Have Diabetes

How to Lower Your Insurance Premiums If You Have Diabetes

Diabetes is a highly treatable, but potentially deadly, disease if left untreated or undiagnosed. According to the American Diabetes Association, both the death rate from heart disease and risk for stroke are two to four times higher for people with diabetes. It is the leading cause of kidney failure and new cases of blindness and is the reason for more than 60 percent of lower limb amputations.

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Should I Get an Accidental Death Benefit Rider?

Should I Get an Accidental Death Benefit Rider?

Do you work in a job that involves a lot of health risk? Perhaps you do a great deal of heavy lifting, work on a construction site or in a coal mine, or find yourself frequently on the road.

If this sounds familiar, attaching an “accidental death benefit” (ADB) rider to your term life policy may be a worthwhile acquisition. According to New York Life, ADB riders provide additional benefits to your family if you die as a result of physical injuries resulting from accidental circumstances while on the job.

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Supplementing Your Group Life Insurance Policy

Supplementing Your Group Life Insurance Policy

With the current turbulent economic times leading to more employers discontinuing sponsored benefits, relying solely on group life insurance plans to provide your family with financial security can be akin to playing Russian Roulette.

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How Weight Affects Life Insurance Rates

How Weight Affects Life Insurance Rates

First the good news: if you’ve picked up a little weight over the winter, chances are your life insurance won’t be too badly affected. Any more than that, then you’ll have to cut the fat, or your insurers will charge you for it.

The bad news is, as a nation, we’re getting fatter. This is a huge problem for the life insurance companies, because obesity leads to a host of other serious health problems.

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How will smoking bans reduce second-hand smoke?

How will smoking bans reduce second-hand smoke?

Throughout the past couple of years, local and state wide smoking bans have been making their way across the United States, hoping to establish healthier living conditions. Smoking bans are aimed at reducing a non-smokers’ exposure to the harmful toxins found in cigarettes.

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