What Life Insurance Products are Available in Texas

Reader’s Question: Could you please tell me what other related life insurance products are available in San Antonio Texas TX. Noah San Antonio, TX Thank you for your question, Noah. If you’re thinking about buying basic life insurance, there are products referred to as “riders” which allows you to modify your life insurance policy before [...]

Smoker Life Insurance Rates in Texas

Reader’s Question: I used to smoke at least 1 pack a day but am trying to quit. I’ve reduced my smoking to 3 sticks a day for about six months now. Will it benefit me in any way to inform my insurance company in San Antonio Texas TX about this? Jerry San Antonio, TX Congratulations, [...]

Difference Between Universal Life Insurance and Term Life Insurance

Reader’s Question: What’s the difference between whole, universal and term life insurance in San Antonio Texas TX? Timmy San Antonio, TX Well, Timmy, all three are life-based contracts, specifically investment policies which intend to assist the growth of your capital investment in San Antonio Texas TX. Term life insurance is considered a temporary type of [...]

Should I Get Variable Annuities in Texas?

Reader’s Question: I’ve heard exciting stories about huge payouts from variable annuities. Are these just myths or is it really possible to get rich by investing in variable annuities here in San Antonio Texas TX? Kerry San Antonio, TX Well, Kerry, I would love to hear those stories! Without the details, though, I can’t really [...]

Is Life Insurance Expensive for Chain Smokers?

Reader’s Question: I’m a chain smoker and am slightly overweight. Am I doomed to forever pay high premiums for life insurance here in San Antonio Texas TX? Nanette San Antonio, TX Well, Nanette, up to a certain degree, you are right. Certainly, your state of health impacts on the cost of the premiums that you [...]

What is Whole Life Insurance in Texas?

Reader’s Question: I understand term life insurance pretty well. I have a policy here in San Antonio Texas TX. What can you tell me about whole life insurance? Cappy San Antonio, TX Hello Cappy, Whole life insurance is the most popular form of permanent life insurance. There are many differences between whole life insurance and [...]

How Much Life Insurance Should I Buy

Reader’s Question: At home in San Antonio Texas TX my wife and I discuss the future every now and then, and one time she suggested that I buy a $100,000 life insurance policy. Why $100,000 and not $75,000 or maybe $250,000, or even a million? I ask you now, how much life insurance should I [...]

Life Insurance Claims in Texas

Reader’s Question: Hi There! How are we to know if that certain person has had life insurance right before he or she died? Let’s say a person lives in San Antonio Texas TX and he or she doesn’t have relatives that live near them, and when they die and nobody makes a claim, can the [...]