Reader’s Question: I recently moved to Alabama and a local life insurance company agent who happens to be my neighbor is offering me a whole life insurance. She says that I should get a participating policy. What does that mean? Mary Huntsville, AL Thank you for asking Mary Whole life insurance policies generally offer “permanent [...]

Reader’s Question: I have a whole life insurance policy with a company based in Alabama. I have been paying premiums for two years already and this year, I am planning to purchase a new house in Florida. Can I still use up the amount from the cash value account of my whole life insurance in [...]

Reader’s Question: I have currently moved to Alabama and am planning to apply for a life insurance. How does term life insurance differ from cash value life insurance in Alabama? Mark Birmingham, AL Thank you for asking Mark. Term life insurance is a type of insurance policy that provides death benefits without any savings, investment [...]

Reader’s Question: Where can I purchase the cheapest life insurance rate in Montgomery AL? What is the process of getting one online? Archie Thank you for asking Archie. When you purchase life insurance, I am sure you want a policy that will take care of your family’s needs without costing an arm and a leg. [...]

Reader’s Question: My cousin in Alabama has a cancer. He’s having difficulty getting a life insurance for herself. What’s the best thing he should do? Thank you. Helene Thank you for asking Helene. Getting life insurance quote in Alabama can be difficult and expensive if you have a serious medical condition. Suffering from cancer is [...]

Reader’s Question: Ive searched for several life insurance companies in Mobile AL but they all seem too expensive for me. How can I find a cheap term life insurance in Alabama? Henderson Thank you for asking Henderson. Actually, you might not find cheap term life insurance instantly in Mobile AL, but it’s actually not as [...]

Reader’s Question: Im having a difficulty on what life insurance to purchase or if I should get one. I want to make sure that I am going to get the best insurance provider in Huntsville AL and best quote. What do I need to do? May Thank you for asking May. If you compare life [...]

Reader’s Question: Is it really possible to get an affordable insurance rate for smokers in Montgomery AL? Will that lower my premium if I quit smoking? Cindy Thank you for asking Cindy. In the highly competitive insurance marketplace in Montgomery Alabama, insurance providers are starting to realize that smokers are a big market segment who [...]

Reader’s Question: What will be the disadvantages of getting a no exam life insurance in Birmingham AL? Is it easy to get one online? Tanya Thank you for asking Tanya. You should be aware that life insurance with no exam in Birmingham AL may cost you a little more than coverage through other insurance company. [...]

Reader’s Question: My friend told me that going through an insurance agent to get a quote charges a fee. Is there any way I can get a free quote anywhere in Birmingham Alabama? James Thank you for asking James. Free life insurance quotes are sometimes may not available with many Birmingham local agents and brokers. [...]