That’s quite interesting. I went through for one long-term life insurance, got a quote of $1200 a year for $500k payout; then I went through the health, and apparently because my father is ailing and I checked the ‘has used nicotine gum’ option, the premium triples!
Thank you—I failed to find these (possibly due to a lack of terminology knowledge on my part), but these tools look fantastic and exactly what I wanted to see.
A quick search turns up a number of independent life insurance brokers. For example, this one operates in MA.
Also, some actuarial tables are already online.
That’s quite interesting. I went through for one long-term life insurance, got a quote of $1200 a year for $500k payout; then I went through the health, and apparently because my father is ailing and I checked the ‘has used nicotine gum’ option, the premium triples!
Thank you—I failed to find these (possibly due to a lack of terminology knowledge on my part), but these tools look fantastic and exactly what I wanted to see.
Uhhh… Do you mind removing the unnecessary flattery from your OP edit?
Apologies. Is done.