Life insurance for vapers? We all know vaping is much safer than smoking. But does switching earn you a price break on insurance?

Posted by on 10/4/2016 to News 0 Comments

Do vapers need life insurance? Of course! Like everyone else, vapers want to protect their families in case something terrible and unexpected happens. And it's wise especially if you have kids, or are leaving a lot of financial liabilities for your family to deal with.

Life insurance is roughly divided into two types, whole life and term. CNN Money says whole life policies combine a fixed payout amount in case of death with an investment component. Part of the money you pay in premiums goes into investment funds managed by the insurance company. Term policies just insure you for a fixed period, without the investment option. They're often paid for year-by-year, but some have longer coverage periods, some as long as 30 years.

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Smoking continues to plummet in the US

Posted by on 8/24/2016 to News 0 Comments

A latest CDC report shows that the smoking rate amongst American adults dropped by 6% from 2005 to 2015, from 21% to 15%. Ultimately this means that there is a significant 8.6 million less smokers than in 2005.

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