Reader’s Question: I finally did it. I have not touched a cigarette in three months. It has not been easy but I no longer crave tobacco. Best of all, I can breathe, haha! What about life insurance, am I eligible to get one in Tampa, Florida? Cameron Tampa, FL Hello Cameron, Let’s begin with a [...]

Reader’s Question: My insurance provider in Tampa, Florida has recently introduced a new product called a ROP policy. Can you tell me more about ROP policy? Kevin Tampa, FL Return of Premium (ROP) policies may be a bit more costly but offer the benefit of returning your paid premiums if you outlive the term of [...]

Reader’s Question: I have been a heavy smoker for years and I dread to get a life insurance because I am pretty sure they will let me pay very high premiums. Is there any way I can cut down on life insurance premium since I can’t cut down on smoking. I am planning to get [...]