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: How can I get an affordable smoker’s life insurance online? I have searched for rates from local insurance companies in Tampa Florida FL but they seem to offer high rates for smokers like me. Lenny Tampa, FL The thought of paying high life insurance premiums may have scared you, but let me give [...]

Reader’s Question: I am looking for a life insurance and this is going to be my first time if I’m going to purchase one. An agent based in Tampa, Florida FL called me and presented the options. I’d like to know what is the cheapest among life insurance. Dylan Tampa, FL There different types of [...]

Reader’s Question: Our eldest son is considering the purchase of a permanent life insurance in Tampa Florida FL. Somebody from a local insurer he called up over the phone has recommended he look into a Universal Life Policy. Is this some sort of new insurance policy which just emerged in the market? I have a [...]

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 [...]

Reader’s Question: I am a graduating student from college and I am planning to get myself a health insurance card in Tampa Florida. What exactly is a pre-existing condition? What about Pre-authorization? Are they somewhat related in connection to my application? Andrew Tampa, FL   They’re not quite related Andrew. But for your benefit, I [...]