If you are considering a term life insurance policy, it may be helpful to research first, before you begin buying life insurance online.

Knowing how long a person is expected to live may be morbid but it is also important when figuring out your whole or term life insurance needs. The top two causes of death in the United States, heart disease and cancer, are responsible for more than 50% of America’s annual deaths, according to the Center for Disease Control and the National Institutes of Health. Of the remaining 15 top causes of death, such as cerebrovascular diseases, accidents, chronic lower respiratory diseases, diabetes mellitus, influenza and pneumonia, Alzheimer’s disease, sephritis, nephrotic syndrome, nephrosis, septicemia, suicide, chronic liver disease, primary hypertension and hypertensive renal disease, Parkinson’s disease, and homicide, five alone contribute to seven out of 10 of all deaths. Go to this page to learn more about life insurance for smokers.

A term life insurance policy may help cover your insurance needs for a specified period of time. States that have the highest amount of smoking, Kentucky and Tennessee, also have the highest rates of heart disease. Your risks could increase and change depending on where you live. You may want to factor this in when you are buying life insurance online. To learn more about buying life insurance online, read the article “Is it Safe Buying Life Insurance Online?”