Most people find it near impossible to quit smoking, so slowing down is the most viable option. This slowing down can be known in some circles as “quieting”. Insurance rates usually don’t give you a credit for being a non-smoker until you have been “fully quit” for at least 5 years. Hope this helps.

I have two adult children and I want them to be able to pay my funeral costs, without taking money from their families!

I would also like to leave them some money to make up for the help I have given them for emergencies or necessary expenses they are not able to cover! Is there a policy that would provide this kind of help?

Hi Ramesh – You can get quotes from online life insurance quotes websites.

Hi Carolina – Check with an insurance broker in your area, or get quotes online from a life insurance quotes website.

Ms. Lagos, I sincerely​ hope you are joking, may I suggest getting a job, and being a productive adult with their own income and not another child pretending to be and adult looking for a handout these kinda comments about permanent spousal support is absolutely ridiculous, and one of the vile self centered and entitled things that is wrong with the world. Divorce is one thing, if a situation is toxic, but continuing the toxic, spiteful nonsense, your saying is insulting to your fellow man.