Reader’s Question: I have been a victim once of a very unsatisfactory service by one of the providers I got from my health insurance policy in Independence MO. I have heard a lot about pay-for-performance, and I am hoping that could help policyholders like me to get better service. How will that affected my health [...]

Reader’s Question: I am a 24-year old student in dental medicine and I am still single. Is there such thing as a student life insurance policy in Missouri? I am hoping I can find one that is cheaper than the regular type of life insurance policy. Gene Columbia, MO   You have such great thinking, [...]

Reader’s Question: Do cheap life insurance policies also have room for riders? Does it mean that because it is cheap, it has more disadvantage than advantage compared to other types? I live in Missouri. Desmond Kansas City, MO   Thank you for asking Desmond! Despite of the limitations of cheap life insurance policies in Missouri [...]

Reader’s Question: Is there any difference between standard and preferred rates for life insurance policy? How do I qualify for preferred rates? If my policy is already in force, will my policy ever be cancelled for health reasons? I live in Missouri. Anthony Independence, MO   Preferred rates usually give better premiums than standard rates [...]