This article tells a true story. If you, a loved one, or someone you know smokes and needs life insurance, you'll not only enjoy this story, but will want to learn how to achieve the good-news result.
The hero of this story is a young woman, Kelly (her real name). Kelly is a key employee of the insurance consultant (XYZ) my estate planning clients normally work with. Her expertise is to search the market for the best insurance company and policy (type of coverage, cost and other p