If you’re a smoker, finding affordable life insurance can feel like an uphill climb—but it doesn’t have to be. We’ve reviewed rates from more than 50 top companies to see which ones offer the best coverage and pricing for smokers. This guide explains how smoking impacts your premiums, which insurers are most flexible, and proven […] Read more
Call Today!
CONTACT US | ABOUT US | BLOG | ToU, Disclaimer, Privacy | Accessibility
Disclaimer: Life insurance policies are not investments and, accordingly, should not be purchased as an investment. In addition, by using this website, I confirm that I understand and agree to the applicable Privacy Policy and Terms of Service. I understand that by calling the phone number above I will reach a licensed sales agent.
Copyright © 2025 InsuranceBrokersUSA.com and Insurance and Estate Strategies LLC all rights reserved.
14362 N. Frank Lloyd Wright Blvd, Suite 2151, Scottsdale AZ 85260.
InsuranceBrokersUSA.com is a free information source designed to help find insurance coverage. We compile our data from multiple sources, which includes the government, non-profit and private sources. The rates and information displayed are for informational purposes only and should not be construed as advise, consult, or recommendation. For specific plan details and further information, contact carriers directly.
Steven Gibbs is domiciled in California. See the jurisdictions in which Steven Gibbs and our other agents are licensed, admitted or otherwise authorized to market insurance products and/or legal services to consumers. This website is provided by Steven Gibbs and Insurance and Estate Strategies LLC, a Florida limited liability Company, located at 14362 N. Frank Lloyd Wright Blvd, Suite 2151, Scottsdale AZ 85260, in order to educate and inform the general public of the services we offer only.
Due to Steven Gibbs license as an attorney, this website may be interpreted to constitute attorney advertising. Submission of information to insuranceandestates.com or use of this website, does not constitute an attorney client relationship with Steven Gibbs unless and until the terms of our agreement are confirmed in writing. By completing a questionnaire or requesting information from insuranceandestates.com, you consent and expect to be contacted by a licensed insurance agent via phone, email, text or direct mail. InsuranceBrokersUSA.com will not sell your information to a third party. Any health or personal information shared is protected by applicable HIPAA privacy laws and regulations. InsuranceBrokersUSA.com affiliated agents are independent and appointed in multiple states. Invitations for application for life insurance on insuranceandestates.com are made through its designated agent, Steven Gibbs, only where he is respectively licensed and appointed.
The following agent license numbers of Steven Gibbs are provided as required by state law: AZ agent #17508301, TX agent #2273189, CA agent #0K10610, LA agent #769583, MA agent #2049963, MN agent #40563357, UT agent #655544. Additional licenses of Steven Gibbs are available upon request. No portion of InsuranceBrokersUSA.com may be copied, published, faxed, mailed or distributed in any manner for any purpose without prior written authorization of the owner. If an InsuranceandEstates visitor requests a quote, InsuranceBrokersUSA.com may enlist the help of other independent agents to help its customers find the best values. Life insurance policies described, quoted, shown and illustrated throughout this website are not available in all states. Rates and time taken to qualify and purchase a life insurance policy vary by product and underwriting requirements.
Enter your name and email to get FREE access!
