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Brian Said:

Where can I go online to compare rates for a personal loan?

We Answered:

www.bankrate.com will show you rates in your area. You should know that you have to have excellent credit to get a personal loan and also have the means to repay it.

A credit union is your best bet for a good rate and a safe lender to deal with.

Anne Said:

What if any are the difference in term insurance rates for a nicotine gum user compared to a smoker?

We Answered:

I can think of at least two A+ rated companies that would offer non-smoker rates or better. This could save you 50% or more on you life insurance premiums.

It still baffles me that other agents haven't just memorized the list. Let me know what state you're in and I'll email you some info.