/**
 * General Functions
 *
 */

defined( 'ABSPATH' ) || exit; // Exit if accessed directly



/**
 * Get the components of theme mobile header
 */
if( ! function_exists( 'tie_mobile_header_components' ) ) {

	function tie_mobile_header_components( $area ){

		$mobile_header_components = array(

			'menu' => tie_mobile_menu_icon(),

			'search' => '
				<a href="#" class="tie-search-trigger-mobile">
					<span class="tie-icon-search tie-search-icon" aria-hidden="true"></span>
					<span class="screen-reader-text">'. esc_html__( 'Search for', TIELABS_TEXTDOMAIN ) .'</span>
				</a>
			',

			'skin' => '
				<a href="#" class="change-skin" title="'. esc_html__( 'Switch skin', TIELABS_TEXTDOMAIN ) .'">
					<span class="tie-icon-moon change-skin-icon" aria-hidden="true"></span>
					<span class="screen-reader-text">'. esc_html__( 'Switch skin', TIELABS_TEXTDOMAIN ) .'</span>
				</a>
			',
		);

		// Login and user account
		if( is_user_logged_in() ){

			ob_start();
			tie_login_form();
			$login_form = ob_get_clean();

			$current_user = wp_get_current_user();
			$mobile_header_components['login'] = '
				<a href="#" class="profile-btn">'.
					get_avatar( $current_user->ID, apply_filters( 'TieLabs/Login/avatar_size', 30 ) ) .'
					<span class="screen-reader-text">'. esc_html__( 'Your Profile', TIELABS_TEXTDOMAIN ) .'</span>
				</a>

				<div class="components-sub-menu comp-sub-menu components-user-profile">'. $login_form .'</div>
			';
		}
		else {
			$mobile_header_components['login'] = '
				<a href="#" class="lgoin-btn tie-popup-trigger">
					<span class="tie-icon-author" aria-hidden="true"></span>
					<span class="screen-reader-text">'. esc_html__( 'Log In', TIELABS_TEXTDOMAIN ) .'</span>
				</a>
			';
		}

		// WooCommerce Cart
		if ( TIELABS_WOOCOMMERCE_IS_ACTIVE ){
			$mobile_header_components['cart'] = tie_component_button_cart();
		}

		// BuddyPress
		if ( TIELABS_BUDDYPRESS_IS_ACTIVE ){
			$mobile_header_components['bp_notifications'] = tie_component_button_bp_notifications();
		}

		// Check the active components
		$components = array();
		foreach ( $mobile_header_components as $key => $html ) {
			if( tie_get_option( 'mobile_header_components_'.$key ) == $area ){
				$components[ $key ] = '<li class="mobile-component_'.$key .' custom-menu-link">'. $html .'</li>';
			}
		}

		//
		$components = apply_filters( 'TieLabs/Mobile/Header/Components', $components, $area );


		if( ! empty( $components ) ){
			echo '<div id="mobile-header-components-'. $area .'" class="mobile-header-components">';
				echo '<ul class="components">'. join( ' ', $components ) .'</ul>';
			echo '</div>';
		}

		// If Header layout is centered we need to place the div even if it is empty || FLEX
		elseif ( tie_get_option( 'mobile_header' ) == 'centered' ) {
			echo '<div id="mobile-header-components-'. $area .'" class="mobile-header-components"></div>';
		}

		return false;
	}
}


/**
 * Mobile Menu icon
 */
if( ! function_exists( 'tie_mobile_menu_icon' ) ) {

	function tie_mobile_menu_icon(){

		if( ! tie_get_option( 'mobile_header_components_menu' ) ){
			return false;
		}

		$menu_icon = tie_get_option( 'mobile_menu_icon', 1 );

		$class = 'tie-mobile-menu-icon ';

		if( is_numeric( $menu_icon ) ){
			$class .= "nav-icon is-layout-$menu_icon";
		}
		else{
			$class .= "tie-icon-$menu_icon";
		}

		$class_wrapper = tie_get_option( 'mobile_menu_text' ) ? 'menu-text-wrapper' : '';

		$mobile_icon  = '<a href="#" id="mobile-menu-icon" class="'. $class_wrapper .'">';
		$mobile_icon .= '<span class="'. $class .'"></span>';

		if( tie_get_option( 'mobile_menu_text' ) ){
			$mobile_icon .= '<span class="menu-text">'. esc_html__( 'Menu', TIELABS_TEXTDOMAIN ) .'</span>';
		}
		else{
			$mobile_icon .= '<span class="screen-reader-text">'. esc_html__( 'Menu', TIELABS_TEXTDOMAIN ) .'</span>';
		}

		$mobile_icon .= '</a>';

		return $mobile_icon;
	}
}


/**
 * Mobile Header Components Main area
 */
if( ! function_exists( 'tie_mobile_header_components_area_1' ) ) {

	add_action( 'TieLabs/Logo/before', 'tie_mobile_header_components_area_1' );
	function tie_mobile_header_components_area_1(){
		tie_mobile_header_components( 'area_1' );
	}
}



/**
 * Mobile Header Components
 */
if( ! function_exists( 'tie_mobile_header_components_area_2' ) ) {

	add_action( 'TieLabs/Logo/after', 'tie_mobile_header_components_area_2' );
	function tie_mobile_header_components_area_2(){
		tie_mobile_header_components( 'area_2' );
	}
}/**
 * Filters
 *
 */

defined( 'ABSPATH' ) || exit; // Exit if accessed directly


class TIELABS_FILTERS {

	/**
	 * Runs on class initialization. Adds filters and actions.
	 */
	function __construct() {

		// Add Support for Shortcodes in the terms descriptions
		add_filter( 'term_description', 'do_shortcode' );

		add_action( 'init',                  array( $this, 'init_hook' ) );
		add_action( 'init',                  array( $this, 'redirect_random_post' ) );

		add_action( 'wp_head',               array( $this, 'meta_description' ) );
		add_action( 'wp_head',               array( $this, 'meta_generator' ) );
		add_action( 'wp_head',               array( $this, 'x_ua_compatible' ) );

		add_action( 'wp_footer',             array( $this, 'footer_inline_scripts' ), 999 );
		add_action( 'wp_footer',             array( $this, 'footer_misc'  ) );
		add_action( 'wp_footer',             array( $this, 'popup_module' ) );

		add_action( 'comment_class',         array( $this, 'is_avatar_enabled' ) );
		add_filter( 'pre_get_posts',         array( $this, 'search_filters' ) );
		add_filter( 'pre_get_posts',         array( $this, 'category_posts_order' ) );
		add_filter( 'TieLabs/cache_key',     array( $this, 'cache_key' ) );
		add_filter( 'widget_tag_cloud_args', array( $this, 'tag_widget_limit' ) );
		add_filter( 'widget_title',          array( $this, 'tagcloud_widget_title' ), 10, 3 );
		add_filter( 'login_headerurl',       array( $this, 'dashboard_login_logo_url' ) );
		add_filter( 'login_head',            array( $this, 'dashboard_login_logo' ) );
		add_filter( 'get_the_archive_title', array( $this, 'archive_title' ), 15 );
		add_filter( 'wp_link_pages_args',    array( $this, 'pages_next_and_number' ) );
		add_filter( 'excerpt_more',          array( $this, 'excerpt_more' ) );
		add_filter( 'get_the_excerpt',       array( $this, 'post_excerpt' ), 9 );

		add_filter( 'has_post_thumbnail',    array( $this, 'has_post_thumbnail' ) );
		add_filter( 'post_thumbnail_html',   array( $this, 'default_featured_image' ), 10, 5 );

		add_filter( 'TieLabs/exclude_content',            'TIELABS_HELPER::strip_shortcodes' );
		add_filter( 'wp_get_attachment_image_src',        array( $this, 'gif_image' ), 10, 4 );
		add_filter( 'wp_get_attachment_image_attributes', array( $this, 'small_thumb_image_class' ), 10, 3 );

		add_filter( 'TieLabs/Primary_Category/custom', array( $this, 'yoast_seo_primary_category' ) );

		// Translations
		if( tie_get_option( 'translations' ) ){
			add_filter( 'gettext', array( $this, 'theme_translation' ), 10, 3 );
		}

		if( tie_get_option( 'translation_numbers' ) ){
			add_filter( 'get_the_date',                   array( $this, 'translate_numbers' ), 55 );
			add_filter( 'get_comment_date',               array( $this, 'translate_numbers' ), 55 );
			add_filter( 'get_comment_time',               array( $this, 'translate_numbers' ), 55 );
			add_filter( 'comments_number',                array( $this, 'translate_numbers' ), 55 );
			add_filter( 'wp_list_categories',             array( $this, 'translate_numbers' ), 55 );
			add_filter( 'TieLabs/number_format',          array( $this, 'translate_numbers' ), 55 );
			add_filter( 'TieLabs/post_date',              array( $this, 'translate_numbers' ), 55 );
			add_filter( 'TieLabs/reading_time',           array( $this, 'translate_numbers' ), 55 );
			add_filter( 'TieLabs/post_views_number',      array( $this, 'translate_numbers' ), 55 );
			add_filter( 'TieLabs/Social_Counters/number', array( $this, 'translate_numbers' ), 55 );
			add_filter( 'TieLabs/Weather/number',         array( $this, 'translate_numbers' ), 55 );
		}
	}


	/**
	 * init_hook
	 */
	function init_hook(){

		/*if( current_user_can( 'manage_options' ) ){
			add_filter( 'the_content', array( $this, 'shortcodes_notice' ) );
		}
		*/

		//WordPress doesn't recognize it as RTL language because there is an error in the main translation file of the Sindhi language!
		if( get_locale() == 'snd' && ! is_rtl() ){
			global $wp_locale;
			$wp_locale->text_direction = 'rtl';
		}
	}


	/**
	 * Add notice for the shortcodes plugin
	 */
	function shortcodes_notice( $content ){

		// Don't show the message if this is excerpt OR backend OR AMP
		if(
				is_admin() ||
				( function_exists( 'is_amp_endpoint' ) && is_amp_endpoint() ) ||
				in_array( 'parse_request',   $GLOBALS['wp_current_filter'] ) ||
				in_array( 'get_the_excerpt', $GLOBALS['wp_current_filter'] ) ){
			return $content;
		}

		$message = '';

		// Timetable and Event Schedule Plugin
		if( ! TIELABS_MPTIMETABLE_IS_ACTIVE ){

			if( strpos( $content, '[mp-timetable' ) !== false ){

				$message .= TIELABS_HELPER::notice_message( sprintf(
					esc_html__( 'This section contains some shortcodes that requries the %2$s%1$s%3$s Plugin.', TIELABS_TEXTDOMAIN ),
					'<strong>Timetable and Event Schedule</strong>',
					'<a href="https://wordpress.org/plugins/mp-timetable/" target="_blank" rel="noopener">',
					'</a>'
				), false );
			}
		}

		// Contact Form 7 Plugin
		if( ! class_exists( 'WPCF7' ) ){

			if( strpos( $content, '[contact-form-7' ) !== false ){

				$message .= TIELABS_HELPER::notice_message( sprintf(
					esc_html__( 'This section contains some shortcodes that requries the %2$s%1$s%3$s Plugin.', TIELABS_TEXTDOMAIN ),
					'<strong>Contact Form 7</strong>',
					'<a href="https://wordpress.org/plugins/contact-form-7/" target="_blank" rel="noopener">',
					'</a>'
				), false) ;
			}
		}

		// Return the content with message
		return apply_filters( 'TieLabs/shortcodes_check', $message, $content ) . $content;
	}


	/**
	 * x_ua_compatible
	 */
	function x_ua_compatible(){
		echo '<meta http-equiv="X-UA-Compatible" content="IE=edge">';
	}


	/**
	 * meta_escription
	 */
	function meta_description(){

		// Return if the description option is disabled or the Yoast SEO or Rank Math SEO plugins are active
		if( ! tie_get_option( 'post_meta_escription' ) || class_exists( 'WPSEO_Frontend' ) || class_exists( 'RankMath' ) ){
			return;
		}

		// Single Page doesn't have a builder
		if( is_singular() && ! TIELABS_HELPER::has_builder() ){

			$post = get_post();

			if( ! empty( $post->post_content ) ){
				$description = apply_filters( 'TieLabs/exclude_content', $post->post_content );
			}
		}
		// Archives
		elseif( get_the_archive_description() ){
			$description = get_the_archive_description();
		}

		// Default
		if( empty( $description ) ){
			$description = get_bloginfo( 'description' );
		}

		if( ! empty( $description ) ){
			$description = strip_tags( strip_shortcodes( $description ) );
			echo ' <meta name="description" content="'. esc_attr( wp_html_excerpt( $description, 150 ) ) .'" />';
		}
	}


	/**
	 * Theme translations
	 */
	function theme_translation( $translation, $text, $domain ){

		if( $domain == TIELABS_TEXTDOMAIN || $domain == 'amp' ){

			$translations = tie_get_option( 'translations' );

			if( ! empty( $translations ) ){  // To minimize the calls of sanitize_title
				$sanitize_text = sanitize_title( htmlspecialchars( $text ) );

				if( ! empty( $translations[ $sanitize_text ] ) ){
					return htmlspecialchars_decode( $translations[ $sanitize_text ] );
				}
			}
		}

		return $translation;
	}


	/**
	 * Add the inline scripts to the Footer
	 */
	function footer_inline_scripts(){

		// Check if we are in an AMP page
		if( function_exists( 'is_amp_endpoint' ) && is_amp_endpoint() ){
			return;
		}

		// Print the inline scripts if the BWP is active
		if( ! empty( $GLOBALS['tie_inline_scripts'] ) && TIELABS_HELPER::is_js_minified() ){
			echo '<script type="text/javascript">'. $GLOBALS['tie_inline_scripts'] .'</script>';
		}
	}


	/**
	 * Add Misc Footer Conetnt
	 */
	function footer_misc(){

		// Check if we are in an AMP page
		if( function_exists( 'is_amp_endpoint' ) && is_amp_endpoint() ){
			return;
		}

		// Custom Footer Code
		if ( tie_get_option( 'footer_code' ) ){
			echo do_shortcode( apply_filters( 'TieLabs/footer_code', tie_get_option( 'footer_code' ) ) );
		}

		// Reading Position Indicator
		if ( tie_get_option( 'reading_indicator' ) && is_single() && ! tie_get_option( 'autoload_posts' ) ){
			echo '<div id="reading-position-indicator"></div>';
		}

		// Live Search
		if(
			tie_menu_has_search( 'top_nav', true )  ||
			tie_menu_has_search( 'main_nav', true ) ||
		  ( tie_get_option( 'mobile_header_components_search') && tie_get_option( 'mobile_header_live_search') )
		){
			echo '<div id="autocomplete-suggestions" class="autocomplete-suggestions"></div>';
		}

		// Scrollbar - Used to get the default scrollbar width.
		echo '<div id="is-scroller-outer"><div id="is-scroller"></div></div>';

		// Facebook buttons
		echo '<div id="fb-root"></div>';
	}


	/**
	 * Add the Popup module to the footer
	 */
	function popup_module(){

		// Check if we are in an AMP page
		if( function_exists( 'is_amp_endpoint' ) && is_amp_endpoint() ){
			return;
		}

		TIELABS_HELPER::get_template_part( 'templates/popup' );
	}


	/**
	 * Add an extra class to the comment item if the avatar is active
	 */
	function is_avatar_enabled( $classes ){

		if( is_array( $classes ) && get_option( 'show_avatars' ) ){
			$classes[] = 'has-avatar';
		}

		return $classes;
	}


	/**
	 * Exclude post types and categories From Search results
	 */
	function search_filters( $query ){

		if( is_admin() || isset( $_GET['post_type'] ) ){
			return $query;
		}

		if( is_search() && $query->is_main_query() ){

			// Exclude Post types from search
			if ( ($exclude_post_types = tie_get_option( 'search_exclude_post_types' )) && is_array( $exclude_post_types ) ){

				$args = array(
					'public' => true,
					'exclude_from_search' => false,
				);

				$post_types = get_post_types( $args );

				foreach ( $exclude_post_types as $post_type ){
					unset( $post_types[ $post_type ] );
				}

				$query->set( 'post_type', $post_types );
			}

			// Exclude specific categoies from search
			if ( tie_get_option( 'search_cats' ) ){
				$query->set( 'cat', tie_get_option( 'search_cats' ) );
			}
		}

		return $query;
	}


	/**
	 * Change the posts order in the category page
	 */
	function category_posts_order( $query ){

		if( ! is_admin() && is_category() && $query->is_main_query() ){

			$current_category = get_queried_object();

			if( ! empty( $current_category->term_id ) ){

				$posts_order = tie_get_category_option( 'posts_order', $current_category->term_id );

				// Posts Order
				if( ! empty( $posts_order ) ){

					if( $posts_order == 'views' && tie_get_option( 'tie_post_views' ) ){ // Most Viewd posts
						$query->set( 'orderby', 'meta_value_num' );
						$query->set( 'meta_key', apply_filters( 'TieLabs/views_meta_field', 'tie_views' ) );
					}
					elseif( $posts_order == 'popular' ){ // Popular Posts by comments
						$query->set( 'orderby', 'comment_count' );
					}
					elseif( $posts_order == 'title' ){
						$query->set( 'orderby', 'title' );
						$query->set( 'order', 'ASC' );
					}
					else{
						$query->set( 'orderby', $posts_order );
					}
				}
			}
		}

		return $query;
	}


	/**
	 * Random Article
	 */
	function redirect_random_post(){

		if( wp_doing_ajax() ){
			return;
		}

		if( isset( $_GET['random-post'] ) && ( tie_get_option( 'top-nav-components_random' ) || tie_get_option( 'main-nav-components_random' ) ) ) {

			$args = array(
				'posts_per_page'      => 1,
				'orderby'             => 'rand',
				'fields'              => 'ids',
				'no_found_rows'       => true,
				'ignore_sticky_posts' => true,
			);

			$random_post = new WP_Query ( $args );

			while ( $random_post->have_posts () ){
				$random_post->the_post();
				wp_redirect( get_permalink() );
				exit;
			}
		}
	}


	/**
	 * Widgets Small Image Class
	 *
	 * By default WordPress uses 2 classes attachment-{size} size-{size}
	 * we need to add a general class doesn't linked with the thumb name
	 */
	function small_thumb_image_class( $attr, $attachment, $size = false ) {

		if( ! empty( $size ) && $size == TIELABS_THEME_SLUG.'-image-small' ){
			$attr['class'] .= ' tie-small-image';
		}

		return $attr;
	}


	/**
	 * Gif images
	 */
	function gif_image( $image, $attachment_id, $size, $icon ){

		if( ! tie_get_option( 'disable_featured_gif' ) ){

			$file_type = ! empty( $image[0] ) ? wp_check_filetype( $image[0] ) : false;

			if( ! empty( $file_type ) && $file_type['ext'] == 'gif' && $size != 'full' ){

				$full_image = wp_get_attachment_image_src( $attachment_id, $size = 'full', $icon );

				// For the avatars we need to keep the original width and height
				if( ! empty( $full_image ) && in_array( 'get_avatar', $GLOBALS['wp_current_filter'] ) ){
					$full_image[1] = $image[1];
					$full_image[2] = $image[2];
				}

				return $full_image;
			}
		}

		return $image;
	}


	/**
	 * Modify Excerpts
	 */
	function post_excerpt( $text = '' ){

		$raw_excerpt = $text;

		if ( '' == $text ){

			//$text = get_the_content( '' ); // Causes issues with the new Posts List Blocks

			$_post = get_post();
			$text = ! empty( $_post->post_content ) ? $_post->post_content : '';
			$text = apply_filters( 'TieLabs/exclude_content', $text );

			/**
			 * If images with class wp-image-{ID} exists in the conetnt, WordPress make a DB request to get andd add the srcset
			 * Since we are in excerpt we don't need that, Great affect on archives pages
			 */
			$text = str_replace( 'wp-image-', 'tie-image', $text );

			$text = strip_shortcodes( $text );
			$text = apply_filters( 'the_content', $text );
			$text = str_replace( ']]>', ']]>', $text );

			$excerpt_length = apply_filters( 'excerpt_length', 55 );
			$excerpt_more   = apply_filters( 'excerpt_more', ' ' . '[&hellip;]' );
			$text           = wp_trim_words( $text, $excerpt_length, $excerpt_more );
		}

		return apply_filters( 'wp_trim_excerpt', $text, $raw_excerpt );
	}


	/**
	 * Global Cache Key
	 */
	function cache_key( $key ){
		return 'tie-cache-'. TIELABS_HELPER::get_locale() . $key;
	}


	/**
	 * Change the number of tags in the cloud tags
	 */
	function tag_widget_limit( $args ){

		if( isset($args['taxonomy']) && $args['taxonomy'] == 'post_tag' ){
			$args['number'] = 18;
		}

		return $args;
	}


	/**
	 * Remove the default Tag CLoud titles if the title field is empty
	 */
	function tagcloud_widget_title( $title = false, $instance = false, $id_base = false ){

		if( $id_base == 'tag_cloud' && empty( $instance['title'] ) ){
			return false;
		}

		return $title;
	}


	/**
	 * Custom Dashboard login URL
	 */
	function dashboard_login_logo_url(){

		if( tie_get_option( 'dashboard_logo_url' ) ){
			return tie_get_option( 'dashboard_logo_url' );
		}
	}


	/**
	 * Custom Dashboard login page logo
	 */
	function dashboard_login_logo(){

		if( tie_get_option( 'dashboard_logo' ) ){
			echo '<style type="text/css"> .login h1 a {  background-image:url('.tie_get_option( 'dashboard_logo' ).')  !important; background-size: contain; width: 320px; height: 85px; } </style>';
		}
	}



	/**
	 * Remove anything that looks like an archive title prefix ("Archive:", "Foo:", "Bar:").
	 */
	function archive_title( $title ){

		if ( is_category() ) {
			return single_cat_title( '', false );
		}
		elseif ( is_tag() ) {
			return single_tag_title( '', false );
		}
		elseif ( is_author() ) {
			return '<span class="vcard">' . get_the_author() . '</span>';
		}
		elseif ( is_post_type_archive() ) {
			return post_type_archive_title( '', false );
		}
		elseif ( is_tax() ) {
			return single_term_title( '', false );
		}

		return $title;
	}


	/**
	 * Add Number and Next / prev multiple post pages
	 */
	function pages_next_and_number( $args ){

		if( $args['next_or_number'] == 'next_and_number' ){

			global $page, $numpages, $multipage, $more;
			$args['next_or_number'] = 'number';
			$prev = '';
			$next = '';

			if ( $multipage && $more ){
				$i = $page - 1;
				if ( $i && $more ){
					$prev .= _wp_link_page($i);
					$prev .= $args['link_before']. $args['previouspagelink'] . $args['link_after'] . '</a>';
				}

				$i = $page + 1;
				if ( $i <= $numpages && $more ){
					$next .= _wp_link_page($i);
					$next .= $args['link_before']. $args['nextpagelink'] . $args['link_after'] . '</a>';
				}
			}

			$args['before'] = $args['before'].$prev;
			$args['after'] = $next.$args['after'];
		}

		return $args;
	}


	/**
	 * Excerpt More
	 */
	function excerpt_more( $more ){
		return ' &hellip;';
	}


	/**
	 * Theme Generator Meta
	 */
	function meta_generator(){

		$active_theme = wp_get_theme();

		if ( is_child_theme() ) {
			$active_theme = wp_get_theme( $active_theme->Template );
		}

		if( ! empty( $active_theme->Name ) ){
			$theme_info = apply_filters( 'TieLabs/theme_meta_generator', $active_theme->Name .' '.  TIELABS_DB_VERSION );
			if( ! empty( $theme_info ) ){
				echo "\n" . "<meta name='generator' content='' />" . "\n";
			}
		}
	}


	/**
	 * If the post doesn't have a Primary Category, use the Primary Category of Yoast if it is available
	 */
	function yoast_seo_primary_category( $category = false ){

		if( class_exists( 'WPSEO_Meta' ) ){

			$wpseo_primary_term = get_post_meta( get_the_id(), WPSEO_Meta::$meta_prefix . 'primary_category', true );

			if( ! empty( $wpseo_primary_term ) ){
				$get_the_category = TIELABS_WP_HELPER::get_term_by( 'id', $wpseo_primary_term, 'category' );

				if ( ! empty( $get_the_category ) && ! is_wp_error( $get_the_category ) ) {
					return $get_the_category;
				}
			}
		}

		return false;
	}


	/**
	 * Always return true, If there is a default featured image
	 */
	function has_post_thumbnail( $has_thumbnail ) {

		if( tie_get_option( 'default_featured_image' ) && tie_get_option( 'default_featured_image_id' ) ){
			$has_thumbnail = true;
		}

		return $has_thumbnail;
	}


	/**
	 * Set a default featured image if it is missing
	 */
	function default_featured_image( $html, $post_id, $post_thumbnail_id, $size, $attr ) {

		// Return if the post has a featured image
		if( ! empty( $html ) ){
			return $html;
		}

		// Check if the default eatured image option is active
		if( ! tie_get_option( 'default_featured_image' ) || ! tie_get_option( 'default_featured_image_id' ) ){
			return $html;
		}

		$default_thumbnail_id = tie_get_option( 'default_featured_image_id' ); // select the default thumb.

		return wp_get_attachment_image( $default_thumbnail_id, $size, false, $attr );
	}


	/**
	 * Translate numbers
	 */
	function translate_numbers( $the_number ) {

		if( ! ( is_admin() && ! wp_doing_ajax() ) ) {

			$translated_numbers = tie_get_option( 'translation_numbers' );

			if( ! empty( $translated_numbers ) && is_array( $translated_numbers ) && count( $translated_numbers ) == 10 ){

				$original_numbers = array( '0', '1', '2', '3', '4', '5', '6', '7', '8', '9' );
				return str_replace( $original_numbers, $translated_numbers, $the_number );
			}
		}

		return $the_number;
	}

}

// Single instance.
$TIELABS_FILTERS = new TIELABS_FILTERS();/**
 * Taqyeem Class
 *
 */

defined( 'ABSPATH' ) || exit; // Exit if accessed directly



if( ! class_exists( 'TIELABS_TAQYEEM' ) ) {

	class TIELABS_TAQYEEM{

		/**
		 * __construct
		 *
		 * Class constructor where we will call our filter and action hooks.
		 */
		function __construct(){

			// Disable if the Taqyeem plugin is not active
			if( ! TIELABS_TAQYEEM_IS_ACTIVE ){
				return;
			}

			// Disable the Custom Styles and Typofraphy options
			add_filter( 'taqyeem_custom_styles', '__return_false' );

			// Disable Updater and Verification
			add_filter( 'Taqyeem/Updater/disable',      '__return_true' );
			add_filter( 'Taqyeem/Verification/disable', '__return_true' );

			// Disable the plugin Rich Snippets
			add_filter( 'tie_taqyeem_rich_snippets', '__return_false' );

			// Remove Shortcodes code and Keep the content
			add_filter( 'taqyeem_exclude_content', 'TIELABS_HELPER::strip_shortcodes' );

			// Dequeue Scripts and Styles
			add_filter( 'wp_enqueue_scripts', array( $this, 'enqueue_scripts' ), 50 );

			// Dequeue Scripts and Styles
			add_filter( 'admin_enqueue_scripts', array( $this, 'admin_enqueue_scripts' ), 50 );

			// Change the reviews head box class
			add_filter( 'taqyeem_reviews_head_classes', array( $this, 'review_head_class' ) );

			// Alter the Queries
			add_filter( 'TieLabs/Query/args', array( $this, 'best_reviews_query' ), 10, 2 );

			// Alter the Related Posts Query
			add_filter( 'TieLabs/related_posts_query', array( $this, 'related_posts_query' ) );

			// Alter the Check Also box Query
			add_filter( 'TieLabs/checkalso_query', array( $this, 'checkalso_query' ) );

			// Default Widgets Posts Thumb Size
			add_filter( 'tie_taqyeem_widget_thumb_size', array( $this, 'reviews_thumb_size' ) );

			// Allow the Rview Rich Snippet on Pages
			add_filter( 'TieLabs/is_page_rich_snippet', array( $this, 'rich_snippet_for_page' ) );

			// Change the Review Rich Snippet
			add_filter( 'TieLabs/rich_snippet_schema', array( $this, 'review_rich_snippet' ) );

			// Add Best Reviews to the post order option menu.
			add_filter( 'TieLabs/Options/Related/post_order_args',   array( $this, 'posts_order_args' ) );
			add_filter( 'TieLabs/Options/Checkalso/post_order_args', array( $this, 'posts_order_args' ) );
			add_filter( 'TieLabs/Builder/Block/post_order_args',     array( $this, 'posts_order_args' ) );
			add_filter( 'TieLabs/Settings/Category/posts_order',     array( $this, 'posts_order_args' ) );
			add_filter( 'TieLabs/Widget/Slider/post_order_args',     array( $this, 'posts_order_args' ) );
			add_filter( 'TieLabs/Widget/Posts/post_order_args',      array( $this, 'posts_order_args_2' ) );

			// Prevent Taqyeem from displaying the review box in the content block in the builder
			add_action( 'TieLabs/Builder/before', array( $this, 'remove_review_block' ) );

			// Replace the old icon classes with the new classes of Font Awesome 5.0
			add_filter( 'taqyeem_buttons_icon',  array( $this, 'replace_icon_fa5' ) );
		}


		/**
		 * Allow the Rview Rich Snippet on Pages
		 */
		function rich_snippet_for_page(){

			if( tie_get_postdata( 'taq_review_position' ) ){
				return true;
			}
		}


		/**
		 * Change the Review Rich Snippet
		 */
		function review_rich_snippet( $schema ){

			// Check if the Taqyeem Structured Data is active, current post has review and the Taqyeem version is >= 2.3.0
			if( ! taqyeem_get_option( 'structured_data' ) || ! tie_get_postdata( 'taq_review_position' ) || ! function_exists( 'taqyeem_review_get_rich_snippet' ) ){
				return $schema;
			}

			// Unset some data
			unset( $schema['articleBody'] );
			unset( $schema['articleSection'] );

			// Get the Review structure data
			$review_rich_snippet = taqyeem_review_get_rich_snippet();

			if( $review_rich_snippet['@type'] == 'product' ){
				$schema = $review_rich_snippet;
			}
			else{
				// Add the data to the post structure data
				$schema['@type']        = 'review';
				$schema['itemReviewed'] = $review_rich_snippet['itemReviewed'];
				$schema['reviewBody']   = $review_rich_snippet['reviewBody'];
				$schema['reviewRating'] = $review_rich_snippet['reviewRating'];
			}

			// return the modefied data
			return $schema;
		}


		/**
		 * Change the reviews head box class
		 */
		function review_head_class( $class ){
			return tie_get_box_class( $class );
		}


		/**
		 * Alter the query for the best reviews
		 */
		function best_reviews_query( $args, $block ){

			if( ! empty( $block['order'] ) && $block['order'] == 'best' ){
				$args['orderby']  = 'meta_value_num';
				$args['meta_key'] = 'taq_review_score';
			}

			return $args;
		}


		/**
		 * Alter the Related Posts Query
		 */
		function related_posts_query( $args ){

			if( tie_get_option( 'related_order' ) == 'best' ){
				$args['orderby']  = 'meta_value_num';
				$args['meta_key'] = 'taq_review_score';
			}

			return $args;
		}


		/**
		 * Alter the Check Also Query
		 */
		function checkalso_query( $args ){

			if( tie_get_option( 'check_also_order' ) == 'best' ){
				$args['orderby']  = 'meta_value_num';
				$args['meta_key'] = 'taq_review_score';
			}

			return $args;
		}


		/**
		 * Add Best Reviews to the post order option menu.
		 */
		function posts_order_args( $args ){

			$args['best'] = esc_html__( 'Best Reviews', TIELABS_TEXTDOMAIN );

			return $args;
		}


		/**
		 * Add Best Reviews to the post order option menu.
		 */
		function posts_order_args_2( $args ){

			$args['standard']['best'] = esc_html__( 'Best Reviews', TIELABS_TEXTDOMAIN );

			return $args;
		}


		/**
		 * Default Widgets Posts Thumb Size
		 */
		function reviews_thumb_size(){
			return TIELABS_THEME_SLUG.'-image-small';
		}


		/**
		 * Prevent Taqyeem from displaying the review box in the content block in the builder
		 */
		function remove_review_block(){
			remove_filter( 'the_content', 'taqyeem_insert_review' );
		}


		/**
		 * Dequeue Scripts and Styles
		 */
		function enqueue_scripts(){

			wp_dequeue_script( 'taqyeem-main' );
			wp_dequeue_style( 'taqyeem-style' );

			wp_enqueue_style( 'taqyeem-styles', TIELABS_TEMPLATE_URL.'/assets/css/plugins/taqyeem'. TIELABS_STYLES::is_minified() .'.css', array(), TIELABS_DB_VERSION, 'all' );

			if( ! is_admin() ){
				wp_dequeue_style( 'taqyeem-fontawesome' );
			}
		}


		/**
		 * Dequeue Scripts and Styles from admin
		 */
		function admin_enqueue_scripts(){

			// Don't Load the main Font Awesome file of the theme in the add/edit posts screens, avoid issue with Taqyeem Button which uses v4.0
			if( function_exists( 'tie_taqyeem_button_output' ) && get_post_type() ){

				wp_dequeue_style( 'tie-fontawesome' );
			}
		}


		/**
		 * Replace the old icon classes with the new classes of Font Awesome 5.0
		 */
		function replace_icon_fa5( $icon ){
			return tie_fa4_to_fa5_value_migration( $icon );
		}


	}


	// Instantiate the class
	new TIELABS_TAQYEEM();
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		<h1 class="post-title entry-title">Cheap Life Insurance Companies for 2022</h1>

		<div id="single-post-meta" class="post-meta clearfix"><span class="date meta-item tie-icon">January 4, 2022</span><div class="tie-alignright"><span class="meta-comment tie-icon meta-item fa-before">0</span><span class="meta-views meta-item "><span class="tie-icon-fire" aria-hidden="true"></span> 1 </span><span class="meta-reading-time meta-item"><span class="tie-icon-bookmark" aria-hidden="true"></span> 4 minutes read</span> </div></div><!-- .post-meta -->	</div><!-- .entry-header /-->

	
	
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<div class="FTDQoV">
<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">Low cost life insurance coverage is not out of attain, particularly in the event you&#8217;re wholesome. Examine charges from a spread of carriers, and apply as quickly as you establish a necessity for protection — resembling while you tackle a brand new monetary obligation, like getting a mortgage or having a baby.</span></p>
</div>
<div class="FTDQoV">
<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">To get began, right here’s a breakdown of among the least expensive life insurance coverage firms by age, gender, fee class and coverage sort.</span></p>
</div>
<div class="FTDQoV">
<p class="_2GMChG _3-to_p"><span class="_3Rmqs8 _2GMChG _3-to_p"><span class="_3Rmqs8 _2GMChG _3-to_p">Methodology: </span></span><span class="_2GMChG _3-to_p">These charges are based mostly on evaluation by Quotacy, an internet life insurance coverage brokerage and BaghdadTime companion that works with greater than 25 time period life insurance coverage firms. Quotacy analyzed knowledge from the ten time period life insurance coverage carriers that it considers best for low costs. For remaining expense insurance policies, Quotacy thought-about two further firms. Quotacy’s evaluation doesn&#8217;t embrace insurers that primarily promote on to customers or via brokers devoted to a single firm.</span></p>
</div>
<div class="FTDQoV">
<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">Though these charges will not be consultant of the complete life insurance coverage market, they can provide you an concept of what to anticipate as you </span><span class="_2GMChG _3-to_p">examine life insurance coverage quotes</span><span class="_2GMChG _3-to_p">. Many components have an effect on life insurance coverage costs, and your charges are more likely to be totally different from the pattern charges proven beneath.</span></p>
</div>
<p><h2 class="_2HGwPY _7LUqYM _2GMChG _1VhA5C" data-currency="Text"><span class="_2HGwPY _7LUqYM _2GMChG _3-to_p">Most cost-effective time period life insurance coverage firms for 2022</span></h2>
</p>
<div class="FTDQoV">
<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">Time period life insurance coverage is the most cost effective sort of life insurance coverage coverage; the </span><span class="_2GMChG _3-to_p">price of entire life insurance coverage</span><span class="_2GMChG _3-to_p"> may be considerably increased. With that in thoughts, listed below are among the least expensive firms for a 20-year, $500,000 time period life insurance coverage coverage overlaying tremendous most popular candidates. “Tremendous most popular&#8221; is a time period insurers use to explain candidates who pose the least danger — usually non-smokers in wonderful well being who meet sure further standards.</span></p>
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<p class="_2GMChG _3-to_p"><span class="_24lkfo _2GMChG _3-to_p"><span class="_3Rmqs8 _2GMChG _3-to_p"><span class="_3Rmqs8 _2GMChG _3-to_p">Supply:</span></span><span class="_2GMChG _3-to_p"> Quotacy. Charges generated on 10/15/2021.</span></span></p>
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<td class="_1ipZd2 _1XLQp5"/>
<td class="_1ipZd2 _1XLQp5"/></tr>
<tr class="_9psIBS">
<td class="_1ipZd2"/>
<td class="_1ipZd2"/>
<td class="_1ipZd2"/>
<td class="_1ipZd2"/>
<td class="_1ipZd2"/>
<td class="_1ipZd2"/>
<td class="_1ipZd2"/></tr>
<tr class="_9psIBS _1XLQp5">
<td class="_1ipZd2 _1XLQp5"/>
<td class="_1ipZd2 _1XLQp5"/>
<td class="_1ipZd2 _1XLQp5"/>
<td class="_1ipZd2 _1XLQp5"/>
<td class="_1ipZd2 _1XLQp5"/>
<td class="_1ipZd2 _1XLQp5"/>
<td class="_1ipZd2 _1XLQp5"/></tr>
<tr class="_9psIBS">
<td class="_1ipZd2"/>
<td class="_1ipZd2"/>
<td class="_1ipZd2"/>
<td class="_1ipZd2"/>
<td class="_1ipZd2"/>
<td class="_1ipZd2"/>
<td class="_1ipZd2"/></tr>
<tr class="_9psIBS _1XLQp5">
<td class="_1ipZd2 _1XLQp5" colspan="7">
<div class="OE0NEO fyWLSM _2gpzlo">
<div class="OE0NEO fyWLSM">
<p class="_2GMChG _3-to_p"><span class="_24lkfo _2GMChG _3-to_p"><span class="_3Rmqs8 _2GMChG _3-to_p"><span class="_3Rmqs8 _2GMChG _3-to_p">Supply:</span></span><span class="_2GMChG _3-to_p"> Quotacy. Charges generated on 10/15/2021.</span></span></p>
</div>
</div>
</td>
</tr>
</tbody>
</table>
</div>
</div>
</div>
</div>
</div>
</div>
<p><h3 class="_23_GlS _1jyA_Q _2McN3Z _2GMChG _1VhA5C" data-currency="Text"><span class="_23_GlS _1jyA_Q _3Rmqs8 _2GMChG _3-to_p"><span class="_23_GlS _1jyA_Q _3Rmqs8 _2GMChG _3-to_p">Most cost-effective life insurance coverage firms for most popular candidates</span></span></h3>
</p>
<div class="FTDQoV">
<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">Listed below are some of the most cost effective month-to-month charges for a 20-year, $500,000 time period life insurance coverage coverage overlaying a most popular applicant. The time period “most popular” refers to a non-smoking applicant in good well being who poses minimal danger to the insurer.</span></p>
</div>
<div class="FTDQoV">
<div>
<div>
<div>
<div class="_6DpZVa">
<div class="Xf86xh">
<table class="_2S4ADF _1Kjn6m" tabindex="0">
<thead>
<tr class="_1XLQp5">
<th class="_1mBbOm" scope="col" colspan="7">
<div class="_1GNWAN">
<div class="OE0NEO fyWLSM _2gpzlo">
<div class="OE0NEO fyWLSM">
<p class="_2GMChG _3-to_p"><span class="_3Rmqs8 _2GMChG _3-to_p"><span class="_3Rmqs8 _2GMChG _3-to_p">Most cost-effective month-to-month charges for a most popular male</span></span></p>
</div>
</div>
</div>
</th>
</tr>
</thead>
<tbody>
<tr class="_9psIBS">
<td class="_1ipZd2"/>
<td class="_1ipZd2"/>
<td class="_1ipZd2"/>
<td class="_1ipZd2"/>
<td class="_1ipZd2"/>
<td class="_1ipZd2"/>
<td class="_1ipZd2"/></tr>
<tr class="_9psIBS _1XLQp5">
<td class="_1ipZd2 _1XLQp5"/>
<td class="_1ipZd2 _1XLQp5"/>
<td class="_1ipZd2 _1XLQp5"/>
<td class="_1ipZd2 _1XLQp5"/>
<td class="_1ipZd2 _1XLQp5"/>
<td class="_1ipZd2 _1XLQp5"/>
<td class="_1ipZd2 _1XLQp5"/></tr>
<tr class="_9psIBS">
<td class="_1ipZd2"/>
<td class="_1ipZd2"/>
<td class="_1ipZd2"/>
<td class="_1ipZd2"/>
<td class="_1ipZd2"/>
<td class="_1ipZd2"/>
<td class="_1ipZd2"/></tr>
<tr class="_9psIBS _1XLQp5">
<td class="_1ipZd2 _1XLQp5"/>
<td class="_1ipZd2 _1XLQp5"/>
<td class="_1ipZd2 _1XLQp5"/>
<td class="_1ipZd2 _1XLQp5"/>
<td class="_1ipZd2 _1XLQp5"/>
<td class="_1ipZd2 _1XLQp5"/>
<td class="_1ipZd2 _1XLQp5"/></tr>
<tr class="_9psIBS">
<td class="_1ipZd2"/>
<td class="_1ipZd2"/>
<td class="_1ipZd2"/>
<td class="_1ipZd2"/>
<td class="_1ipZd2"/>
<td class="_1ipZd2"/>
<td class="_1ipZd2"/></tr>
<tr class="_9psIBS _1XLQp5">
<td class="_1ipZd2 _1XLQp5"/>
<td class="_1ipZd2 _1XLQp5"/>
<td class="_1ipZd2 _1XLQp5"/>
<td class="_1ipZd2 _1XLQp5"/>
<td class="_1ipZd2 _1XLQp5"/>
<td class="_1ipZd2 _1XLQp5"/>
<td class="_1ipZd2 _1XLQp5"/></tr>
<tr class="_9psIBS">
<td class="_1ipZd2"/>
<td class="_1ipZd2"/>
<td class="_1ipZd2"/>
<td class="_1ipZd2"/>
<td class="_1ipZd2"/>
<td class="_1ipZd2"/>
<td class="_1ipZd2"/></tr>
<tr class="_9psIBS _1XLQp5">
<td class="_1ipZd2 _1XLQp5"/>
<td class="_1ipZd2 _1XLQp5"/>
<td class="_1ipZd2 _1XLQp5"/>
<td class="_1ipZd2 _1XLQp5"/>
<td class="_1ipZd2 _1XLQp5"/>
<td class="_1ipZd2 _1XLQp5"/>
<td class="_1ipZd2 _1XLQp5"/></tr>
<tr class="_9psIBS">
<td class="_1ipZd2"/>
<td class="_1ipZd2"/>
<td class="_1ipZd2"/>
<td class="_1ipZd2"/>
<td class="_1ipZd2"/>
<td class="_1ipZd2"/>
<td class="_1ipZd2"/></tr>
<tr class="_9psIBS _1XLQp5">
<td class="_1ipZd2 _1XLQp5"/>
<td class="_1ipZd2 _1XLQp5"/>
<td class="_1ipZd2 _1XLQp5"/>
<td class="_1ipZd2 _1XLQp5"/>
<td class="_1ipZd2 _1XLQp5"/>
<td class="_1ipZd2 _1XLQp5"/>
<td class="_1ipZd2 _1XLQp5"/></tr>
<tr class="_9psIBS">
<td class="_1ipZd2"/>
<td class="_1ipZd2"/>
<td class="_1ipZd2"/>
<td class="_1ipZd2"/>
<td class="_1ipZd2"/>
<td class="_1ipZd2"/>
<td class="_1ipZd2"/></tr>
<tr class="_9psIBS _1XLQp5">
<td class="_1ipZd2 _1XLQp5" colspan="7">
<div class="OE0NEO fyWLSM _2gpzlo">
<div class="OE0NEO fyWLSM">
<p class="_2GMChG _3-to_p"><span class="_24lkfo _2GMChG _3-to_p"><span class="_3Rmqs8 _2GMChG _3-to_p"><span class="_3Rmqs8 _2GMChG _3-to_p">Supply:</span></span><span class="_2GMChG _3-to_p"> Quotacy. Charges generated on 10/15/2021.</span></span></p>
</div>
</div>
</td>
</tr>
</tbody>
</table>
</div>
</div>
</div>
</div>
</div>
</div>
<div class="FTDQoV">
<div>
<div>
<div>
<div class="_6DpZVa">
<div class="Xf86xh">
<table class="_2S4ADF _1Kjn6m" tabindex="0">
<thead>
<tr class="_1XLQp5">
<th class="_1mBbOm" scope="col" colspan="7">
<div class="_1GNWAN">
<div class="OE0NEO fyWLSM _2gpzlo">
<div class="OE0NEO fyWLSM">
<p class="_2GMChG _3-to_p"><span class="_3Rmqs8 _2GMChG _3-to_p"><span class="_3Rmqs8 _2GMChG _3-to_p">Most cost-effective month-to-month charges for a most popular feminine</span></span></p>
</div>
</div>
</div>
</th>
</tr>
</thead>
<tbody>
<tr class="_9psIBS">
<td class="_1ipZd2"/>
<td class="_1ipZd2"/>
<td class="_1ipZd2"/>
<td class="_1ipZd2"/>
<td class="_1ipZd2"/>
<td class="_1ipZd2"/>
<td class="_1ipZd2"/></tr>
<tr class="_9psIBS _1XLQp5">
<td class="_1ipZd2 _1XLQp5"/>
<td class="_1ipZd2 _1XLQp5"/>
<td class="_1ipZd2 _1XLQp5"/>
<td class="_1ipZd2 _1XLQp5"/>
<td class="_1ipZd2 _1XLQp5"/>
<td class="_1ipZd2 _1XLQp5"/>
<td class="_1ipZd2 _1XLQp5"/></tr>
<tr class="_9psIBS">
<td class="_1ipZd2"/>
<td class="_1ipZd2"/>
<td class="_1ipZd2"/>
<td class="_1ipZd2"/>
<td class="_1ipZd2"/>
<td class="_1ipZd2"/>
<td class="_1ipZd2"/></tr>
<tr class="_9psIBS _1XLQp5">
<td class="_1ipZd2 _1XLQp5"/>
<td class="_1ipZd2 _1XLQp5"/>
<td class="_1ipZd2 _1XLQp5"/>
<td class="_1ipZd2 _1XLQp5"/>
<td class="_1ipZd2 _1XLQp5"/>
<td class="_1ipZd2 _1XLQp5"/>
<td class="_1ipZd2 _1XLQp5"/></tr>
<tr class="_9psIBS">
<td class="_1ipZd2"/>
<td class="_1ipZd2"/>
<td class="_1ipZd2"/>
<td class="_1ipZd2"/>
<td class="_1ipZd2"/>
<td class="_1ipZd2"/>
<td class="_1ipZd2"/></tr>
<tr class="_9psIBS _1XLQp5">
<td class="_1ipZd2 _1XLQp5"/>
<td class="_1ipZd2 _1XLQp5"/>
<td class="_1ipZd2 _1XLQp5"/>
<td class="_1ipZd2 _1XLQp5"/>
<td class="_1ipZd2 _1XLQp5"/>
<td class="_1ipZd2 _1XLQp5"/>
<td class="_1ipZd2 _1XLQp5"/></tr>
<tr class="_9psIBS">
<td class="_1ipZd2"/>
<td class="_1ipZd2"/>
<td class="_1ipZd2"/>
<td class="_1ipZd2"/>
<td class="_1ipZd2"/>
<td class="_1ipZd2"/>
<td class="_1ipZd2"/></tr>
<tr class="_9psIBS _1XLQp5">
<td class="_1ipZd2 _1XLQp5"/>
<td class="_1ipZd2 _1XLQp5"/>
<td class="_1ipZd2 _1XLQp5"/>
<td class="_1ipZd2 _1XLQp5"/>
<td class="_1ipZd2 _1XLQp5"/>
<td class="_1ipZd2 _1XLQp5"/>
<td class="_1ipZd2 _1XLQp5"/></tr>
<tr class="_9psIBS">
<td class="_1ipZd2"/>
<td class="_1ipZd2"/>
<td class="_1ipZd2"/>
<td class="_1ipZd2"/>
<td class="_1ipZd2"/>
<td class="_1ipZd2"/>
<td class="_1ipZd2"/></tr>
<tr class="_9psIBS _1XLQp5">
<td class="_1ipZd2 _1XLQp5"/>
<td class="_1ipZd2 _1XLQp5"/>
<td class="_1ipZd2 _1XLQp5"/>
<td class="_1ipZd2 _1XLQp5"/>
<td class="_1ipZd2 _1XLQp5"/>
<td class="_1ipZd2 _1XLQp5"/>
<td class="_1ipZd2 _1XLQp5"/></tr>
<tr class="_9psIBS">
<td class="_1ipZd2"/>
<td class="_1ipZd2"/>
<td class="_1ipZd2"/>
<td class="_1ipZd2"/>
<td class="_1ipZd2"/>
<td class="_1ipZd2"/>
<td class="_1ipZd2"/></tr>
<tr class="_9psIBS _1XLQp5">
<td class="_1ipZd2 _1XLQp5" colspan="7">
<div class="OE0NEO fyWLSM _2gpzlo">
<div class="OE0NEO fyWLSM">
<p class="_2GMChG _3-to_p"><span class="_24lkfo _2GMChG _3-to_p"><span class="_3Rmqs8 _2GMChG _3-to_p"><span class="_3Rmqs8 _2GMChG _3-to_p">Supply:</span></span><span class="_2GMChG _3-to_p"> Quotacy. Charges generated on 10/15/2021.</span></span></p>
</div>
</div>
</td>
</tr>
</tbody>
</table>
</div>
</div>
</div>
</div>
</div>
</div>
<p><h2 class="_2HGwPY _7LUqYM _2GMChG _1VhA5C" data-currency="Text"><span class="_2HGwPY _7LUqYM _3Rmqs8 _2GMChG _3-to_p"><span class="_2HGwPY _7LUqYM _3Rmqs8 _2GMChG _3-to_p">Most cost-effective life insurance coverage firms for people who smoke for 2022</span></span></h2>
</p>
<div class="FTDQoV">
<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">People who smoke pay extra for all times insurance coverage due to the well being dangers related to tobacco use. For a smoker in in any other case good well being, these are among the many least expensive month-to-month charges for a 20-year, $500,000 time period life insurance coverage coverage. &#8220;Most well-liked smoker&#8221; is a time period for candidates who — smoking apart — match the factors of the &#8220;most popular&#8221; class.</span></p>
</div>
<div class="FTDQoV">
<div>
<div>
<div>
<div class="_6DpZVa">
<div class="Xf86xh">
<table class="_2S4ADF _1Kjn6m" tabindex="0">
<thead>
<tr class="_1XLQp5">
<th class="_1mBbOm" scope="col" colspan="6">
<div class="_1GNWAN">
<div class="OE0NEO fyWLSM _2gpzlo">
<div class="OE0NEO fyWLSM">
<p class="_2GMChG _3-to_p"><span class="_3Rmqs8 _2GMChG _3-to_p"><span class="_3Rmqs8 _2GMChG _3-to_p">Most cost-effective month-to-month charges for a most popular male smoker</span></span></p>
</div>
</div>
</div>
</th>
</tr>
</thead>
<tbody>
<tr class="_9psIBS">
<td class="_1ipZd2"/>
<td class="_1ipZd2"/>
<td class="_1ipZd2"/>
<td class="_1ipZd2"/>
<td class="_1ipZd2"/>
<td class="_1ipZd2"/></tr>
<tr class="_9psIBS _1XLQp5">
<td class="_1ipZd2 _1XLQp5"/>
<td class="_1ipZd2 _1XLQp5"/>
<td class="_1ipZd2 _1XLQp5"/>
<td class="_1ipZd2 _1XLQp5"/>
<td class="_1ipZd2 _1XLQp5"/>
<td class="_1ipZd2 _1XLQp5"/></tr>
<tr class="_9psIBS">
<td class="_1ipZd2"/>
<td class="_1ipZd2"/>
<td class="_1ipZd2"/>
<td class="_1ipZd2"/>
<td class="_1ipZd2"/>
<td class="_1ipZd2"/></tr>
<tr class="_9psIBS _1XLQp5">
<td class="_1ipZd2 _1XLQp5"/>
<td class="_1ipZd2 _1XLQp5"/>
<td class="_1ipZd2 _1XLQp5"/>
<td class="_1ipZd2 _1XLQp5"/>
<td class="_1ipZd2 _1XLQp5"/>
<td class="_1ipZd2 _1XLQp5"/></tr>
<tr class="_9psIBS">
<td class="_1ipZd2"/>
<td class="_1ipZd2"/>
<td class="_1ipZd2"/>
<td class="_1ipZd2"/>
<td class="_1ipZd2"/>
<td class="_1ipZd2"/></tr>
<tr class="_9psIBS _1XLQp5">
<td class="_1ipZd2 _1XLQp5"/>
<td class="_1ipZd2 _1XLQp5"/>
<td class="_1ipZd2 _1XLQp5"/>
<td class="_1ipZd2 _1XLQp5"/>
<td class="_1ipZd2 _1XLQp5"/>
<td class="_1ipZd2 _1XLQp5"/></tr>
<tr class="_9psIBS">
<td class="_1ipZd2"/>
<td class="_1ipZd2"/>
<td class="_1ipZd2"/>
<td class="_1ipZd2"/>
<td class="_1ipZd2"/>
<td class="_1ipZd2"/></tr>
<tr class="_9psIBS _1XLQp5">
<td class="_1ipZd2 _1XLQp5"/>
<td class="_1ipZd2 _1XLQp5"/>
<td class="_1ipZd2 _1XLQp5"/>
<td class="_1ipZd2 _1XLQp5"/>
<td class="_1ipZd2 _1XLQp5"/>
<td class="_1ipZd2 _1XLQp5"/></tr>
<tr class="_9psIBS">
<td class="_1ipZd2"/>
<td class="_1ipZd2"/>
<td class="_1ipZd2"/>
<td class="_1ipZd2"/>
<td class="_1ipZd2"/>
<td class="_1ipZd2"/></tr>
<tr class="_9psIBS _1XLQp5">
<td class="_1ipZd2 _1XLQp5"/>
<td class="_1ipZd2 _1XLQp5"/>
<td class="_1ipZd2 _1XLQp5"/>
<td class="_1ipZd2 _1XLQp5"/>
<td class="_1ipZd2 _1XLQp5"/>
<td class="_1ipZd2 _1XLQp5"/></tr>
<tr class="_9psIBS">
<td class="_1ipZd2" colspan="6">
<div class="OE0NEO fyWLSM _2gpzlo">
<div class="OE0NEO fyWLSM">
<p class="_2GMChG _3-to_p"><span class="_24lkfo _2GMChG _3-to_p"><span class="_3Rmqs8 _2GMChG _3-to_p"><span class="_3Rmqs8 _2GMChG _3-to_p">Supply: </span></span><span class="_2GMChG _3-to_p">Quotacy. Charges generated on 10/15/2021.</span></span></p>
</div>
</div>
</td>
</tr>
</tbody>
</table>
</div>
</div>
</div>
</div>
</div>
</div>
<div class="FTDQoV">
<div>
<div>
<div>
<div class="_6DpZVa">
<div class="Xf86xh">
<table class="_2S4ADF _1Kjn6m" tabindex="0">
<thead>
<tr class="_1XLQp5">
<th class="_1mBbOm" scope="col" colspan="6">
<div class="_1GNWAN">
<div class="OE0NEO fyWLSM _2gpzlo">
<div class="OE0NEO fyWLSM">
<p class="_2GMChG _3-to_p"><span class="_3Rmqs8 _2GMChG _3-to_p"><span class="_3Rmqs8 _2GMChG _3-to_p">Most cost-effective month-to-month charges for a most popular feminine smoker</span></span></p>
</div>
</div>
</div>
</th>
</tr>
</thead>
<tbody>
<tr class="_9psIBS">
<td class="_1ipZd2"/>
<td class="_1ipZd2"/>
<td class="_1ipZd2"/>
<td class="_1ipZd2"/>
<td class="_1ipZd2"/>
<td class="_1ipZd2"/></tr>
<tr class="_9psIBS _1XLQp5">
<td class="_1ipZd2 _1XLQp5"/>
<td class="_1ipZd2 _1XLQp5"/>
<td class="_1ipZd2 _1XLQp5"/>
<td class="_1ipZd2 _1XLQp5"/>
<td class="_1ipZd2 _1XLQp5"/>
<td class="_1ipZd2 _1XLQp5"/></tr>
<tr class="_9psIBS">
<td class="_1ipZd2"/>
<td class="_1ipZd2"/>
<td class="_1ipZd2"/>
<td class="_1ipZd2"/>
<td class="_1ipZd2"/>
<td class="_1ipZd2"/></tr>
<tr class="_9psIBS _1XLQp5">
<td class="_1ipZd2 _1XLQp5"/>
<td class="_1ipZd2 _1XLQp5"/>
<td class="_1ipZd2 _1XLQp5"/>
<td class="_1ipZd2 _1XLQp5"/>
<td class="_1ipZd2 _1XLQp5"/>
<td class="_1ipZd2 _1XLQp5"/></tr>
<tr class="_9psIBS">
<td class="_1ipZd2"/>
<td class="_1ipZd2"/>
<td class="_1ipZd2"/>
<td class="_1ipZd2"/>
<td class="_1ipZd2"/>
<td class="_1ipZd2"/></tr>
<tr class="_9psIBS _1XLQp5">
<td class="_1ipZd2 _1XLQp5"/>
<td class="_1ipZd2 _1XLQp5"/>
<td class="_1ipZd2 _1XLQp5"/>
<td class="_1ipZd2 _1XLQp5"/>
<td class="_1ipZd2 _1XLQp5"/>
<td class="_1ipZd2 _1XLQp5"/></tr>
<tr class="_9psIBS">
<td class="_1ipZd2"/>
<td class="_1ipZd2"/>
<td class="_1ipZd2"/>
<td class="_1ipZd2"/>
<td class="_1ipZd2"/>
<td class="_1ipZd2"/></tr>
<tr class="_9psIBS _1XLQp5">
<td class="_1ipZd2 _1XLQp5"/>
<td class="_1ipZd2 _1XLQp5"/>
<td class="_1ipZd2 _1XLQp5"/>
<td class="_1ipZd2 _1XLQp5"/>
<td class="_1ipZd2 _1XLQp5"/>
<td class="_1ipZd2 _1XLQp5"/></tr>
<tr class="_9psIBS">
<td class="_1ipZd2"/>
<td class="_1ipZd2"/>
<td class="_1ipZd2"/>
<td class="_1ipZd2"/>
<td class="_1ipZd2"/>
<td class="_1ipZd2"/></tr>
<tr class="_9psIBS _1XLQp5">
<td class="_1ipZd2 _1XLQp5"/>
<td class="_1ipZd2 _1XLQp5"/>
<td class="_1ipZd2 _1XLQp5"/>
<td class="_1ipZd2 _1XLQp5"/>
<td class="_1ipZd2 _1XLQp5"/>
<td class="_1ipZd2 _1XLQp5"/></tr>
<tr class="_9psIBS">
<td class="_1ipZd2" colspan="6">
<div class="OE0NEO fyWLSM _2gpzlo">
<div class="OE0NEO fyWLSM">
<p class="_2GMChG _3-to_p"><span class="_24lkfo _2GMChG _3-to_p"><span class="_3Rmqs8 _2GMChG _3-to_p"><span class="_3Rmqs8 _2GMChG _3-to_p">Supply:</span></span><span class="_2GMChG _3-to_p"> Quotacy. Charges generated on 10/15/2021.</span></span></p>
</div>
</div>
</td>
</tr>
</tbody>
</table>
</div>
</div>
</div>
</div>
</div>
</div>
<p><h3 class="_23_GlS _1jyA_Q _2McN3Z _2GMChG _1VhA5C" data-currency="Text"><span class="_23_GlS _1jyA_Q _3Rmqs8 _2GMChG _3-to_p"><span class="_23_GlS _1jyA_Q _3Rmqs8 _2GMChG _3-to_p">Most cost-effective life insurance coverage firms for people who smoke in truthful well being</span></span></h3>
</p>
<div class="FTDQoV">
<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">These are a number of of the most cost effective insurers for candidates who fall into the “commonplace smoker” class. Customary people who smoke are folks in average well being who smoke and should pose different dangers to the insurer. The month-to-month charges beneath are for a 20-year, $500,000 time period life insurance coverage coverage.</span></p>
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<p class="_2GMChG _3-to_p"><span class="_3Rmqs8 _2GMChG _3-to_p"><span class="_3Rmqs8 _2GMChG _3-to_p">Most cost-effective month-to-month charges for the standard male smoker</span></span></p>
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<div class="OE0NEO fyWLSM">
<p class="_2GMChG _3-to_p"><span class="_24lkfo _2GMChG _3-to_p"><span class="_3Rmqs8 _2GMChG _3-to_p"><span class="_3Rmqs8 _2GMChG _3-to_p">Supply:</span></span><span class="_2GMChG _3-to_p"> Quotacy. Charges generated on 10/15/2021.</span></span></p>
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<div class="OE0NEO fyWLSM _2gpzlo">
<div class="OE0NEO fyWLSM">
<p class="_2GMChG _3-to_p"><span class="_3Rmqs8 _2GMChG _3-to_p"><span class="_3Rmqs8 _2GMChG _3-to_p">Most cost-effective month-to-month charges for the standard feminine smoker</span></span></p>
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<div class="OE0NEO fyWLSM">
<p class="_2GMChG _3-to_p"><span class="_24lkfo _2GMChG _3-to_p"><span class="_3Rmqs8 _2GMChG _3-to_p"><span class="_3Rmqs8 _2GMChG _3-to_p">Supply:</span></span><span class="_2GMChG _3-to_p"> Quotacy. Charges generated on 10/15/2021.</span></span></p>
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<p><h2 class="_2HGwPY _7LUqYM _2GMChG _1VhA5C" data-currency="Text"><span class="_2HGwPY _7LUqYM _3Rmqs8 _2GMChG _3-to_p"><span class="_2HGwPY _7LUqYM _3Rmqs8 _2GMChG _3-to_p">Most cost-effective remaining expense firms for 2022</span></span></h2>
</p>
<div class="FTDQoV">
<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">If you happen to’re available in the market for </span><span class="_2GMChG _3-to_p">no medical examination life insurance coverage</span><span class="_2GMChG _3-to_p">, these firms have among the least expensive month-to-month charges for a $10,000 remaining expense coverage. Also called </span><span class="_2GMChG _3-to_p">burial insurance coverage</span><span class="_2GMChG _3-to_p">, remaining expense insurance policies skip each the well being questionnaire and medical examination and are sometimes capped at low quantities of protection.</span></p>
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<div class="OE0NEO fyWLSM _2gpzlo">
<div class="OE0NEO fyWLSM">
<p class="_2GMChG _3-to_p"><span class="_3Rmqs8 _2GMChG _3-to_p"><span class="_3Rmqs8 _2GMChG _3-to_p">Most cost-effective remaining expense firms for a male</span></span></p>
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<div class="OE0NEO fyWLSM _2gpzlo">
<div class="OE0NEO fyWLSM">
<p class="_2GMChG _3-to_p"><span class="_24lkfo _2GMChG _3-to_p"><span class="_3Rmqs8 _2GMChG _3-to_p"><span class="_3Rmqs8 _2GMChG _3-to_p">Supply:</span></span><span class="_2GMChG _3-to_p"> Quotacy. Charges generated on 10/15/2021.</span></span></p>
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<div class="OE0NEO fyWLSM _2gpzlo">
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<p class="_2GMChG _3-to_p"><span class="_3Rmqs8 _2GMChG _3-to_p"><span class="_3Rmqs8 _2GMChG _3-to_p">Most cost-effective remaining expense firms for a feminine</span></span></p>
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<div class="OE0NEO fyWLSM _2gpzlo">
<div class="OE0NEO fyWLSM">
<p class="_2GMChG _3-to_p"><span class="_24lkfo _2GMChG _3-to_p"><span class="_3Rmqs8 _2GMChG _3-to_p"><span class="_3Rmqs8 _2GMChG _3-to_p">Supply:</span></span><span class="_2GMChG _3-to_p"> Quotacy. Charges generated on 10/15/2021.</span></span></p>
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<p><h2 class="_2HGwPY _7LUqYM _2GMChG _1VhA5C" data-currency="Text"><span class="_2HGwPY _7LUqYM _3Rmqs8 _2GMChG _3-to_p"><span class="_2HGwPY _7LUqYM _3Rmqs8 _2GMChG _3-to_p">A better have a look at these firms</span></span></h2>
</p>
<div class="FTDQoV">
<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">Learn full evaluations of the insurers Quotacy analyzed to be taught extra about their coverage choices, professionals and cons. </span><span class="_2GMChG _3-to_p">BaghdadTime’s life insurance coverage rankings</span><span class="_2GMChG _3-to_p"> consider monetary power, buyer criticism ratios and shopper expertise.</span></p>
</div>
<p><h4 class="_2HGwPY _3ZRnke _2GMChG _34qbNm" data-currency="Text"><span class="_2HGwPY _3ZRnke _2GMChG _3-to_p">Life insurance coverage rankings methodology</span></h4>
</p>
<div class="FTDQoV">
<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">BaghdadTime’s </span><span class="_2GMChG _3-to_p">life insurance coverage rankings</span><span class="_2GMChG _3-to_p"> are based mostly on shopper expertise, criticism index scores from the Nationwide Affiliation of Insurance coverage Commissioners for particular person life insurance coverage, and weighted averages of economic power rankings, which point out an organization’s potential to pay future claims. Inside the shopper expertise class, we think about ease of communication and web site transparency, which seems on the depth of coverage particulars out there on-line. To calculate every insurer’s score, we adjusted the scores to a curved 5-point scale.</span></p>
</div>
<div class="FTDQoV">
<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">These rankings are a information, however we encourage you to buy round and examine a number of insurance coverage quotes to search out the very best fee for you. BaghdadTime doesn&#8217;t obtain compensation for any evaluations. Learn our </span><span class="_2GMChG _3-to_p">editorial pointers</span><span class="_2GMChG _3-to_p">.</span></p>
</div>
<p><h4 class="_2HGwPY _3ZRnke _2GMChG _34qbNm" data-currency="Text"><span class="_2HGwPY _3ZRnke _2GMChG _3-to_p">Insurer complaints methodology</span></h4>
</p>
<div class="OE0NEO fyWLSM">
<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">BaghdadTime examined complaints acquired by state insurance coverage regulators and reported to the Nationwide Affiliation of Insurance coverage Commissioners in 2018-2020. To evaluate how insurers examine to at least one one other, the NAIC calculates a criticism index annually for every subsidiary, measuring its share of complete complaints relative to its measurement, or share of complete premiums within the business. To judge an organization’s criticism historical past, BaghdadTime calculated the same index for every insurer, weighted by market shares of every subsidiary, over the three-year interval. Ratios are decided individually for auto, dwelling (together with renters and apartment) and life insurance coverage.</span></p>
</div>
</div>
<p><a href="https://www.nerdwallet.com/article/insurance/cheap-life-insurance">Source link </a></p>

			<div class="post-bottom-meta post-bottom-tags post-tags-modern"><div class="post-bottom-meta-title"><span class="tie-icon-tags" aria-hidden="true"></span> Tags</div><span class="tagcloud"><a href="https://baghdadtime.com/tag/cheap/" rel="tag">Cheap</a> <a href="https://baghdadtime.com/tag/companies/" rel="tag">Companies</a> <a href="https://baghdadtime.com/tag/insurance/" rel="tag">Insurance</a> <a href="https://baghdadtime.com/tag/life/" rel="tag">Life</a></span></div>
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				<div id="single-post-meta" class="post-meta clearfix"><span class="date meta-item tie-icon">January 4, 2022</span><div class="tie-alignright"><span class="meta-comment tie-icon meta-item fa-before">0</span><span class="meta-views meta-item "><span class="tie-icon-fire" aria-hidden="true"></span> 1 </span><span class="meta-reading-time meta-item"><span class="tie-icon-bookmark" aria-hidden="true"></span> 4 minutes read</span> </div></div><!-- .post-meta -->
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		<script id="tie-schema-json" type="application/ld+json">{"@context":"http:\/\/schema.org","@type":"Article","dateCreated":"2022-01-04T22:53:14+00:00","datePublished":"2022-01-04T22:53:14+00:00","dateModified":"2022-01-04T22:53:14+00:00","headline":"Cheap Life Insurance Companies for 2022","name":"Cheap Life Insurance Companies for 2022","keywords":"Cheap,Companies,Insurance,Life","url":"https:\/\/baghdadtime.com\/cheap-life-insurance-companies-for-2022\/","description":"Low cost life insurance coverage is not out of attain, particularly in the event you're wholesome. Examine charges from a spread of carriers, and apply as quickly as you establish a necessity for prot","copyrightYear":"2022","articleSection":"Finance","articleBody":"Low cost life insurance coverage is not out of attain, particularly in the event you're wholesome. Examine charges from a spread of carriers, and apply as quickly as you establish a necessity for protection \u2014 resembling while you tackle a brand new monetary obligation, like getting a mortgage or having a baby.To get began, right here\u2019s a breakdown of among the least expensive life insurance coverage firms by age, gender, fee class and coverage sort.Methodology: These charges are based mostly on evaluation by Quotacy, an internet life insurance coverage brokerage and BaghdadTime companion that works with greater than 25 time period life insurance coverage firms. Quotacy analyzed knowledge from the ten time period life insurance coverage carriers that it considers best for low costs. For remaining expense insurance policies, Quotacy thought-about two further firms. Quotacy\u2019s evaluation doesn't embrace insurers that primarily promote on to customers or via brokers devoted to a single firm.Though these charges will not be consultant of the complete life insurance coverage market, they can provide you an concept of what to anticipate as you examine life insurance coverage quotes. Many components have an effect on life insurance coverage costs, and your charges are more likely to be totally different from the pattern charges proven beneath.Most cost-effective time period life insurance coverage firms for 2022Time period life insurance coverage is the most cost effective sort of life insurance coverage coverage; the price of entire life insurance coverage may be considerably increased. With that in thoughts, listed below are among the least expensive firms for a 20-year, $500,000 time period life insurance coverage coverage overlaying tremendous most popular candidates. \u201cTremendous most popular\" is a time period insurers use to explain candidates who pose the least danger \u2014 usually non-smokers in wonderful well being who meet sure further standards.Most cost-effective month-to-month charges for a brilliant most popular maleSupply: Quotacy. Charges generated on 10\/15\/2021.Most cost-effective month-to-month charges for a brilliant most popular feminineSupply: Quotacy. Charges generated on 10\/15\/2021.Most cost-effective life insurance coverage firms for most popular candidatesListed below are some\u00a0of the most cost effective month-to-month charges for a 20-year, $500,000 time period life insurance coverage coverage overlaying a most popular applicant. The time period \u201cmost popular\u201d refers to a non-smoking applicant in good well being who poses minimal danger to the insurer.Most cost-effective month-to-month charges for a most popular maleSupply: Quotacy. Charges generated on 10\/15\/2021.Most cost-effective month-to-month charges for a most popular feminineSupply: Quotacy. Charges generated on 10\/15\/2021.Most cost-effective life insurance coverage firms for people who smoke for 2022People who smoke pay extra for all times insurance coverage due to the well being dangers related to tobacco use. For a smoker in in any other case good well being, these are among the many least expensive month-to-month charges for a 20-year, $500,000 time period life insurance coverage coverage. \"Most well-liked smoker\" is a time period for candidates who \u2014 smoking apart \u2014 match the factors of the \"most popular\" class.Most cost-effective month-to-month charges for a most popular male smokerSupply: Quotacy. Charges generated on 10\/15\/2021.Most cost-effective month-to-month charges for a most popular feminine smokerSupply: Quotacy. Charges generated on 10\/15\/2021.Most cost-effective life insurance coverage firms for people who smoke in truthful well beingThese are a number of of the most cost effective insurers for candidates who fall into the \u201ccommonplace smoker\u201d class. Customary people who smoke are folks in average well being who smoke and should pose different dangers to the insurer. The month-to-month charges beneath are for a 20-year, $500,000 time period life insurance coverage coverage.Most cost-effective month-to-month charges for the standard male smokerSupply: Quotacy. Charges generated on 10\/15\/2021.Most cost-effective month-to-month charges for the standard feminine smokerSupply: Quotacy. Charges generated on 10\/15\/2021.Most cost-effective remaining expense firms for 2022If you happen to\u2019re available in the market for no medical examination life insurance coverage, these firms have among the least expensive month-to-month charges for a $10,000 remaining expense coverage. Also called burial insurance coverage, remaining expense insurance policies skip each the well being questionnaire and medical examination and are sometimes capped at low quantities of protection.Most cost-effective remaining expense firms for a maleSupply: Quotacy. Charges generated on 10\/15\/2021.Most cost-effective remaining expense firms for a feminineSupply: Quotacy. Charges generated on 10\/15\/2021.A better have a look at these firmsLearn full evaluations of the insurers Quotacy analyzed to be taught extra about their coverage choices, professionals and cons. BaghdadTime\u2019s life insurance coverage rankings consider monetary power, buyer criticism ratios and shopper expertise.Life insurance coverage rankings methodologyBaghdadTime\u2019s life insurance coverage rankings are based mostly on shopper expertise, criticism index scores from the Nationwide Affiliation of Insurance coverage Commissioners for particular person life insurance coverage, and weighted averages of economic power rankings, which point out an organization\u2019s potential to pay future claims. Inside the shopper expertise class, we think about ease of communication and web site transparency, which seems on the depth of coverage particulars out there on-line. To calculate every insurer\u2019s score, we adjusted the scores to a curved 5-point scale.These rankings are a information, however we encourage you to buy round and examine a number of insurance coverage quotes to search out the very best fee for you. BaghdadTime doesn't obtain compensation for any evaluations. Learn our editorial pointers.Insurer complaints methodologyBaghdadTime examined complaints acquired by state insurance coverage regulators and reported to the Nationwide Affiliation of Insurance coverage Commissioners in 2018-2020. To evaluate how insurers examine to at least one one other, the NAIC calculates a criticism index annually for every subsidiary, measuring its share of complete complaints relative to its measurement, or share of complete premiums within the business. To judge an organization\u2019s criticism historical past, BaghdadTime calculated the same index for every insurer, weighted by market shares of every subsidiary, over the three-year interval. Ratios are decided individually for auto, dwelling (together with renters and apartment) and life insurance coverage.\r\nSource link ","publisher":{"@id":"#Publisher","@type":"Organization","name":"Baghdad Time","logo":{"@type":"ImageObject","url":"https:\/\/baghdadtime.com\/wp-content\/uploads\/2021\/04\/Fichier-11.png"},"sameAs":["https:\/\/facebook.com\/NewsFeedHubCom","https:\/\/twitter.com\/NewsFeedHub","#","#"]},"sourceOrganization":{"@id":"#Publisher"},"copyrightHolder":{"@id":"#Publisher"},"mainEntityOfPage":{"@type":"WebPage","@id":"https:\/\/baghdadtime.com\/cheap-life-insurance-companies-for-2022\/","breadcrumb":{"@id":"#Breadcrumb"}},"author":{"@type":"Person","name":"ghaith","url":"https:\/\/baghdadtime.com\/author\/ghaith\/"},"image":{"@type":"ImageObject","url":"https:\/\/baghdadtime.com\/wp-content\/uploads\/2022\/01\/GettyImages-724227263-copy-1440x864.jpg","width":1440,"height":864}}</script>
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