Here is everything you need to know about the absolute best guaranteed acceptance life insurance policies/rates that require no health questions to be answered and no medical exam for men and women at various ages and amounts of life insurance. Over the past 32 years I’ve had a lot of people, mostly seniors, that have inquired […]
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A common question we’ve gotten from people with potential underwriting issues is what information do life insurance companies have access to… A lot of people believe that life insurance companies won’t find out about health or other issues if you just don’t admit to the issue on the insurance application or during a life insurance exam. Whether
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You need life insurance for an SBA loan. That’s no problem, but how do you get the best rate and coverage to fit your specific need without having to wait 4 to 6 weeks for an approval? How do you know you’ll get approved fast at best best rate and type of insurance to suit your
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Term Life Insurance vs. Whole Life Insurance: Which To Choose? Which life insurance to choose is a highly personal decision based on many factors including what you’re willing to spend and how long you may need the life insurance coverage. There are pros and cons to each type of insurance… Nonetheless, it is impossible to
Term Life Insurance vs. Whole Life Insurance: Which To Choose? Read More »
CLICK HERE IF YOU’D LIKE US TO SHOP YOUR CASE Typical scenario: you were quoted a rate for life insurance before applying…you were satisfied that it was a decent quote and you applied. You waited the four to six weeks for medical records to be received and the underwriter to make
Life Insurance Tips If Approved For Higher Rate Read More »
I like the idea of having a chronic illness or critical illness policy that will pay me cash if I get sick and/or could no longer care for myself without assistance. What I don’t like is having to fork out more money for one more type of insurance.This is no longer an issue since a handful
Life Insurance With Living Benefits: 2 Birds, 1 Stone Read More »
The first thing you need to do when you get declined for life insurance is to have the agent you’re dealing through find out the exact reason you were declined. The agent should do this automatically, but I suspect that many don’t. Being told that you were declined because you have diabetes, heart disease, a stroke,
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If you’re having trouble getting approved for life insurance, you’re not alone! What prompted to me to write this is an extremely angry gentleman who called me last week. He had applied to a well-known life insurance company two months ago because he was required to have life insurance for an SBA loan. This insurance
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CLICK HERE FOR ACCURATE QUOTE If you have two different underwriting issues, like heart disease and diabetes or diabetes and sleep apnea, getting the best life insurance rate can require some work. If you add a third and/or fourth underwriting issue, like being overweight, having anxiety, and/or depression in addition to having heart disease and diabetes, this
It Can Take Work To Get the Best Life Insurance Rate! Read More »
Do you buy a 10 year term, 20 year term, 30 year term, or some type of permanent life insurance? You probably like the cost of the 10 year term plan but know that you’ll really need coverage for longer than 10 years. Since all rates are based on age and health, you really want
Ladder Your Life Insurance and Save Money! Read More »
My cousin who has some life insurance through his employer, but not nearly enough, was recently considering buying some more insurance. He hasn’t purchased any more yet, and he told me, “I’m not gonna die anytime soon,” which I believe is the main reason he’s putting this off. My cousin has a wife and two young
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The results of your life insurance exam can sometimes help make or break your case. Having excellent exam results can help me to get you credits for an even better offer than may usually be offered. Conversely, having poor exam results can result in you only qualifying for higher rates than expected. If you’re like me and have
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You know you need life insurance because you have people that rely on your income, but with so many choices and different types of life insurance, what do you buy? I saw an article recently that indicated “analysis paralysis” caused many people to not buy it, even though they really need it, because they did not want
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I got a call from a guy who was having some serious financial problems and was on the verge of bankruptcy. He had a $1 million policy that he could no longer afford and was going to let it lapse. If he lapsed the policy, he would have gotten nothing back! I shopped his case
I Got $436,000 To Sell My Life Insurance Policy! Read More »
I remember when I was a younger buck and first living on my own, eating Ramen noodles and baked potatoes for the majority of my meals because they were so cheap. If I needed an appliance or anything else, I usually bought the cheapest I could find. Some of the things I bought broke quickly
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The biggest problem I see with people buying term life insurance is the fact that many agents just sell based on price alone. This could hurt you or may not provide you with all of the benefits that a slightly higher rate may offer you. Even well known life insurance websites are pitching the cheapest
Term Life Insurance That Will Pay You While You’re Still Living! Read More »
I see that many financial “gurus” like Dave Ramsey talk about buying term insurance only, but term life is not always best for everyone. For young families, term life is usually a better option because you can buy a lot more term life insurance when you’ll need it most for a lot less money than any
Term Life Insurance Is NOT Best For Everyone! Read More »
I’m asked this question often, and I find that most people greatly underestimate the amount their family would really need if they were to die prematurely. Some things to consider when trying to figure out what amount of life insurance to buy: 1) What kind of lifestyle do you want for your loved ones should
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