Visit on FacebookSocial Media and Life Insurance
Are you involved in any form of social media and have or are looking to purchase life insurance? Read this first!
Health Insurance Takes a Hike in California – Anthem Blue Cross Raising Rates! (part II)
You do not have to settle for raised premiums if you shop around and find the best plan that suits you both personally and financially.
Life Insurance For Those With Limited Funds
Term life may be the most inexpensive form of life insurance available since you pay merely for coverage for a predetermined time period. Therefore, it can provide great insurance coverage if you are on a limited budget. Here are some strategies to get lower insurance rates for your life insurance needs. The Younger You Are, the Cheaper Your [...]
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Scuba Diving and Purchasing Life Insurance
Yesterday, we talked about the risk of private aviation in relation to purchasing life insurance. But scuba diving is another popular activity considered risky by life insurance companies. Therefore, it affects the underwriting process. Life insurance carriers check out how often an applicant dives and what their maximum depth is when they do so. It [...]
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Private Pilots and Purchashing Life Insurance
As previously discussed, underwriting is where the insurance company decides your rating class when you purchase a life insurance policy. And as all insurance companies are not created equal, neither are all applicants. Some individuals partake in high risk activities. Underwriting guidelines for hazardous sports may change you rate class. For example, a person who [...]
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Do You NEED a Life Insurance Agent?
When it comes to purchasing a life insurance policy, one wants the least amount of stress possible. The easiest way to reduce stress and make the process flow smoothly is with an independent life insurance agent. What makes an independent agent so useful is their focus on personal service to you, the client. Every step [...]
Determining Life Insurance Rates: How It’s Done (Part I)
One of the most important factors involved when it comes to purchasing life insurance is the cost, and understandably so. After all, it is the amount of money you will be paying for a policy, and most people want to be sure they’re getting the most for their money. So how are rates determined? By [...]
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Case Study: Don’t Cancel That Life Insurance Policy Just Yet!
Craig T. wanted to apply for a new life insurance policy to replace his current policy that has 7 years of level premiums left. The face amount would be the same, but he wanted to extend the term for another 15 years. When we wrote Craig’s new application, we strongly advised him not to cancel [...]
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Why It Pays to Have an Insurance Agent
Americans are making unnecessary work for themselves when it comes to purchasing a life insurance policy. While it’s true that you can find multiple sites with quote engines to give you rates for term life insurance these rates may not be realistic for you. Why is this the case? The majority of these websites do [...]
Juvenile Diabetes and Life Insurance
Underwriting clients with juvenile diabetes is a tricky undertaking when it comes to life insurance. This illness is also known as Type 1 diabetes and affects youngsters, including newborns and adolescents. Lenny has written an extremely informative article on this issue. By clicking the below link, you can learn about why this is a difficult [...]