(888) 78dd8-1052

Speak with a Licensed Adviser

December 2012

Get best life insurance rates after a heart attack 2016

 How To Get The Best Life Insurance Rates After A Heart Attack In 2016   Many people think once they have a heart attack they are unable to ever get normal life insurance again.  This is not the case most of the time.   Due to advancements in medicine and life expectancy, if one has had a heart attack they can usually qualify for term life insurance and even permanent coverage. The trick is to find the right company.  By working with an independent broker, they can anonymously shop your case around to get you a pre-approval at the best rate.  […]

Best Life Insurance Quotes 2016

Life insurance – what is it & how does it work? Term life insurance is the simplest, most popular and cost effective way to financially protect any dependents in the event of your death. While it won’t help those left behind to get over their loss, the benefit of a lump sum, in most cases tax-free, will guarantee your family isn’t deprived of funds during an already stressful time.  With the cost of life insurance at all-time lows, now is the perfect time to get covered.     Life insurance premiums vary from person to person, with factors such as […]

The 10 best life insurance companies 2016, top 10 life insurance companies 2016

This post will go over the best life insurance companies for 2016 based on admitted assets.  So many life insurance companies have an online presence in 2016 that you may be unsure which companies are the best option, not only based on price but on financial stability.  With such an important decision, its necessary to have as much information as possible.   1. MetLife    Established in 1868, MetLife is today the largest life insurer in the United States based on life insurance in force. The MetLife companies offer life insurance, annuities, auto and home insurance, retail banking and other […]

Buying life insurance in 2016, rates, markets, trends, products

Life Insurance In 2016, Rates & Trends To Expect  The life insurance industry saw big changes in the later part of 2012, and we can expect to see even bigger changes moving forward today in 2016.  Many of the major life carriers increased their premiums in 2012, and some companies even dropped some of their most popular products from their portfolio like the 30-year guarantee level term policy.  This was mainly due to the historic low interest rate environment.  While low interest rates are great for obtaining a mortgage or auto loan, it makes it difficult for insurance companies to […]

Barrett’s Esophagus Life Insurance Rates

How to get the lowest life insurance rates with Barrett’s esophagus Barrett’s esophagus us a condition involving changes of the mucosal cells lining the lower esophagus due to injury often caused by chronic reflux of the stomach acid.   Lean how to ace the medical exam. Click here   Medications   Axid (generic-nizatide) Metozok ODT (generic-metoclopramide) Nexium (generic-esomperazole) Pepcid, Pepcid AC (generic-famotidine) Prevacid (generic-iansoprazole) Prilosec (generic-omeprazole) Protonix (generic-pantoprazole) Reglan, Reglan ODT (generic-metoclopramide) Tagamet )generic-cimetidine) Nexium (generic-ezomeprazole) Zantac (generic-ranitidine) Zegerid (generic-ranitidine) Underwriting factors   •On any medications for Barrett’s esophagus? •Testing done with biopsies? •Compliance with treatment and follow-ups with physician? […]

Life Insurance With Attention Deficit Disorder (ADD) & (ADHD)

Get The Best Rate On Life Insurance With Attention Deficit Disorder (ADD) & (ADHD) in 2014   Attention deficit disorder (ADD) is one of the three subtypes if attention-deficit hyperactivity disorder (ADHD).  It  is a condition that refers to one’s inability to control their behaviors or impulses. What kind of rate can I get? Click here and see instantly   Medications   Adderall (generic-amphetamine and dextroamphetamine) Adderall XR (generic-amphetamine and dextroamphetamine) Aventyl (generic-nortiptyline) Pamelor (generic-nortiptyline) Ritalin, Ritalin LA, Ritalin SR (generic-methylphenidate) Strattera (generic-atomoxetine) Tofranil (generic-imipramine) Wellbutrin, Wellbutrin SR, Wellbutrin XL (generic-bupropion Zyban (generic- bupropion) Underwriting factors insurance company may ask […]

Get The Best Life Insurance Rates with Asthma

Get The Best Life Insurance Rates With Asthma By Choosing The Right Company   Asthma-is an obstructive lung disease characterized by reversible airway obstruction and airway hyper-responsiveness. Underwriting Factors   •Frequency of symptoms •Duration and intensity of exacerbations •Medications taken for treatment, including response to treatment •Smoking status •Any similar serious impairment •Number of asthma attacks in past year •Ever require a rescue inhaler Common medications   •Advair •Albuterol •Azmacort •Beconase •Hydrocortine •Ibuterol •Nacacort •Singulair •Symbicort •Theophylline •Xolair   Rating classes   •Preferred Plus •Preferred •Standard Plus •Standard •Rated A-C 1 •Rated D-H 2 •Rated I & Above 3 •Decline […]

Life Insurance After An Aneurysm Underwriting & Rates

What to expect when applying for life insurance after an aneurysm   Aneurysm-An abnormal dilation of the aorta of other artery associated with an increased risk of rupture or dissection.   Underwriting factors   •Precise diagnosis •Location and size of aneurysm •Treatment •Presence or absence of symptoms •Any CAD, HTN, CVD, COPD or renal disease •Smoker or not •Regular check-ups   Risk Categories   •Preferred Plus •Preferred •Standard Plus •Standard •Rated A-C 1 •Rated D-H 2 •Rated I & Above 3 •Decline Possible range of underwriting results   •If the aneurysm was small, not requiring surgery rating class: Possible Mild […]

Life Insurance Underwriting With Anxiety Disorder

Life Insurance Underwriting With An Anxiety Disorder   Anxiety disorder is a blanket term covering several different forms of a type of common psychiatric disorder characterized by excessive rumination, worrying, uneasiness, apprehension and fear about future uncertainties either based on real or imagined events, which may affect both physical and psychological health.  Wikipedia   Medications:   Atovan (gemeric-lorazepam)   Paxil (generic-paroxetine) Buspar (generic-buspirone)     Paxil CR (generic-paroxetine) Celexa ( generic-citalopam)     Prozac (generic-fluoxeine) Cymbalta                                 Wellbutrin (generic-bupropion) Desyrel (tazodone)                  Xanax (alprazolam) Effexor (venlafaxine)               Zoloft (sertraline) Klonopin (clonazepam)           Zyban (bupropion) Lexapro (generic-escitalopram) Underwriting factors:   […]

Life Insurance Pricing With Anemia

Get The Best Life Insurance Rate With Anemia Anemia Is a common blood disorder that occurs when the level of healthy red blood cells in the body become too low. Underwriting factors that determine the rating class with anemia underwriting:   •When were you diagnosed? •Currently taking any medications for anemia? •Ever been hospitalized for anemia? •Any other medical problems? Life insurance companies rating classes: •Preferred Plus •Preferred •Standard Plus •Standard Underwriting life insurance with anemia:   •Currently stable iron deficient anemia, normal blood test results, no complications, normal hemoglobin 2 years since last episode = likely Preferred Plus rating […]

Post image for Alcoholism and Life Insurance | What You Need To Know

Alcoholism is a term used for problems with alcohol, levels that interfere with health, relationships, social and occupational responsibilities. Factors in life insurance underwriting with alcoholism:   Dates of treatment and diagnosis? Any relapse from abstinence? Any legal problems? Liver enzymes readings? Any health problems? Any drug abuse history? Medications:   Pediapred Liquid, Medrol(generic=prednisolone) Femiron, Feosol (generic-iron supplement) Epogen, Procrit (generic-epoetin alfa) FA8 (generic-folic acid) Life insurance companies rating classes:    •Preferred Plus •Preferred •Standard Plus •Standard Determining your rate with a history of alcoholism:   More than 10 years complete abstinence from alcohol= likely Preferred Plus More than 5 […]

How Does Acid Reflux (Gerd) Affect My Life Insurance Application?

Acid Reflux (Gerd) & Life Insurance Underwriting 2014 Acid Reflux—(Gerd)   A condition in which the stomach contents leak backwards from the stomach into the esophagus. Medications:   Aciphex (generic-rabepazole)                                                              Pepcid AC (generic- famotidine) Prevacid (generic-iansoprazole) Prilosec (generic-omeprazole) Protonix (generic-pantoprazole) Regian (generic-metoclopramide) Regian ODT (generic-metoclopramide) Tagamet-(generic-cimetidine) Zantac (generic-ranitdine) Zegerid (generic-omeprazole) Axid (generic-nizatide)                                          Carafate (generic-sucralfate) Kapidex Metozok (generic—metoclopramide) Nexium (generic-esomeprazole)                                  Underwriting Factors With Acid Reflux:   •Date of diagnosis •Is the medication over the counter? Is it working? •Number of medications taking for Acid Reflux? •How are symptoms? •Outcome of recent doctor’s visit? •Any other medical conditions? Life insurance […]

Post image for Diabetics in 2016 Can Now Obtain the Same Life Insurance Rates as the Average Citizen

Recent changes to the underwriting guidelines, for a select number of life insurance companies in 2016, has allowed those with well controlled type II diabetes to be approved at the same rates given to the standard applicant.  This is a monumental shift in life insurance underwriting for those who qualify.  What has changed in 2016? In years past, obtaining life insurance with diabetes has often been a nightmare.  Not only would the underwriting process take forever, but the rates were exorbitant.  On top of that, many companies have very strict underwriting guidelines which would cause certain applicants to be declined.  […]

Post image for Can One Still Get Life Insurance Over 80 Years Old?

Life Insurance Over 80 Years Old |Seniors Term & Estate Policies If you were born in 1928 or later, there are a few A+ rated companies that will offer you insurance, as long as you’re in average to good health.   You may be eligible for up to $1,000,000 or more of coverage depending on various factors.  However, many people will opt for a final expense policy in the neighbored of $5,000 to $15,000 since it is less expensive.  Fyi–the typical funeral costs in the United States range from about $7,000 to $15,000. How much is permanent coverage –Universal Life Policy […]

What Does A Life Insurance Blood Test Look For?

What Does A Life Insurance Blood Test Look For in 2016? When you apply for a life insurance policy, the insurance company is going to perform what is called an ABC-Automated Blood Count blood test.– Some labs refer to it as the CBC-Complete Blood Count   I put together a list of what exactly they will be testing for, so you can get the best results.  If you have any questions do not hesitate to leave a comment. Blood Pressure Blood pressure is the force applied by circulating blood on the walls of blood vessels.  High blood pressure increases the risk […]

Post image for How Much Does $2,000,000 (Two Million) Dollars Of Life Insurance Cost?

How Much Does $2,000,000 (Two Million) Dollars Of Life Insurance Cost? It might be difficult to know how much one should pay for life insurance coverage. Nonetheless it is something that you need, because you never know when you will pass away. The sooner you get life insurance the better it will be for you and your family. Protect them from the pain of leaving them with nothing. When you calculate the amount of life insurance you need you should think about immediate and short term needs as well as long term needs. What would fall into the current term […]

Post image for Term Life Insurance For Seniors

Best Term Life Insurance For Seniors 60 (Sixty) and Over Life insurance is essential for young adults who need to protect their children, future income earrings and financial obligations such as the mortgage.  Although seniors are at a different stage of life, the need for life insurance can be just as great.   Not only do many seniors have those same concerns as young adults but now they begin to think more about paying for final expenses, estate protection and preserving their legacy. Where do I begin when obtaining life insurance for a senior? The first thing I recommend is […]

Post image for Can The Life Insurance Blood Test Detect Recent Alcohol Use?

Yes, but..  Most life insurance companies require a brief physical performed by a health professional paid for by the insurance company. The exam takes about 30 minutes and entails the recording your height, weight and blood pressure. They will also take a small blood and urine sample.  Will alcohol show up on my life insurance blood test if I had a drink recently? The insurance companies perform what is called an ABC-Automated Blood Count blood test.  Some labs refer to it as the CBC-Complete Blood Count.  The ABC blood test does check the liver enzymes like GGT, ALT, AST as […]

Post image for Term Life Insurance For A 75 Year Old-Are Premiums Still Affordable ?

Many people assume that term life insurance rates are unaffordable once you reach your mid-70’s.  Well, this may or may not be true, it’s going to depend on your health and budget.  From the life insurance company’s perspective, they are “betting” that you will live through the duration of the term.  You as the consumer are “betting” that you will not live though the duration of the term or by the time the policy expires, you will have different financial obligations that you do today. Let’s take a look at the rates for a 75 Year Old Female seeking $100,000 […]

Post image for Term Life Insurance 55 Years Of Age & Older

If you are 55 year of age or older, it isn’t too late to get a good rate on term life insurance.  In fact, with new life expectancy and mortality tables, rates have never been lower. Also, if you are age 55 or over, you still may qualify for up to a 30 year level term policy!  I put together a list showing how affordable term life is if you are in good health and over 55. Here are some examples of level term life insurance rates for those 55, 56,57,58,59 years old: Term Life Insurance Rates For a 55 […]

Post image for How To Get The Best Rate With Osteoarthritis or Rheumatoid Arthritis

Arthritis and life insurance underwriting can be complicated depending on which type you have.  Since there are over 100 different forms of arthritis, we will address the two most common forms, osteoarthritis and rheumatoid arthritis. Osteoarthritis & life Insurance—what you need to know Osteoarthritis is the most common form of arthritis.  It is a lingering disease that causes the cartilage between the bone joint to wear away leading to discomfort and stiffness.  Common treatments include over the counter medications like Advil, Aleve, Aspirin, Bayer as well as prescription medications. Factors that determine the rating class with osteoarthritis: -What type of […]

Post image for State Farm Life Insurance Review 2013

State Farm Review 2014 We’ll begin by saying that State Farm is a great property and casualty company.  A testament to this is the over 16k agent offices around the country.  I actually have a friend who owns his own State Farm agency and have spoken to hundreds and hundreds of clients over the years that have policies with State Farm.  They all acknowledge that State Farm is a great company and rarely do you ever hear anything negative. How about life insurance rates? With that being said, it’s known that the life insurance line of State Farm is rarely […]

Post image for The Life Insurance Blood Test-What You Need To Know

Tips For The Life Insurance Blood Test 2016 Edition Ah, the life insurance blood test.  While the sound of it may not be pleasant, the good news is it’s really not that bad. The whole exam process takes about a half an hour, and involves a licensed medical professional coming out to your home or office and taking your height, weight, blood pressure reading,  and a small blood and urine sample. In some cases, an EKG may be required.  It’s really similar to an annual checkup you get from your physician. Why Does The Life Insurance Company Need A Blood […]

Post image for $250,000 Term Life Insurance Policy

$250,000 Term Life Insurance   Term life insurance is considered the most economical type of life insurance coverage.  A person purchases a policy and enters into a contact with the insurance company to insure him or her for a specific period of time and the premiums remain the same for the contract. When the coverage reaches the end of the term, the policyholder can enter into a new contract with the insurance company or allow the policy to lapse.  Many policies will automatically renew with an large increase in policy premiums but you remain covered.   However, the older a person […]

Post image for 20 Year Term Life Insurance People In their 40’s

20 Year Term Life Insurance People In their 40’s   Life Insurance rates are at all-time lows right now.  Take a look at some premiums for someone their 40’s. Example of 20 year term policy rates for some in their 40’s, non-smoker at the Preferred Plus rate class:   Age $100,000 $250,00 $500,000 40 $11.37 $17.94 $30.45 41 $12.30 $19.58 $33.93 42 $13.26 $21.53 $37.85 43 $14.33 $23.93 $42.63 44 $15.48 $26.54 $47.85 45 $16.73 $29.93 $52.64 46 $17.78 $31.54 $57.86 47 $18.98 $33.93 $62.64 48 $20.25 $36.76 $68.30 49 $21.65 $39.80 $74.39     *Rates as of 12/7/2012. The […]

Post image for How Much Does Term Life Insurance Cost For a 40 Year Old Male?

Term Life Insurance Rates 40 Year Old Male Non-smoker By the time you reach your 40’s, most likely will you have a family depending on you.  You have a mortgage, kids and a spouse that all rely on your income.  What would happen if your income were to suddenly stop, how would they live? This is where life insurance helps out.  A good life insurance policy will guarantee that your family is taken care of in the event of your death.  The mortgage, children’s education and college costs are all paid for, and your family can go on without the […]

Post image for $500,000 Term Life Insurance Policy

$500,000 Term Life Insurance Term life insurance is a financial security product that pays out funds in a lump sum upon death of the insured. Despite the importance of term life insurance, amazingly few of us have a term life insurance policy in place.  It is even more surprising when you consider $500,000 of term life can be had for as low as $15 month! Why Do You Need Life Insurance? For folks with a home loan and a family to support, not having a life insurance policy subjects your family to unnecessary risk. This danger becomes apparent when you […]

Post image for How Affordable is $1,000,000 Term Life Insurance Policy?

$1,000,000 Term Life Insurance   When you begin to evaluate your life insurance needs, you will soon realize that the amount of money you would need to replace your income is higher than you anticipated.  Between the amount of money you need to replace your income, pay off debts and cover your children’s education, a $1,000,000 may be exactly what you need.  Use the needs analysis calculator to see how much life insurance you need Is a million dollars’ worth of life insurance going to cost me a lot of money though? Term life insurance is very inexpensive today.  A […]

Post image for What You Need to Know About The Life Insurance Physical–eBook!

Life Insurance Physical I wrote an eBook last week on-everything you need to know about the life insurance physical blood and urine test, including ideal reference range numbers.  I haven’t seen this detailed information readily available online, so hopefully this will answer a lot of questions about the test.  The life insurance physical eBook can be downloaded for free on the right sidebar on this site.  How much life insurance do you need? Let me know if you have any questions! Compare life insurance rates here!

Post image for Is Term Life Insurance Affordable Over 60?

Can Seniors Still Get Affordable Term Life Insurance Over 60? There are many reasons why someone may need life insurance over the age of 60, whether it is for income replacement, to cover mortgages and loans, or for funeral benefits.   I understand as long as people have families and obligations there is a need for life insurance.  When looking for life insurance over the age of 60, it is vital that you compare rates.  Prices can vary greatly from one company to the next when you are over 60. Get an instant Quote Here are the costs for life insurance […]

Life Insurance Rating Categories

by Scott G on December 4, 2012

Post image for Life Insurance Rating Categories

Life Insurance Rating Categories While price is one of the most important factors when choosing your company, make sure you look at the financial ratings as well.  The financial-strength ratings measure the insurance companies’ ability to pay out claims.  You want to go with a company that will be able to pay out the claim promised in the policy. You can see the A.M. Best rating for the companies using this quote engine.  A.M. Best is the leading rating service. Here are the top 15 rating categories for the leading rating services.   A.M. Best Fitch Moody’s Standard & Poor’s […]

Post image for Life Insurance For Seniors Over 70

Life Insurance For Seniors Over 70 (Seventy) Affordable term life insurance rates are still attainable for those who over the age of 70.  It’s important to shop with the correct companies to make sure you find the best rates. What kind of rate can I get? Click here and see instantly Sample Term Life Insurance Rates for Seniors over 70 $100k 10-year level term policy for a 70 year old female, non-smoker at the Preferred Rating class=$69.83 month with Transamerica.  A+ rated company with A.M. Best $100k 10-year level term policy for a 75 year old female, non-smoker at the […]

Life Insurance Over 50

by Scott G on December 4, 2012

life insurance over 50

Life Insurance Over 50 Life insurance rates are still at all-time lows, which is great news for people over 50 years old age looking to secure a policy. Click here to see what rates you qualify for Sample Life Insurance Premiums Over 50+ $250k 10-year level term for a 50 year old male, non-smoker at the Preferred Plus rate class =$24.36 month with Savings Bank Life Insurance Co of MA.  Rated A+ by A.M. Best $250k 10-year level term for a 55 year old male, non-smoker at the Preferred Plus rating class=$39.45 month with Protective Life Insurance Company. Rated A+ […]

Post image for 20-Year Term vs. 30-Year Term-Which One To Choose?

20-Year Term vs 30-Year Term Life Insurance I recently had a client who was deciding between a 20-year level term and a 30-year level term policy.  He was in his late 30’s, married, 2 young children with 28 years left on the mortgage.  He ultimately chose the 30 year term, and now he’s was very happy knowing his young family will be protected for the next 30 years.  Choosing the correct term is going to come down to answering the right questions and on how much more money you want to spend on a policy. Check the rates today! Here […]

Post image for Term Life Insurance Rates For a 40 year Old

Term Life Insurance For a 40 Year Old Great news if you are 40 years old and looking for term life insurance.  I recently wrote a policy for a 40 year old male and it cost him less than $15 month!  Although most term polices aren’t going to be that inexpensive, the rates are really affordable right now.  Check for life insurance rates here! Here are sample rates for life insurance for a 40 year old male on a 10-year level term at the best rate class, non-smoker: $250k = $12 month or only $135 a year from an A+ […]