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March 2013

10 (Ten) Year Term Life Insurance

10 (Ten) Year Term Life Insurance in 2016 Choosing the right term for your life insurance policy can be confusing. You don’t want to pay higher premiums for insurance that you won’t need but you also don’t want to be without insurance protection when you need it.  So what should you do? Term life insurance is typically the best policy for most Americans since it allows you to have the most amount of coverage at the lowest price.  Some of the biggest proponents for term life insurance include the popular financial advisors you see on TV; Susie Orman, Dave Rasmey […]

Primerica (Prime America) 2013 review

Primerica (Prime America) Primerica (Prime America) has grown into one of the largest term life insurance companies in the country.  They ranked #7 in the country for ordinary life insurance issued in 2011, according to A.M. Best.  However, when you examine their business model and premium rates, you will find a company who is overpriced and lacking substance in key areas.  As agents, when a prospective client says they have a policy with Primerica, we kind of smile inside.  We know from experience, more often than not we are going to get you a much better rate then you currently […]

Best Life Insurance Quotes

by Scott G on March 25, 2013 · 1 comment

Best Life Insurance Quotes

Best Life Insurance Rates & Quotes Finding the best rate on your life insurance quote has never been easier, ever!  Long gone are the days where you have to sit through long, uncomfortable sales pitch at your kitchen table from an overzealous life insurance agent.   With the internet, no longer do you just have to trust the agent’s word that you are receiving the best option, now you can instantly compare quotes and save thousands of dollars! Below are the quotes for a 40 year old man seeking a $1,000,000 term policy at the best rating class:   Term Banner […]

Discount Life Insurance Quotes

Discount Life Insurance Prices & Quotes-Get The Lowest Rates Are you looking for discount life insurance?  Great, you came to the right place.  With so many life insurance companies on the internet competing for your business, finding the right one can be overwhelming.  Some companies you may have heard of any many more you haven’t. Difference in prices Every company will offer you a different price quote.  The difference can be minimal to significant, depending on which company you choose.  When you add up the savings, month after month-year after year- for the duration of the policy, you can save […]

Does heartburn affect life insurance quotes?

Heartburn’s Affect On Life Insurance Rates   What Is Hearburn? Heartburn- is a common feeling or “burning” in the chest.  However, heartburn is not caused by the heart, rather it comes from the esophagus when acid backs up from the stomach.  Heartburn is a very common condition in America.  While the exact cause of heartburn is not known, there are known factors that make the reflux worse including: diet, eating habits, lifestyle, medications and other medical conditions. Common Medications for Heartburn Some of the most popular treatment options for the relief of heartburn include: Pepcid AC, Prevacid, Prilosec, Zantac and […]

$3 million life insurance, $3,000,000 life insurance

Sample Term Life Insurance Quotes To calculate your own quote for $3,00,000 or for a different amount, please visit the instant quote engine on this site. Male-Age 30 $3,00,000 Coverage Guaranteed Rate for 30 Years $168 Month-SBLI Non-Tobacco User-Preferred Plus Rate Female-Age 30 $3,00,000 Coverage Guaranteed Rate for 30 Years $128 Month-SBLI Non-Tobacco User-Preferred Plus Rate Male-Age 40 $3,00,000 Coverage Guaranteed Rate for 20 Years $154 Month-SBLI Non-Tobacco User-Preferred Plus Rate Female-Age 40     $3,00,000 Coverage Guaranteed Rate for 20 Years $131 Month-SBLI Non-Tobacco User-Preferred Plus Rate Male-Age 50 $3,00,000 Coverage Guaranteed Rate for 15 Years $334 Month-North American Non-Tobacco User-Preferred […]

$800,000 life insurance sample quotes

Sample Term Life Insurance Quotes To calculate your own quote for $800,000 or for a different amount, please visit the instant quote engine on this site. Male-Age 30 $800,000 Coverage Guaranteed Rate for 30 Years $22 Month-Banner Life Non-Tobacco User-Preferred Plus Rate Female-Age 30 $800,000 Coverage Guaranteed Rate for 30 Years $18 Month-SBLI Non-Tobacco User-Preferred Plus Rate Male-Age 40 $800,000 Coverage Guaranteed Rate for 20 Years $46 Month-SBLI Non-Tobacco User-Preferred Plus Rate Female-Age 40     $800,000 Coverage Guaranteed Rate for 20 Years $40 Month-SBLI Non-Tobacco User-Preferred Plus Rate Male-Age 50 $800,000 Coverage Guaranteed Rate for 15 Years $95 Month-North American Non-Tobacco […]

Top Life Insurance Companies & Ratings

Top Life Insurance Companies If you are looking for a list of the top 10 life insurance companies in America than you came to the right place.  When you are making one of the most important purchases in your life, you want to have as much information as possible.  You need to know that if anything were to happen to you, the insurance company will be around to pay out the claim.  When you finish reviewing the list below, please use the free quote engine to receive instant quotes from most of these top companies.  This will save you and […]

Best Life Insurance Policies

The Best Life Insurance Policies Choosing the best life insurance for your situation can be daunting.  With so much conflicting information, this article will go over the differences so that you will be better informed and can choose the right policy. Term Life Insurance Term life insurance is typically the best policy for most Americans since it allows you to have the most amount of coverage for the lowest price.  Some of the most outspoken advocates for term life are the popular financial advisors you see on TV; Susie Orman, Dave Rasmey and Clark Howard.  The strategy with term life […]

$20, $30, $40, $50 to $100 million life insurance

 How To Get A Large Life Insurance Policy Approved $20 Million To $100 Million Attaining an approval from the insurance company on a large face amount life insurance policy should not be something left to chance.  Unfortunately, it usually is when clients work with an inexperienced agent not familiar with the nuances of large risk underwriting.  Each large life insurance policy has its own set distinct characteristics and should be handled with care.  Most agents who are not experienced with large policies tend to be overzealous and rush through the process in hoping not to lose the “big” sale.  Typically […]

$6000,000 Life Insurance Policy Rates

With nearly a thousand life insurance carriers competing for your business, choosing the best one can be overwhelming.  Couple that with the confusing life insurance terminology it can make many shoppers just want to throw up their hands and not want to buy a policy at all.  This post will break everything down for you, from the difference between term vs. whole life, how much coverage you should have, and how to find the lowest rates-all very quickly.  Let’s get started. Term vs. Whole life insurance Deciding on which type of policy you need is very important.  Far too often […]

When Do You Need Whole Life Insurance?

When Do You Need Whole Life Insurance?  Guest Post Contributed By Lauren Cohen When you are shopping for life insurance, one of the first questions you will need to ask yourself is whether you should buy whole life insurance or term insurance. While both policies provide coverage in the event that you pass away, each product satisfies different needs, and understanding who might be the right candidate for a permanent plan like whole life is important before you start to request quotes and compare premiums. What is Whole Life? Whole life is technically an insurance policy with an investment component built […]

$750,000 life insurance policy

Find the lowest rates on a $750,000 life insurance policy With over 900 + life insurance companies in the market competing for your business, choosing the best policy can be overwhelming.  Couple that with the confusing life insurance terminology it can make many shoppers just want to throw up their hands and not do anything at all.  This post will break everything down for you, from the difference between term vs. whole life, how much coverage you should have, and how to find the lowest rates-all very quickly.  Let’s get started. Term vs. Whole life insurance Deciding on which type […]

Sleep Medications Insomnia life insurance underwriting quotes

How Sleep Medications Affect Life Insurance Underwriting Insomnia or sleeplessness is a common sleep disorder in which people have trouble falling asleep/ staying asleep or both.  The end result is poor-quality sleep. Underwriting factors *What medications are being taken for insomnia or the sleep disorder? *Date of diagnosis? *Is the sleep problem related to depression? Common medications for treatment of insomnia or sleep disorder Ambien (zolpidem), Ativan (lorazepam), Lunesta (eszopiclone), Rozerem (ramelteon), Sonata (zaleplon) Silenor (doxepine) Life insurance underwriting with sleep medications If the insomnia is mild and only on one medication than the best health rating class is possible […]

300,000 term life insurance policy

$300,000 Term Life Insurance Policy A $300,000 term life insurance policy lasts for a specific amount of time, a term.  The term period for most companies range from 10, 15, 20, and 30 years.   There is no penalty for cancelling the policy early.   When the term does come to the end you have the option of just letting the policy expire or you can renew the policy annually.  Most people will opt to purchase a new policy at this point if they still need insurance as it will typically be cheaper, unless one has developed a significant health condition. Another […]

Term vs. Whole Life Insurance:  Deciding What’s Right for You

Guest post: Angie Picardo is a staff writer for NerdWallet, a website dedicated to helping consumers alleviate debt with the best balance transfer cards.   Term vs. Whole Life Insurance:  Deciding What’s Right for You No one wants to think about the potential of being without a spouse or loved one, but it is good to be prepared for the worst. Life insurance is one way to create a safety net for yourself or your family in case of untimely death. Whole Life Insurance Whole life insurance is a policy that remains in effect for the policy holder’s entire life. […]