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April 2013

best time to get-purchase life insurance

When to Consider Life Insurance   Guest post by: John Gower a writer for NerdWallet, a website dedicated to helping consumers compare CD rates, checking accounts, credit cards and more. Deciding whether or not you should purchase life insurance can be a difficult process, especially as a younger adult. In certain situations, life insurance can be a very useful financial tool. In others, however, it may not be the best option for yourself or your family. Consider the following life situations when reviewing the benefits of a life insurance policy. You have a family Life insurance gives you the opportunity […]

Best Life insurance for 31,32,33,34,35 year old

Life Insurance for a 30-35  Year Old 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 confused on which way to go.  This article will simplify life insurance, from the difference between term vs. whole life, how much coverage you should have, and how to find the lowest rates-all very quickly.  Term vs. Whole life insurance Deciding on which type of policy you need is very important.  Far too often buyers are persuaded into buying […]

Life Insurance Application Questions

Typical Life Insurance Application Questions You Can Expect TheLifeInsuranceInsider.com is about education and transparency.  Since life insurance is a purchase you will only have to make once or a few times in your lifetime, the buying process is somewhat still of a mystery to most people. One of the most common questions new buyers have is; what kind of questions will the insurance company ask?  To better answer this, a sample application is provided below. (Every company does have their own application.)   GENERAL QUESTIONS   1. Will the insurance applied for replace or change any existing insurance or annuity? […]

Best Life Insurance Companies for 2016

2016 – Top 10 Life Insurance Companies Life insurance helps you provide for your loved ones in the event of your death.  A life insurance contract can enable you to continue providing for your dependents in the event of your passing.  It can pay off debts, such as a mortgage, cover daily living expenses for your family, provide for your children’s education and well as cover the costs of your funeral.  When navigating through the life insurance buying process, it is important to choose a company that will not only provide you with a low rate but also that will […]

2013-top 5 life insurance companies

2016-Top 5 Life Insurance Companies in America When shopping for the best life insurance company, there are a few factors that you should consider before deciding to go with a particular company.   Price of course is one of the largest determinants of which company you will choose, but you should also consider other matters before moving forward with a company.  In the end, the purpose of life insurance coverage is to protect your family if the event of an unexpected tragedy, and you need to know that the policy will pay out if you were not here.  Here are some […]

Ulcer (Peptic Ulcer) Life Insurance

Will An Ulcer (Peptic Ulcer) Affect Life Insurance Underwriting? Peptic Ulcer- is an erosion of the lining of the stomach or duodenum-the first part of the small intestine. Due to the location, peptic ulcers can be very painful. Underwriting factors *What medications are being taking for the peptic ulcer? *Any gastrointestinal bleeding? *Condition of the ulcer? *Date of diagnosis? *Have you ever been hospitalized for the ulcer? *What was the result of your most recent doctor’s visit? Common medications for treatment of a peptic ulcer Antacids, antibiotics, Aciphex, Amoxil, Axid, Carafate, Dispermox, Flagyl, Kapidex, Maalox, Metozok, Mylanta, Nexium, Pepcid, Prevacid, […]

Best rated life insurance companies 2013 in America

Best Rated Life Insurance Companies in America 2014 When shopping for a life insurance company in 2014, you only want purchase a policy from a trusted carrier that is financially stable and will be around for a long time in the future.  You need the surety that if you were to pass, the company will not have any trouble paying out the claim in a prompt manner.  So how can you quickly and easily determine this?  The answer is a company’s A.M Best financial rating.  What is A.M. Best? Founded in 1899, A.M. Best is the premier resource and gold […]

The 10 Worst Life Insurance Companies 2013

Here are the 10 lowest ranked life insurers in America (by Comdex Ranking) Recently I posted a list of the best life insurance companies America by admitted assets which has been well received so far.  After reading the list, a few people have asked me out of curiosity “so who are the worst life insurance companies?”  That got me wondering as well.  Since there are many different ways an insurance company can be evaluated, (i.e. admitted assets, amount issued, customer service, etc.)  for the purposes of this list, the Comdex ranking was used. What is a Comdex Ranking? Comdex actually […]

life insurance with and without medical exam 2013 male female

Life Insurance With And Without Medical Exam   Guest Post: Robert J Hardy Life insurance is one of the most important financial investments of an individual’s life. It provides tax-free benefits to your loved ones that can help you pay off debts, funeral expenses and other costs associated with needs of your loved ones. These are imperative aspects of your financial plans and it is important to choose an appropriate life insurance policy for yourself. Most life insurance policy buyers need to go for a medical examination so that their medical condition can be ascertained. If however, the idea of […]

$50,000 ($50k) Life Insurance

$50,000 ($50k) Life Insurance I’ve been receiving a lot of requests recently for a $50,000 term life insurance policy. Today, I want to address some misconceptions and problems with choosing this amount of coverage and recommend a better idea. When I ask a potential client “how much life insurance are you looking for,” I often hear “$50k.” Seems like a good amount, right? This will take care of final expenses, which are approximately $7k to $20k, pay off some bills and leave a little money for the kids or grand-kids. However, due to life insurance price bands and your needs, […]

Life Insurance for Senior Diabetics

Life Insurance for Senior Diabetics Great news for those Seniors who were diagnosed as being diabetic and need life insurance.  A very well-known life company recently updated their underwriting guidelines to allow obtaining life insurance with diabetes easier and the rates are now a lot more affordable.  Many Senior diabetics can actually qualify for a non-diabetic rate!  Yes, you can receive the standard rating which is the same health class that the average American receives. How Do I Qualify? Age 50-59 For seniors who are over the age of 50 and have been diagnosed with diabetes within the past 15 […]

State Farm vs Farmers vs Banner Life vs AIG vs MetLife 2013

How Does State Farm & Farmers Insurance Group Compare? If you watched TV recently you’ve probably seen a Farmers or State Farm insurance commercial.  You know the ones, Farmers has the jingle, “We are Farmers! Bum ba-dum bum bum bum bum” and State Farm “Like a good neighbor, State Farm is there.”  These ads are catchy and hard to miss but how do their rates actually stack up to the competition? Farmers Life and State Farm Are Often Really Expensive From my experience, Farmers Insurance Group and State Farm are usually not too competitive with their life insurance rates and […]