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July 2013

How Much Life Insurance Can You Buy? There is a Limit

There is a Cap On The Total Amount of Life Insurance You Can Have in 2016 Many people are surprised when they learn there is a cap on the amount of life insurance any one person can own 2016.  There is a common thought that you can purchase as much life insurance as you would like as long as you can pay the premiums.  This is not the case.  It’s called financial underwriting.  The purpose of any insurance policy is to provide coverage to an insured in the event of a specified loss.  Insurance is meant to replace what you […]

2016-3 Best Life Insurance Companies for High Blood Pressure Medication

Best Life Insurance Companies if Being Treated for High Blood Pressure in 2016 In 2016, high blood pressure medications were one of America’s most prescribed drugs.  In fact, according to the CDC, as many as 1 in 3 adults in our country have hypertension.   With these statistics, I wanted to put together a list of the best companies for people taking high blood pressure medication to help them get the best rate and save money on their life insurance. How Life Insurance Companies View Blood Pressure Medication Out of the estimated 2,000 life insurance companies in the United States, almost […]

2017-The Top 10 Reasons You Must Have Life Insurance

Guest Post by: Toni Forsyth The Top 10 Reasons You Must Have Life Insurance in 2017   While it is not always easy to talk about life insurance, the fact remains that it does provide a positive impact on our families during the worst-case scenario of a death, and therefore is something that eventually all of us will have to consider. There are many factors to consider when contemplating taking out life insurance, and some of the most important include the following:   It is not easy to determine what might happen in the future.  You can never tell when […]

Life Insurance-

Actual Age vs. Nearest Age Explained for 2016 I have been doing insurance for many years and have done thousands and thousands of life insurance applications.  Every day this topic comes up because quite frankly, it doesn’t really make sense.    Most life insurance companies calculate your premium by using what is called the “nearest age” rule.  What this means is the insurance company will round up your age to the nearest birthday by 6 months.  You can also look at is they go by your half-birthday day- you know as you used to say when you were a kid.  Compare […]

best annuity companies 2013

Top 20 Companies for Annuities in 2016 The numbers for the top 20 companies for annuity sales for the 1st quarter 2013 have been released by LIMRA.  Total annuity sales declined six percent to $51.7 billion in the first quarter of 2013 compared to $55 billion the first quarter in 2012.  These top 20 companies accounted for 79% of total annuity sales for the industry.   Total Sales Q1-2013 ($ in thousands) Jackson National Life- $5,308,501 Prudential Annuities-$4,276,691 MetLife- $3,925,350 Lincoln Financial Group- $3,730,981 AIG Companies- 3,222,642 TIAA-CREF- 3,155,801 AXA Equitable- 2,200,184 Allianz Life of North America- 1,904,937 New York […]