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4 Life insurance Policies That You Probably Shouldn’t Buy in 2017

Most of us know how important life insurance is.  Whether you have children who are dependent on you for all of life’s necessities or you are looking for a policy so your final expenses will not be a financial burden on those who you love, the importance of having the right life insurance policy cannot be overstated. Unfortunately, since the topic of life insurance isn’t the most pleasant subject to discuss, most shoppers are not properly educated on which policy would best fit their needs and why.  Who can you trust? Let’s be honest folks.  Life insurance agents are sales […]

How Long Does It Take for a Life Insurance Policy to Pay Out Money?

What is the Average Turnaround Time for a Life Insurance Policy to Payout the Claim Money 2016? One of the most common questions I receive regarding life insurance is “How long does it take for the life insurance company to payout the money if I passed away?”  This is very important because you don’t want your family to be left in financial limbo waiting for proceeds from your policy.  The initial period after an unexpected loss is stressful enough, you don’t need you family to be waiting around indefinitely for the life insurance money.  The reality is that the bills […]

2013 Top 5 Reasons Why ING Life Insurance Has Some of the Best Underwriting in America

Top 5 Reasons Why ING May Be the Right Life Insurance Company for You in 2014 Many of us are familiar with the company ING through their internet ING Direct savings accounts or their retirement investment accounts.  The famous orange lion and orange ball are ING’s distinct logos.  However, what many people are not aware of is the fact that ING ReliaStar Life Companies is one of the top 5 term life insurance companies in America.  What makes ING so competitive?   ING Life Companies allows your total cholesterol to reach up through 300 and remain eligible for the best […]

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 […]

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 […]

AIG (American General Life) Lowers Premium Rates On Term Insurance in 2016 Review

AIG (American General Life) Lowers Premium Rates On Term Insurance- Good Option for 2016 In an effort to remain more competitive in 2016, AIG-American General Life lowered the rates on their term life insurance.  AIG had raised their rates in 2012, but to regain market share, lowered them in the first quarter of 2013. How Competitive Is AIG? With the rate reduction, their premiums now rank among the best in the industry for certain segments, especially on coverage amounts of $500,000 and up, and on the 20 and 30-year term. Example: 44-year-old male, premier (preferred plus) health class, $500,0000 is […]