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Life Insurance 2012-2013---Which Compaines Are Offering The Best Rates

Every life insurance shopper is trying to find the best policy at the lowest price.  Unfortunately, too many life insurance consumers are currently paying much more for their life insurance policy than they need to.  A common theme I see when talking to people about life insurance is that they only contact one or two companies, and thus end up overpaying for a policy.  Countless Americans can either pay less money per month on their current policy or acquire much more coverage for the same price that they are paying now. Let’s look at an example using State Farm.  According […]

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Tips For The Life Insurance Blood Test As part of the application process, most life insurers are going to require a brief health screening.  The health screening, also referred to a a praamed exam, is done in the convenience of your home, office or a health facility.  It takes about 30 minutes and involves a certified health professional measuring your height, weight and taking a small blood and urine sample.  For some applicants, a resting EKG will be done as well. Follow the tips to ace your exam & save money! 1. Take your medical exam in the morning, if […]

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There is Better Pricing on Life Insurance in 2014 A common mistake people make when shopping for the best deal on life insurance is choosing the incorrect face amount.  Many of the top life insurance companies will have a cost-per-thousand price break or “bands” at certain levels.  For example, let’s look at 40 year old male at the Preferred Plus rate class with American General Life (AIG): $200k 20 year term would be $23.04 a month. $250k 20 year term would be $21.29 a month. As you can see, it is actually CHEAPER in this case to get the $250k […]

Post image for Lower Rates and Improved Guidelines for Buying Life Insurance with Hypertension 2012-2013

Purchasing Life Insurance While Taking Lisinopril or another High Blood Pressure Medication   Obtaining a great life insurance rate while being treated for hypertension just became easier.  Whether you are currently taking Lisinopril (Prinivil), Amlodipine besylate (Norvasc), a water pill or any other medication for hypertension you still may qualify for the best possible rate class.  Hypertension or (high blood pressure) is one of the most common health concerns I encounter when quoting someone for life insurance.  And Lisinopril (Prinivil) is one of America’s most prescribed medications and a common treatment for high blood pressure.  According to the CDC, as […]