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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 […]

Post image for What does the 4506T-EZ Form Have to do With My Life Insurance Application?

The 4506T-EZ Form and My Life Insurance Application Some life insurance companies are now requiring the 4506T-EZ (Short Form Request for Individual Tax Return Transcript) IRS form to be completed as part of the life insurance application.  One company for instance, is requiring all applicants over the age of 26 complete the 4506T-EZ IRS form, while another company is requiring that the form be completed for applicants applying for certain face amounts and or if you are over a certain age and face amount.  While the implementation of the 4506T-EZ may be a new practice in life insurance underwriting, it […]

Post image for Can I get life insurance if I had coronary artery disease, a heart attack, angioplasty and multiple stents?

Yes!  You may be still be eligible for life insurance even if you have had coronary artery disease, (CAD) heart attack, angioplasty, and stents in the past.  Most likely you’re going to be table rated, even though you may be in better health now then you were when you had the heart attack.  The rate that the life insurance company is going offer with these health concerns will depend on many factors including, but not limited to, the number of vessels affected by the coronary artery disease and the actual vessel affected.  For example, a recent client had these health […]

Post image for Should You Buy Your Life Insurance at Walmart?

Walmart Life Insurance Review The largest retailer in the world has recently announced they are selling life insurance policies to certain stores in Georgia and South Carolina.  The policies will be handled by MetLife and will consist of one-year prepaid life insurance policies ranging from $10k to $25k depending on age and how much coverage you are seeking. Walmart customers simply purchase a prepaid card at the store and call a toll free number provided by MetLife to activate the life insurance policy. This may be an easy alternative for consumers looking to purchase a small amount of life insurance […]