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But my Term Life Insurance Quote was Much Lower
Okay, so it was suggested to you that you were in the best health class (Preferred Best) when you were shopping around for term life insurance quotes. You submitted an application and your policy was issued at Standard Plus (the … Continue reading
Will your Children Qualify for the Best Life Insurance Health Class?
I often speak of health issues when talking about life insurance. The topic of health is relevant to the subject of insurance, as your health has a direct effect on your risk of mortality and, therefore, on your life insurance … Continue reading
Two Ways to Save Money on your Life Insurance Premiums
Life insurance underwriters work off of actuarial tables, which catalog risk factors a life insurance applicant presents to the insurance company. The higher the risk of your dying prematurely, the more premium you’ll pay. It’s as simple as that. What … Continue reading
You Can’t Always Get What You Want…or Can You?
Life insurance underwriters go by the “book” for the most part. In the case of life insurance underwriting, the “book” is based on actuarial experience of many years. The underwriter lives and breathes by the “book” and establishes a health … Continue reading
A New Year’s Resolution – Lower my Life Insurance Premiums
Okay, you’ve done it again – as soon as the ball dropped in Times Square, you pulled out the pad and pen and wrote down your resolutions. Hopefully they’re not the same ones you made last year, as that would … Continue reading
Our Friends: Ryan and Megan
Megan and Ryan Collins are fictional characters created from stories we have heard from clients over the many years in the insurance business. This is one of those stories: When their first child, Emily, was born, Megan and Ryan Collins … Continue reading
The Cost of Waiting is Becoming More Expensive
The cost of life insurance, specifically term life insurance, has been at historic lows for the past several years. I believe that anyone who has secured term insurance, especially with terms of 20 and 30 years, has gotten a real … Continue reading