Richard Reich

The Best Life Insurance Quotes for People Over 50

Term Life Insurance Quotes Get term life insurance quotes in just a few clicks. No personal information required Get Quotes   Life Insurance for People Over 50 Although finding the best life insurance when you’re over 50 may be challenging, the …

30 Year Term Life Insurance: What It Is and How It Works

Reviewed by: Licensed Insurance Professional This content has been reviewed for accuracy and compliance with current insurance standards. What Is a 30-Year Term Life Insurance Policy and How Does It Work? A 30-year term life insurance policy provides …

Why Choose Joint Life Insurance?

A joint life insurance policy is an alternative for couples who would like to provide for each other if one of them passes away. Life insurance for couples and partners is an important component of financially supporting your spouse or partner and …

Best No Medical Exam Life Insurance Companies

Ask a hundred people if they want cheap life insurance and everyone raises their hand. Then ask that same hundred people if they’re ready to take a life insurance exam; crickets. Let’s talk about best no exam life insurance. Most …

Life Insurance Application Process | 2026 Update

The life insurance application process typically includes choosing coverage, completing an application, undergoing underwriting, taking a medical exam (if required), and receiving policy approval. Many insurers now offer no-exam life insurance with …

Life Insurance FAQ: 40+ Questions Answered by a 30-Year Broker

Life Insurance Basics What is life insurance? Life insurance is a legal contract between you and an insurance company. You agree to pay a premium — monthly, quarterly, or annually — and in return the insurance company agrees to pay a death benefit to …

Disability Insurance Policy Provisions

Disability Insurance Policy Provisions : Everything You Need to Know Before You Buy Last Updated July 7 2026 Protecting your income is just as important as protecting your health. This guide explains the most important disability insurance policy …

What is Residual Disability?

By Richard Reich | Independent Life Insurance Broker | CA License #0832938 | 30+ years specializing in impaired risk and high-risk Llife Insurance placements, along with Disability Insurance and Annuities.  The residual disability benefit is defined …

Ameritas Life Insurance Company

[et_pb_section fb_built=”1″ _builder_version=”4.4.2″ custom_padding=”0px|||||”][et_pb_row _builder_version=”4.4.2″][et_pb_column type=”4_4″ _builder_version=”4.4.2″][et_pb_text …