11 Best No Exam Life Insurance Companies for 2020-2021

11 Best No Exam Life Insurance Companies for 2020-2021

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 insurance professionals agree...
Life Insurance Application Process

Life Insurance Application Process

The five step application process listed below is fairly standard throughout the life insurance industry. However, we have streamlined the life insurance application process to make it as hassle-free as possible for our clients. We understand how important this...
What to Do When Your Term Life Insurance Policy Runs Out

What to Do When Your Term Life Insurance Policy Runs Out

Would it be important to you to know exactly what happens when your term life insurance expires? How about if you outlive the policy term? There are many experts who suggest that you won’t need life insurance longer than a 20-year term. They reason being that if your...
6 Key Factors That Can Affect Life Insurance Costs

6 Key Factors That Can Affect Life Insurance Costs

  Want to get life insurance? Want to protect your loved ones financially? Want to get the lowest life insurance costs out there without breaking the bank? Well, all of these questions are understandable. In fact, understanding how life insurance works and what...
Level Term Life Insurance: What It Is and How It Works

Level Term Life Insurance: What It Is and How It Works

Certainly, most people will agree that Level Term Life insurance is likely the most popular because you can purchase a lot of life insurance at a very low cost. Yes, whole life insurance has been around much longer, but when it comes to financial needs like replacing...
Life Insurance with Living Benefits in 2020

Life Insurance with Living Benefits in 2020

One of the biggest reasons for consumers to purchase life insurance is so that they are able to leave behind some financial security for their beneficiaries after they have passed away.  However, sometimes traditional life insurance does not cover all of the financial...

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Richard Reich

CEO - Licensed Agent

Richard Reich CEO and Licensed agent

In my 20+ years as an independent life and disability insurance broker, I have personally assisted thousands of clients with their life and disability insurance needs.  Being independent, I represent many highly-rated insurance companies and, because I am not beholden to any one insurance company, my focus is to find the right company and policy for each individual client. I believe that when people shop for insurance (or anything else, for that matter) on the Internet, they are looking for a simple, non-intrusive, non-pressure method of doing so.  I strive to treat my prospective clients with the utmost respect and I believe an educated prospect can make the right decision without sales pressure. Please feel free to contact me at your convenience.