Disability Insurance Policy Provisions

Disability Insurance Policy Provisions

Disability Policy Provisions A good disability policy will typically contain the following provisions, either built into the body of the policy or added as rider. When comparing policies from different companies, review the wording of these provisions, as they all do...
Estate Planning

Estate Planning

Answers to Fundamental Questions about Estate Planning Estate planning can be simply defined as the complete process of planning an estate. The components of a successful estate plan would include: Estate creation and conservation during the owner’s life; The...
The 4 Cardinal Rules of Smart Money Management

The 4 Cardinal Rules of Smart Money Management

Americans are getting better at making ends meet, according to the 2013 National Financial Capability Study, but they are lacking in savings and debt management skills. Less than half of Americans surveyed had emergency savings of three months’ income, and only a...
No Exam Life Insurance

No Exam Life Insurance

What Is No Exam Life Insurance?   If you need life insurance coverage quickly, No Exam life insurance is one of the quickest ways to get coverage without having to undergo a medical exam. These policies are often easy to obtain, are approved much quicker than...
Universal Life Insurance

Universal Life Insurance

Universal life insurance is a type of permanent life insurance. It allows for a greater degree of flexibility and often lower cost than whole life insurance, another popular type of permanent insurance. The policyholder’s flexibility extends to the amount of the...
Residual Disability

Residual Disability

The residual disability benefit is defined as the payout of partial disability benefits when an insured is partially disabled. The benefit is paid out on a temporary basis and is used to help the insured get back to work even if one or more job responsibilities cannot...
Ameritas Life Insurance Company

Ameritas Life Insurance Company

Ameritas Life Insurance Company 1876 Waycross Rd. P.O. Box 40888 Cincinnati, OH 45240 866-696-7478 Company Website: www.ameritas.com About Ameritas Life Insurance Company Ameritas Life Insurance Company, a UNIFI Company, offers life insurance, disability income...
Standard Insurance Company

Standard Insurance Company

  The Standard1100 SW Sixth AvenuePortland, Oregon 97204800.426.4332Company Website:  www.standard.com About Standard Insurance Company For more than 100 years, StanCorp Financial Group, Inc., through its subsidiaries marketed as The Standard — Standard Insurance...
Principal Life Insurance Company

Principal Life Insurance Company

The Principal Financial Group 711 High Street Des Moines, IA 50392-0001 800.986.3343 Company Website:  www.Principal.com About Principal Financial Group The Principal Financial Group (The Principal, Principal Life Insurance) is a leading global financial company...
Guardian Life Insurance Company

Guardian Life Insurance Company

Guardian Life Insurance Company 7 Hanover SquareH-26-ENew York, NY 10004212-598-8000Company Website:  www.guardianlife.com Founded in 1860, The Guardian Life Insurance Company of America, New York, NY (Guardian) is one of the largest mutual life insurance companies in...

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To get more information about purchasing life insurance with severe medical conditions, contact an insurance professional at LifeInsure.Com today at (866) 868-0099 during normal business hours, or you can contact us through our website 24/7.

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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.

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