Term Life Insurance for Life

I just spoke to a 68 year old gentleman who was looking for a 30 year term life insurance policy. At his age, there aren’t any companies that would issue a term policy for 30 years, so we looked at a 20 year term policy with a $1,000,000 death benefit. If...
When Instant Term Life Insurance Quotes aren’t so Instant

When Instant Term Life Insurance Quotes aren’t so Instant

I received an advertisement email yesterday offering Instant Term Life Insurance Quotes. Being that our company, LifeInsure.com, is in the business of marketing and selling life insurance online, I thought I’d take a look at how one of our competitors was doing...
Life Insurance Quotes and your Time

Life Insurance Quotes and your Time

What does time have to do with life insurance quotes and how does saving time save you money? Have you ever considered what your free time’s worth? I usually do when my wife wants me to drive a long way to go to some store that’s having an “amazing...
The 19 Things you Probably Didn’t Know about Death

The 19 Things you Probably Didn’t Know about Death

1. After being decapitated, the average person remains conscious for an additional 15-20 seconds. Talk about a way to go. 2. Mourning your dear departed cat? You could shave your eyebrows like the ancient Egyptians used to. Then again, maybe a trip to the pet cemetery...

Factors to Consider When Purchasing a Life Insurance Policy

Insurance Company Financial Strength Whether you are purchasing term insurance, return of premium life insurance, whole life, universal life or survivorship life insurance, one of the most important issues to consider is the financial strength of the company...
Life Insurance Trusts

Life Insurance Trusts

Reduce Estate Tax Liability with Life Insurance Trusts   Are you’re wondering if life insurance trusts are a good idea? Depending on your financial situation and the manner in which your life insurance policy is structured, setting up a trust may be in your...

Estate Planning – Other Steps

You also should be aware of the other procedures involved in estate settlement. Here’s a quick review of some of them. Your attorney, as well as other estate planning professionals, can provide more details. Transferring property When thinking about transferring...

It’s a Wonderful Life…Insurance Policy

I recently watched the fabulous movie It’s a Wonderful Life for the umpteenth time. I must admit it gets me every time I watch it. With my apologies to Frank Capra, here’s another version of the movie: George Bailey has spent his entire life helping the...
Backing the Hearse up to the Door

Backing the Hearse up to the Door

  There’s an old-school method of selling life insurance called backing the hearse up to the door. Using this method, a life insurance salesman vividly paints a picture of what life would be like if the family’s breadwinner were to die before his/her...

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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.