Height and Weight Guidelines for Life Insurance

Height and weight underwriting guidelines are important factors that life insurance companies use to help determine your rate class. These are guidelines and may differ among life insurance companies. The table is fairly generic, but gives a general idea of the...
Life Insurance Glossary

Life Insurance Glossary

Learning about life insurance can be a daunting task, especially if one doesn’t know the meaning of the specialized words, of which there are many. In this life insurance glossary, we have defined many of these terms used throughout this website and, perhaps in your...
Becoming Your Own Banker

Becoming Your Own Banker

What if you could be your own source of financing when the need arises instead of leaning on banks, finance and credit card companies? What if you could borrow against a life insurance policy and pay it back, instead of the bank? What if you could pay yourself back...
What is Insurable Interest?

What is Insurable Interest?

Insurable interest is one of those insurance terms that agents and companies throw around to consumers who typically don’t have a clue what it means. Why agents don’t immediately provide the meaning of insurable interest when they use it in a conversation with a...
Long Term Care Insurance | Is it Worth It?

Long Term Care Insurance | Is it Worth It?

When most people start aging into retirement years, it’s not unusual to have concerns about finances. Two questions that seem to keep a lot of people up at night are: If I DieIf I die unexpectedly, will there be enough money for my surviving loved ones? If I get...
Final Expense Insurance from Prosperity Life Group

Final Expense Insurance from Prosperity Life Group

This article continues in our series to provide reviews about final expense insurance from the various insurance companies we proudly represent. Final Expense Insurance also referred to as burial insurance and funeral insurance, has become very popular with seniors...
Final Expense Insurance from Foresters Life Insurance

Final Expense Insurance from Foresters Life Insurance

Foresters Financial Toll-free        800-828-1540 from 8 a.m. to 8 pm. ETEmail             service@foresters.com Regular or overnight mailForesters FinancialPO Box 179Buffalo, NY 14201 There are many reasons to purchase life insurance. Certainly, adults want to...
The Best Life Insurance Riders for Term Insurance

The Best Life Insurance Riders for Term Insurance

It is certainly no secret that term life insurance is the most affordable solution for replacing one’s income in the event of one’s death. It’s also no secret that younger and healthier adults can purchase a lot of coverage for about the price of a large pizza....
Life Insurance for Seniors in their 80s | Is it too Late?

Life Insurance for Seniors in their 80s | Is it too Late?

Is there a point in a senior’s life when they’re too old to buy life insurance? In our experience, we have found that 90 is the typical limit for purchasing life insurance but it is possible to buy life insurance after 90 but the cost of coverage is simply ridiculous....

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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.