Understanding Life Insurance Health Classes - Risk Classifications - Underwriting Guidelines
Pro Tips + Basics

Health Classes – Risk Classifications – Underwriting Guidelines

Pro Tips + Basics

101 Tactics to Save You Money on Life Insurance – Even if You Already Have a Policy

5 Key Factors to Consider Before Choosing The Best Life Insurance for You
Curated Content Pro Tips + Basics

5 Key Factors: Choosing The Best Life Insurance for You

"Term Life Conversion" is a lesser known Life Insurance policy feature, that should NOT be overlooked... Especially during Covid-19! During such uncertain times, purchasing a term life insurance policy —with no or a limited conversion feature— is taking a big gamble, when it comes to being able to keep your life insurance policy if you get sick. 
Pro Tips + Basics

Term Life Conversion – Policy Feature Not To Overlook! [Covid-19]

Pro Tips + Basics

Do You Need to Fill The Gap with More Life Insurance?

New Study from the Society of Actuaries Research Institute Identifies Younger Generations' Perceptions on Insurance
Curated Content

What Younger Consumers Want from Insurance [New Study]

TruStage life insurance is easy to buy, but it's expensive. If you are considering TruStage for your life insurance purchase, you should keep shopping around. You can find companies that are just as easy to buy from but with much better prices.
Pricing + Comparisons

TruStage Life Insurance – Pricing – Sample Quotes

Corebridge Financial continues to separate from AIG, seeing higher fixed annuity surrenders during Q1 earnings, but also even higher sales.
Curated Content

Corebridge Sees Higher Surrenders. But Stronger Sales Too [Q1 Earnings]

Universal Life Insurance policies offer an "unbundled approach". Increased flexibility. Cash value withdrawals. Free quotes. Compare rates.
Products + Policies

Universal Life Insurance – Increased Flexibility – Cash Value Withdrawals

Younger Life Applicants Had a Busy April. Over 50: Not So Much!
Curated Content

Younger Life Applicants Had a Busy April. Over 50: Not

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Preferred Best Non Smoker Rates for Medical Marijuana
Pro Tips + Basics

Preferred Best Non Smoker Rates for Medical Marijuana

Life Insurance Riders are used to enhance the coverage that your base policy offers. Some are included. Others cost extra. Reach out for help!
Pro Tips + Basics

Life Insurance Riders – What’s Included? What’s Extra?

Pro Tips + Basics

101 Tactics to Save You Money on Life Insurance – Even if You Already Have

US Life Expectancy Statistics by Gender, State and Disease. Covid 19. Statistical estimation of how long we live, based on several factors...
Pro Tips + Basics

[TrueData!] US Life Expectancy 2022 – Statistics

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Agency Reviews

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Haven Life Increases Maximum Coverage Amount to $3 Million
Agency Reviews

Haven Unveils “Life Plus Rider” – Increases Coverage to $3 Million

Agency Reviews

Lemonade Life Insurance Review – Pros & Cons – FAQs

Agency Reviews

Ethos Life Insurance Review – Pros & Cons – FAQs

Fabric Life Insurance products are best for young, healthy couples just starting out.  With term life your temporary needs are covered, if you qualify. However, it is unlikely you will be approved, if you are not in perfect health.  We can help you get quotes from multiple carriers that are more suited to your health profile.
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Fabric Life Insurance Review – Pros & Cons – FAQs

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Company Reviews

Banner Life Insurance Review – Pros & Cons – FAQs

Transamerica Life Insurance Company is a leader in the life insurance industry.  They offer a variety of competitively priced life insurance products that you can count on to protect your loved ones if you die. 
Company Reviews

Transamerica Life Insurance Review – Pros & Cons – FAQs

In this Review of CMFG Life Insurance, we will cover everything you need to know about CMFG and show you sample rates.
Company Reviews

CMFG Life Insurance Review – Pros & Cons – FAQs

Learn about Prudential Life Insurance underwriting guidelines, how they issue policies, how to get an online quote and how to keep your premium costs down.
Company Reviews

Prudential Life Insurance Review – Pros & Cons – FAQs

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Guaranteed $500,000 payout at the same level premium rates for 20 years. Low cost way to provide a $500,000 payout to beneficiaries. No need to worry about costs increasing over 20 years due age or health issues. Life Insurance payouts are income tax free to the beneficiary.
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$500,000 20 Year Term Life Insurance Policy

Guaranteed $1,000,000 payout at the same level premium rates for 20 years. Low cost way to provide a $1,000,000 payout to beneficiaries. No need to worry about costs increasing over 20 years due age or health issues. Life Insurance payouts are income tax free to the beneficiary.
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$1,000,000 20 Year Term Life Insurance Policy

Surfing for Life Insurance? Lost in a Sea of Options? How Do You Decide Who You Want To Work With? Find someone you can trust! Even though our prices are all the same, the buying experience can differ greatly!
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Save Time. Save Money. Get Options.

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[Insider Tips!] Comparing $50k to $100k Life Insurance Coverage

Don’t Be Fooled! The Exact Cost of Your Life Insurance Depends on Only 3 Variables— No Matter Where You Buy! How much life insurance (the coverage or “face” amount) When does the policy expire (the term) Which health class you are approved at (preferred, standard, etc.)
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Shopping for Life Insurance. The 3 Variables.

Agents who have worked in SelectQuote’s call center say they were held to a quota to close “5 Life Insurance Applications PER DAY”. That’s 1,200 in a year!!! How can the representatives keep up with that pace and provide excellent service??? They can’t!!!
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You Are Not a Number. We Are Not a Call Center.

Guaranteed $250,000 payout at the same level premium rates for 20 years . Low cost way to provide a $250,000 payout to beneficiaries. No need to worry about costs increasing over 20 years due age or health issues. Life Insurance payouts are income tax free to the beneficiary.
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$250,000 20 Year Term Life Insurance Policy

Products + Policies

Products + Policies

No Medical Exam Life Insurance – Companies – Eligibility

If you qualify, you can get Life Insurance from these Companies, without a Medical Exam. You will need.

Final expense or guaranteed issue life insurance are policies generally less than $25,000.  They are meant to provide liquidity to pay for things like a funeral.  There are no medical exams or questions.  Everyone can qualify, BUT the policy only pays a death benefit if you die after the second year.  If you die in the first two years of the policy, the company only returns your premium plus interest.
Products + Policies

Final Expense Insurance – Rates – Warnings

Final Expense Insurance is meant to pay for "end-of-life costs" (like your funeral). No Medical Exam. No Health.

Whole life insurance is the only type of life insurance containing the guarantee that it will be in force when you die, provided premiums are paid as required. Whole life insurance is permanent insurance designed to be in force for a long time.
Products + Policies

Whole Life Insurance – Definitions – Pros & Cons

Whole Life is the only type of Life Insurance with the Guarantee it will be 'in force' when.

Universal Life Insurance policies offer an "unbundled approach". Increased flexibility. Cash value withdrawals. Free quotes. Compare rates.
Products + Policies

Universal Life Insurance – Increased Flexibility – Cash Value Withdrawals

Universal Life Insurance policies offer an "unbundled approach". Increased flexibility. Cash value withdrawals. Free quotes. Compare rates.

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Underwriting Guidelines

Underwiting Guidelines

Protective Life – Sample Underwriting Guidelines

Banner Life - Underwriting Guidelines
Underwiting Guidelines

Banner Life – Sample Underwriting Guidelines

AIG Life & Retirement is now Corebridge Financial. For the most up to date details about American General Life Health Classes & Underwriting Guidelines, Call: (888) 681-4952
Underwiting Guidelines

American General Life – Sample Underwriting Guidelines

Underwiting Guidelines

North American Life – Sample Underwriting Guidelines

Underwiting Guidelines

MetLife – Sample Underwriting Guidelines

For the most up to date details about Lincoln National Life Insurance Health Classes & Underwriting Guidelines, Call: (888) 681-4952
Underwiting Guidelines

Lincoln National Life – Sample Underwriting Guidelines

Voya Financial (ING) Life - Underwriting Guidelines
Underwiting Guidelines

Voya – ING – Sample Underwriting Guidelines

For the most up to date details about Prudential Life Health Classes & Underwriting Guidelines, Call: (888) 681-4952
Underwiting Guidelines

Prudential Life – Sample Underwriting Guidelines

Underwiting Guidelines

Transamerica Life – Sample Underwriting Guidelines

Underwiting Guidelines

Minnesota Life – Sample Underwriting Guidelines

Underwiting Guidelines

Principal National Life – Sample Underwriting Guidelines

Pricing + Comparisons

If you are in the market for term or guaranteed universal life insurance, make sure you take a look at Protective Life. Usually in the Top 5, Protective Life has some of the best prices in the market and should be always be included as an option.
Pricing + Comparisons

Protective Life Insurance – Pricing – Sample Quotes

$1MIL 30YR TERM LIFE INSURANCE: HAVEN VS LADDER VS BESTOW VS ETHOS VS FABRIC VS SAGICOR
Pricing + Comparisons

$1 Million – 30 Year Term Life – D2C – Cost Comparisons

$100k 10YR TERM LIFE INSURANCE: HAVEN VS LADDER VS BESTOW VS ETHOS VS FABRIC VS SAGICOR. Review sample quotes. Compare rates.
Pricing + Comparisons

$100k – 10 Year Term Life – D2C – Cost Comparisons

$250k 30YR TERM LIFE INSURANCE: HAVEN VS LADDER VS BESTOW VS ETHOS VS FABRIC VS SAGICOR. Review sample quotes. Compare rates.
Pricing + Comparisons

$250k – 30 Year Term Life – D2C – Cost Comparisons

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Life Insurance Reviews Online. Compare Rates. Top Companies. Frequently Asked Questions. Free Quotes. Straight Answers. No Pressure, Ever.

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THE 3 VARIABLES THAT DETERMINE THE EXACT COST OF YOUR LIFE INSURANCE POLICY

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