The Cost Of (Life) Insurance After 20+ years of life insurance rates going down, the chaos of the last 3 months appears to have put an end to the trend. The cost of insurance is primarily comprised of two variables, mortality experience and interest rates. Both of...
Quotacy Life Insurance Reviews: Bait And Switch A La Carte!
A la carte means you get what you want and Quotacy is one of the stand out life insurance quote offerings that gives it to you – not the way it really is, but the way you want it. They have taken the art of life insurance bait and switch to its simplest and most...Beat To Death With Life Insurance Sales
There is the very real possibility that if you ask for a life insurance quote on line that you may get a call within seconds, seriously within seconds, of hitting the “Get a Quote” button. The on line life insurance quote game. I was looking into the life...Key Person Business Life Insurance
For the next few weeks I am going to pick apart and try to make sense of business life insurance in all of its’ different forms. Just like personal life insurance, business life insurance is meant to take the burden off of a company in the same way that personal...Will Your BNP Result In A Life Insurance Decline?
So, BNP (natriuretic peptide). What the heck is it? In layman’s terms (so I can understand it), BNP is a protein release by the heart that could indicate congestive heart failure. But listen up all of you life insurance underwriters……It could mean...Don’t Make The Wrong Choice With Life Insurance After Age 50
Here I go again busting another urban myth propagated by life insurance companies and organizations that people over age 50 should quit taking life insurance exams and start turning to smaller, over priced life insurance policies. Honestly in the feeble minds of...Did Your Doctor Really Say That?
If the Wall St Journal was doing an article on life insurance applications and how underwriters interpret your medical records they would have their hands full. Without exaggerating most medical records contain errors and ambiguous notes. To be fair to the...Great Life Insurance Deals You Haven’t Heard About!
It’s what we’re all looking for when we finally get around to the task of acquiring life insurance, a great deal. For each of us that can be defined differently. For many of my clients just finding a company that will approve a life insurance policy is a...Huge Life Insurance Meltdown!
The Wall Street Journal recently posted an article titled, “Universal Life Insurance, a 1980s Sensation, Has Backfired”. Now I have become keenly aware over the years that very few people really take my blog to heart unless the run into a post that is an...US Companies Hit All Time Low With Foreign National Life Insurance!
I am still shaking my head over the news I got today from the last bastion of reasonable foreign national life insurance underwriting. Most US life insurance companies had gone south in this niche a few years ago, heading their life insurance guidelines for foreign...Major Breakthrough Foreign National Life Insurance
The picture keeps getting brighter for the four categories of international and foreign national life insurance. The first is Americans living abroad, whether ex-patriots, missionaries or retirees. The second is foreign nationals living in the US who are still...Business Life Insurance With HIV
Having just placed a $9 million business life insurance key man policy, I can tell you that the welcome mat is out for those in business or for personal needs who have well controlled HIV. It’s no secret that being HIV+ has changed medically with, in many cases,...US Life Insurance For Foreign Nationals!
As requirements grow tighter with most US based life insurance companies we have one carrier who goes above and beyond to meet the life insurance needs of those who reside outside the United States, whether foreign nationals or ex-patriots. Virtually all other US life...Where Are The Best Prices On Life Insurance?
They aren’t hiding in plain sight! They aren’t where you would expect to find them with the super giant on line life insurance agencies like Selectquote or Reliaquote. Selectquote says on their website that, “You’re just a few steps away from...The New World Of Life Insurance
To say that the nature, the underwriting and the life insurance products have changed and changed remarkably over the last 10 years is an understatement. There is the old world of life insurance and now we are really, truly living in a new world and customers, both...The Hinerman Group
My 20 years of experience give me the knowledge and leverage to find reasonably-priced life insurance for people who have been declined or are paying more than they need to. Request a Free Consultation Today!
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