life insurance

The Tough Stuff

There are times people call into the office, seeking life insurance coverage. They have no medical issues or pre-existing conditions, take no medication, and have a great build. Man, this makes my life easy! I type up a half million 20yr term policy (or whatever is requested), order an exam, and submit the application. In …

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How I saved someone over $100,000 on his life insurance

A few years ago I received a request for life coverage from an elderly gentleman. After meeting at his home and having been seated his immediate question was: “how much is this going to cost?” Without intending to resist the question I replied that I simply didn’t know without finding out about what he needed …

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Does a grade really matter?

People often are looking for a low price, but at the same time are leery about getting poor qualify. In the insurance world to help you know you are getting insured from a reliable, quality insurance company the carriers get graded by rating agencies. Some examples are Moodys, Standard and Poor’s, Fitch, and AM Best. …

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You are not alone

85% of consumers agree that most people need life insurance, but only 44% of US households own individual coverage. Of those that do, 40% believe they do not have enough. Why are so many going uninsured or underinsured? One of the biggest reasons is that people believe it is expensive or unaffordable. If this is …

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What is Mortgage Protection?

If you are a new homeowner or have recently refinanced, your lender or an insurance carrier may have approached you about Mortgage Protection Coverage. This is an often confusing product as the name itself is a bit misleading; it is not the actual mortgage that needs protection, but the home itself.

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