Category Archives for Blog

Affordable Life Insurance with AFIB (Atrial Fibrillation) Guide

Life Insurance With AFib​Impact on  Underwriting Class:​Significant Standard rates possibleTable ratings likelyRate impact based on severity, frequency, follow up and levelof medication

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Affordable Life Insurance Rates with Sleep Apnea Guide

Life Insurance With Sleep Apnea Impact on  Underwriting Class:Significant Preferred Rates Possible​Rate impact based on severity detected by sleep study, CPAPcompliance, follow up 

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How To Choose Term Insurance

If you are in the market currently or are simply researching how to get the best term insurance plan for your family, you have landed in a good spot. This article will provide an overview of the issues you

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Life Insurance Table Ratings…What You Must Know

Life Insurance Table Ratings            "Takeaways"​​Table ratings are based on the severity of the health condition​Each Table Represents 25% increase in

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2018 Life Insurance Buyer’s Guide

by James P. Tobin, CFP Note: This life insurance buyers guide is made available by  the Life Insurance Help Desk , an independent alternative to the 1-800 call centers and “captive”

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The Preferred Best Project Recipe Page

If you are following the progress of the Preferred Beet Project  and are interested in the food choices I am using, you have come to the right place. In addition to linking to a daily food log, this

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The Ins and Outs of Private Lab Work – The Preferred Best Project

If you are considering , or just curious about getting private lab work done, you have landed in a good place. This article will detail how the Preferred Best Project will be using private lab work to

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The Preferred Best Project – The Starting Point

You have arrived at the starting point for the Preferred Best Project. If you have watched the animated video trailer (i'm told I look a little like George Jetson!), or read the accompanying post,

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Preferred Best Project Lab Results – Understanding The Secret Sauce Underwriting

Do you know the recipe of secret sauce underwriting? If not, don't be alarmed. After all, it's different everywhere.Let me explain....If you have ever watched a crime drama on television, you have heard

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The “Preferred Best” Project – Guide to Better Health (and Life Insurance Rates)

So, why are you here?If that seems an odd question from a blog that desires visitors, well, it is.  However, interest in the Preferred Best Project comes in many forms and it helps to know yours.While

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Preferred Best Project Life Insurance Lab Results

If you'd like a better understanding of the life insurance lab results that are documented in the "Preferred Best" project, you have come to the right place. Below we will discuss what are considered

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Geico life Insurance Review …What You Need to Know.

If you have been shopping for home and auto insurance with GEICO and you were offered GEICO term life insurance and and wanted to do some research first, you have landed in a good spot. This GEICO life

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Credit Union Life Insurance Review …What You Need to Know

If you have been considering buying life insurance from your local Credit Union branch and wanted to do some research first, you have landed in a good spot. This credit union life insurance review

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Bank of America Life Insurance Review

Bank of America Life Insurance ReviewBy Jim Tobin, CFP BANKofAMERICALife Insurabce Help Desk RatingBank of America does Not Offer Proprietary Life Insurance Productslimited Life Insurance Options Brokered

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Citibank Life Insurance Review with Alternatives to Bank Employee Advisors

Citibank Life Insurance ReviewBy Jim Tobin, CFP citi​Life Insurabce Help Desk RatingCiiti Bank does Not Offer Proprietary Life Insurance ProductsLimited Life Insurance Options Brokered Through Citi 

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Best 1 Million Dollar Term Life Insurance Policy

If you are, researching, or in the market for a 1 million dollar term life insurance policy, you are in the right place. This article will discuss pricing and financial ratings at major insurers, underwriting

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Life Insurance for a Pot Smoker…Everything You Need To Know

​Whether or not  you use marijuana for medicinal or recreational purposes, there is a strong chance you work or socialize with someone who does.The combination of a changing political landscape

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Is Universal Life Insurance A Scam? Everything You Need To Know

UNIVERSAL LIFE INSURANCE SCAM                   "Article Takeaways"​Universal Life is designed as apermanent policyCash value is built by investingoverpayments

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No Agent for Life Insurance Policy- It’s Referred to as an “Orphan”

What is a No Agent Life Insurance Policy?Having spent considerable time in my early career courting no agent life insurance policy owners,or so called policy "orphans", I can attest that there are

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