Category Archives for Life Insurance Basics

The Cost of Life Insurance…and How To Save Big $$$

Are you interested in protecting your family but wonder about the cost of life insurance? Asking "How much will life insurance cost me"?If so, you have landed in a good place. This article will discuss

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Getting the Best Deal : Case Studies

If you are like me, anytime you are told that you will save money by taking a certain action, your initial instinct, voiced or not, is “prove it!” It is in this vein that, through case studies,

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The 5 Most Common Mistakes People Make Buying Life Insurance and How to Avoid Them

Most Common Mistakes 1. Lying to Agent about Medical /Driving History2. Choosing Permanent Insurance for a Temporary Need.3. Relying on Life Insurance Provided Through Employer4. Not Using an Independent

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Understanding the Medical Information Bureau…Everything You Need To Know

The Medical information Bureau or M.I.B., as it is known in the life insurance industry,  sounds like a government organization right out of George Orwell's 1984. While not a government agency,

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Life Insurance Underwriting

If you are trying to figure out how long the underwriting process will take for life insurance, you have landed in a good place. This article about Life insurance underwriting time, will discuss average

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Different Kinds of Life Insurance

So, you are constantly reminded by the television, radio, and your spouse that you need life insurance, but what kind you wonder? You can see the differences using the quick navigation links or just keep

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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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Attending Physician Statement For Life Insurance….What You Must Know

ATTENDING PHYSICIANS STATEMENT                   "Article Takeaways"​​What details are on the APS,How to speed up the process,How to avoid the

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Burial Insurance

If you are up in years or in poor health and concerned that your family will be burdened by your burial expenses, then simplified issue final expense insurance may be for you. Final expense life

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Are Online Life insurance Quotes Really Accurate?

If you have ever (or often) wondered whether online life insurance quotes are really accurate, you have landed in a good spot. This article discusses the pro's and con's of  online quote tools and

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Life Insurance With No Exam

"Getting life insurance with no medical exam", if you listen to the  radio or watch television,  you've seen or heard  the commercials. It is impossible to miss them.So what is no medical

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The Application Process

Application Process Links Step 1. Choosing TermsStep 2. Get Pricing OptionsStep 3. Picking a Carriers Quote​Step 4. Submitting the ApplicationStep 5. The Life Insurance ExamStep 6.  Awaiting Underwriting

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What are Life Insurance Conversion Rights…Everything You Need to know

Life Insurance Conversion RightsConversion is to a permanent policy.​​No medical exam is required, yourterm policy medical class transfers.Your conversion rights are spelledout in your term

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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 Benefits of Life Insurance …Everything You Want to Know

If you are interested in learning the benefits of life insurance, you have landed in a good spot. This article will address the many benefits of life insurance (and a few potential drawbacks). Please

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Choosing a Life Insurance Quote

​If you are wondering if there is more to choosing a life insurance quote than clicking on the carrier with the lowest monthly cost, you are in the right place. This article will run you through the

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Is Whole Life Insurance a Smart Choice?…Get the Best Deal

Application Process Links ​What is Whole Life Insurance?​Is Whole Life Insurance a Smart Choice?What are the positive Attributes of Whole Life? What are the Negative Attributes of Whole Life

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The Limits to Employer Sponsored Group Life Insurance Plans

If you are considering taking out group life insurance through your place of employment, or are considering purchasing life insurance to supplement your group life insurance plan, you have landed in a

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20 Year Term Life Insurance Review

If you are in the market for a 20 year term life insurance policy or simply want to research your options, you have landed in a good spot to do so. This article will run through the top rated life insurance

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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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Allstate Life Insurance Review…What You Need to Know

If you have been considering buying life insurance from your local Allstate office and wanted to do some research first, you have landed in a good spot. This Allstate life insurance review will address,

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What’s Involved in Taking a Medical Exam for Life Insurance?

If you are curious about what is involved in a  medical exam for life insurance, you are in the right place. This article will discuss whats involved, what they will be looking for, how long it will

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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 Bank of America does NOT offerproprietary life insurance productsLimited life Insurance optionsbrokered through Bank of America "personal banker" relationship.Not

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Citibank Life Insurance Review with Alternatives to Bank Employee Advisors

CitiBank Life Insurance CitiBank does NOT offerproprietary life insurance productsReview: Policy options available through CitiBank, pricing,customer service, the available alterinitives.

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Getting The Best 2 Million Dollar Term Life Policy..What You Need to Know

Best $2000000 Term Life Policy              "Article Takeaways"Consider the financial strength of the carriers you are considering.Make sure you use the carrier

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Wells Fargo Life Insurance Review…What You Need To Know

Wells FargoLife Insurance Wells Fargo does NOT offerproprietary life insurance productsReview: Policy options available through Wells Fargo, pricing,customer service, the available alterinitives.

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Chase Life Insurance Options – Should You Buy Insurance From Your Banker?

CHASE LIFE INSURANCE Chase does NOT offerproprietary life insurance productsReview: Policy options available through Chase, pricing,customer service, the available alterinitives. If

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The Best $500000 Term Life Insurance Policy

If you are, in the market, or researching the best $500000 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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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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Banner Life Insurance Review

Banner Life Insurance Company ReviewBy Jim Tobin | Last Updated 11/22/2018LIHD Star Rating  A.M. BestFitch​Moody's​S&P​B+BB-​N​/​ABB- Show Quotes Now Carrier Highlights1.

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SBLI Life Insurance Review

   SBLI Life Insurance Company                 "Carrier Highlights"Known for speedy "accelerated"underwriting programsCompetitive pricing for term

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Lincoln Financial Life Insurance Review

Lincoln Financial Group Life Insurance "Carrier Takeaways"​Underwriting niches: breast & prostate cancer, cigar smokers,lenient on build for seniors, aggressive U/W for larger faceamounts

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Protective Life Insurance Review

Banner Life InsuranceCompany Highlights  Aggressive Pricing of Health Risks Lenient on Weight/Build Discount For Annuity Style payout Get Quotes AM Best A+S&P AA-Fitch AA+Comdex 92 ELife

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Principal Financial Life insurance Review

Principal Financial Life Insurance            Carrier "takeaways"Well priced 1MM "no-exam" option available for very healthy applicants Known for "vanilla"

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Prudential Term Life Insurance Review

     Prudential Life Insurance          Carrier "Takeaways"​The Insurance marketplace leader forimpaired risk cases.​Excellent financial ratings, ​customerservice,

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Life Insurance In Your Early Twenties…The Pros and Cons

If you are researching if it makes sense for you to obtain life insurance in your early twenties, you have landed in a good place. The purpose of this article is to help you think through the pros and

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Life Insurance After Angioplasty Procedure…What You Need to Know

If you need to research life insurance after angioplasty you have come to the right place. Life insurance underwriting can be a mixed bag after an angioplasty procedure. Your rates will be dictated by

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What to Consider During Annual Life Insurance Review…Everything You Need to Know

The reason that you should consider an annual life insurance review is pretty simple.... If you have individually owned life insurance (as opposed to any work related benefit), you very likely bought it

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Sagicor Goes Consumer Direct …How Technology Enables Sleazy Marketing Practices

Sagicor is latest life insurance carrier to go consumer directRecently, a lot has been written about how technology is being employed by several major carriers to facilitate underwriting models that

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Choosing Terms: How Much & For how Long ?

One of the most common questions I face as a financial planner is “How much life insurance do I need?” If you'd like to learn a simple yet effective way to go about choosing terms for life insurance,

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The Ins & Outs Of The Best Term Life Insurance Policies

If you are looking to shop for the best term life insurance policy you have landed the right place.If you've ever listened  to the radio for an extended period of time,  you know that Term

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Life Insurance Policy Locator Service Returns $17 Million In First 6 Months

The National Association of Insurance Commissioners (NAIC)  has announced through a press release that it's new Policy locator service has returned $17 million in it's first 6 months of operation. The

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How your selfie could affect your life insurance…what you need to know.

Could you really take a photo of yourself with your smart phone camera and use it as a life insurance application? Not yet. But, maybe soon.According to published news reports there are several

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Life Insurance With Family Cancer History…Everything You Need to Know

If you have had your family's life impacted by cancer of a parent or sibling, you know all about the emotional and financial toll it can take.What you  may not know is the impact it may have on

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Declined For Life insurance?…Learn Everything You need To Know

Have you been declined for life insurance? If you have, well , that stinks. However, there are things you can do to change your predicament. But first, you should scream a bit, or eat  chocolate

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Do I Need An Annual Physical for life Insurance?

If you are wondering if you need a physical to get life insurance, the answer i no you don't. In fact a strong argument can be made that you should get the life insurance in place and then get the

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Mutual of Omaha Life Insurance review -2018…What You need to Know

If you are thinking about applying for term life insurance from the Mutual of Omaha, you have landed in a good place. This Mutual of Omaha life insurance review will address the company's history and

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Guaranteed Issue Life Insurance…Everything You Need To Know

If you watch television or listen to the radio, it is nearly impossible to avoid  the marketing of guaranteed life insurance products. In spite of all the advertising (or because of it),

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Return of Premium Life Insurance….Everything You Need to Know

Have you ever heard of return of premium life insurance ? The pitch, in it's simplest form is "pay more for your insurance and get all of the money you paid  back if you don't die before

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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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How do I Finalize a Life Insurance Policy?

Reviewing and Accepting the OfferYou have applied for the right amount of life insurance at a fair price, you submitted the application, took the medical exam and got a favorable

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How do I Submit an Application for Life Insurance?

​Once you have decided on terms, received pricing, and chosen a carrier, you need to actually submit an application. The actual application is filled out by your agent or staff that is associated

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