life insurance help Desk

Easy 3 Step process:

1- Run a quote for a life insurance
2- Be contacted and apply by phone/email
3- Many policies issued the same day

Start your quote. We are here if you have questions. Call us at  (203) 424-100


Start your 3 Step process:

1- Run a quote for a life insurance
2- Be contacted and apply by phone/email
3- Many policies issued the same day

Start your quote. We are here if you have questions.
Call us at (203) 424-100

lincoln financial
banner William Peen
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american national express issue

I NEED LIFE INSURANCE SHOULD I LOSE THE WEIGHT FIRST? 

The underwriting health class that you are graded will determine your cost of life insurance. While we would all like to be PREFERRED BEST, the truth is that only 12% of applicants get the highest rating.   

 Your health rating starts with your build, that is , height and weight. The best practice for the initial quote is to use STANDARD as a jumping off point. Final rates  are often slightly better or slightly worse. 


WHY SHOULD I CONSIDER APPLYING FOR A  NO EXAM POLICY?

Because you can be approved in just a few minutes or days depending on the carrier, whereas, most policies cases take 4-8 weeks. Additionally this gain in speed of decision happens  for little or no additional premium cost.      

Avoiding blood work is an especially good idea when you are overweight. You don't want to  find out about health issues at your  life insurance exam.  An annual physical is a better and less expensive plan. 


HOW DO I KNOW WHICH HEALTH CLASSIFICATION TO CHOOSE?

Would the rates be better once you lose the we  weight?  Yes,  of course. But your loved ones need protection today. Moreover, once you lose the weight you can look for a better priced policy. The important issue is to protect your family  as affordably as possible  today.  After all, none of us are guaranteed tomorrow.  Hearing "She was waiting to lose weight to get insurance" is not a great legacy for your loved ones.  Take a look, you may be surprised at how affordable a policy can be today.



"Jim Tobin and the Life Insurance Help Desk saved me almost $100 a month by switching my 20 year term life insurance policy. I couldn't be  happier with the service received or the final result."

Jerry Gallagher Milford,CT

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