Category Archives: Uncategorized

OSEEGIB Life Insurance options

Posted on May 18, 2012 by Jeff Root

In the past couple weeks, we’ve helped several consumers find affordable life insurance who were effected by the Oklahoma State Education Employees Group Insurance Board’s (OSEEGIB) decision to terminate life insurance benefits for their retirees. It’s unfortunate that OSEEGIB did … Continue reading →

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Fidelity Life Insurance Graded Death Benefit

Posted on May 17, 2012 by Jeff Root

Many times consumers can’t qualify for traditional life insurance and have to obtain whats called a “graded death benefit” policy.  This means there’s a 2 year waiting period on benefits in the event of an unexpected passing.  After 2 years, … Continue reading →

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Life Insurance Financial Underwriting

Posted on May 10, 2012 by Jeff Root

When you apply for life insurance, every company will ask about your annual income because they need to justify the amount of life insurance coverage you’re applying for. While the purpose of an application might be clear – family protection, … Continue reading →

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Using Life Insurance to Stengthen a Business’s Credit Position

Posted on April 21, 2012 by Jeff Root

Many business owners overlook this benefit of owning life insurance within the business. The financial loss of a key employee or owner can financially devastate a company and often to the point of failure. Banks and lenders view business life … Continue reading →

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Choosing a Life Insurance Agent: 3 Questions To Ask

Posted on April 16, 2012 by Jeff Root

Unfortunately, bad agents do exist in the life insurance industry. When speaking with a life insurance agent, you should prequalify them before you move forward with a life insurance application since ultimately, your life insurance agent is the one responsible … Continue reading →

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No Lapse Universal Life Insurance Quotes

Posted on April 12, 2012 by Jeff Root

No lapse universal life insurance is a cross between a term policy and a universal life insurance policy.  You get features from both types of life insurance. With a No Lapse Universal Life Insurance policy, there is no cash value … Continue reading →

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3 Critical Tips for Quick Life Insurance Underwriting

Posted on April 6, 2012 by Jeff Root

Many people aren’t aware that it typically takes 4-8 weeks for any life insurance company to gather the information necessary and make an offer.  Just so you have an idea why it takes this long, here’s a general breakdown: 1-2 … Continue reading →

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Life Insurance Beneficiary Designations After Divorce

Posted on March 26, 2012 by Jeff Root

According to various sources, the divorce rate is around 50% for a first marriage. These are staggering numbers which highlight an issue we are seeing more frequently: life insurance beneficiary changes after a divorce. Divorce can have a major impact … Continue reading →

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What Hartford Life Insurance Exit Means To Policy Owners

Posted on March 21, 2012 by Jeff Root

Hartford Life announced today that they will no longer sell life insurance and only concentrate on their property and casualty operations, group benefits and mutual fund business.  According to reports, this decision is linked to the economic downturn when it … Continue reading →

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Life Insurance Child Rider – Is It Worth It?

Posted on March 4, 2012 by Jeff Root

Life insurance on your children is a sensitive subject. No one wants to even think about the untimely passing of their child. However, your finances are the last thing you should worry about if such a thing were to happen … Continue reading →

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