Category Archives: Uncategorized

5 Options When Your Term Life Insurance Policy Expires

Posted on February 29, 2012 by Jeff Root

Many consumers aren’t aware of all their options when their term life insurance expires…or is about to expire. When you’re approaching the end of your term life insurance policy , here are your choices: 1. Continue your current policy 2. … Continue reading →

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Affordable Life Insurance Rates For Breast Cancer Survivors!

Posted on February 19, 2012 by Jeff Root

One of the most common impairments our agency sees is a history of Breast Cancer. With the advances in treatment, increasing awareness and self exams, we’re seeing more and more breast cancer survivors applying for life insurance.  The good news … Continue reading →

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Elevated Liver Function Tests and Life Insurance

Posted on February 18, 2012 by Jeff Root

  One of the most common abnormalities found in the lab work from a life insurance medical exam are elevated liver function tests. If you’ve been rated by a life insurance company because of your liver enzymes, there may be … Continue reading →

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How Life Insurance Companies View Marijuna Smokers

Posted on February 16, 2012 by Jeff Root

  There are a few misconceptions about how marijuana users view life insurance (we covered theem in a “Marijuana Life Insurance” article).  Just know that marijuana use DOES NOT disqualify you from purchasing life insurance.  In fact, most life insurance … Continue reading →

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Cincinnati Life getting aggressive with underwriting

Posted on February 14, 2012 by Jeff Root

Cincinnati Life is one of the lesser known companies to consumers, but to agents they are very well known and very respected. You won’t see them offered by the big life insurance call centers you see on TV and I … Continue reading →

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MetLife Life Insurance Gets Aggressive

Posted on January 19, 2012 by Jeff Root

  MetLife is a very well known name in the life insurance industry.  I mean, who isn’t familiar with their Snoopy advertisements? If you compared MetLife to the rest of the life insurance industry, they will rarely compete based on … Continue reading →

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AIG Direct Review

Posted on January 13, 2012 by Jeff Root

Before I get into my AIG Direct review, let me clarify that I’m independent life insurance agent who is very familiar with their call center operation. AIG Direct seems to be everywhere on TV and is quickly becoming a household … Continue reading →

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Universal Life with a No Lapse Guarantee – Everything you Need to Know!

Posted on December 12, 2011 by Jeff Root

Universal Life Insurance Policies with a “No Lapse Guarantee” are being offered at rates well below the guarantees of the past.  We believe they are priced too low right now and that rates will continue to rise.  “Rates will continue … Continue reading →

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What Does Bankruptcy Have To Do With Life Insurance?

Posted on December 2, 2011 by Jeff Root

    When we’re gathering information to find you the best options, we’ll always ask the question – “within the last 10 years, have you filed for bankruptcy?” Many consumers who have had a bankruptcy respond: “What does BK have … Continue reading →

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Long Term Care Insurance Using A Life Insurance Policy

Posted on November 8, 2011 by Jeff Root

If you recognize the need to purchase life insurance to protect your family, but you also feel it’s important to protect your independence and your assets while you’re alive – you should consider linking your life insurance with long term … Continue reading →

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