Being an independent agent, I work for You, not the insurance companies. My firm specializes in life insurance. No consulting fees, No Nonsense life insurance advice, Access to A+ rated companies in your state. I condensed my 16 years of experience into this Buyer's Guide and hope you find it useful.
You have many options on how you obtain Life Insurance:
1) Do The Exam - Potential lowest possible cost with exam paid for by the life insurance company. If they find adverse information, then the cost can be higher as opposed going with a no exam company from the start.
2) Possible No Exam - Offers up to $1MM in coverage. its about the same cost going through the exam if you can qualify for the preferred plus and preferred rates. These companies require a telephone interview and application. They might or might not waive the medical exam.
3) No Exam - Rates are slightly higher and policies are issued faster. Offers up to 350k of coverage. You might have to combine policies to add up to your desired amount.
4) No Exam Instant Decision - Rates are higher, but a decision is reached within minutes. Offers up to $350k of coverage. You might have to combine policies to add up to your desired amount.
Once you find an approach you are happy with, then I can instantly find the right life insurance company for you.
90% people looking for life insurance are quoted incorrect rates.
There are normally 20 different underwriting classes. Are you sure you know which one you qualify for? We give you the lowest quote for the underwriting class you qualify for. Normally agents or websites quote people the best prices that only 10% of the population qualifies for.
The Top 5 Mistakes when applying for life insurance are:
1. Getting bad advice from uniformed agents.
2. Being unaware of what you purchased and how it works.
3. Making the wrong decision on whether you go through a physical or not.
4. Choosing a company that is not right for your unique situation.
5. Not understanding the underwriting niche of the life insurance company.
Examples of companies that rate and regulate the financial strength of life insurance companies:
Ambest, Moodys, Standard and Poor's, NAIC, NCIG, NOLHGA
Life Insurance Company Highlights:
Banner Life -Streamlined phone application with exam, A+ rated, Smaller company, but underwriting is more difficult.
Ohio National - A+ rating, low rates, smaller company.
Lincoln Financial - Possible no exam up to 500k, A+ rated, and well known company.
Principal National - Possible no exam to 1 million, but you need to be in excellent health, A+ rating, large company, reasonable with underwriting, especially height and weight.
American General - Excellent all around, Reasonable underwriting, and Large well known company.
Protective Life - Larger company, A+ rating, good rates, and underwriting. They have universal life policies that work like term.
Pacific Life - All around great company, Good for family history, but will take a long time to underwrite.
Prudential - Reasonable underwriting, Large company, All around great products, A+ rated, Good for family history, well known company.
Cincinnati Life - Smaller company, good for family history, rates are low, underwriting can be tedious.
Transamerica - Family history underwriting is superb and is A+ rated, large/well known company.
United of Omaha - Well known company, Good for family history, Excellent all around.
Brighthouse (Metlife) - Good name recognition and large company. Underwriting is tougher and long.
John Hancock - Good name recognition and large company. Competitive for larger policies. Underwriting is long.
MN Life - A+ rating, reasonable with underwriting, especially height and weight. Order many doctor records.
American National - All around great company. Offers good no exam policies up to $350k. Good selection of products.
North American - Slower underwriting, but good rates.
AXA Equitable - Large well known company. Just not competitive at this time.
Sagicor Life - Good for no exam policies if you have no health conditions up to 400k. Underwriting is strict.
So, How Does It Work?
Application - Feel free to contact me at 800-257-3054 or you can fill out a Pre-Application. I can utilize over 150 life companies for you.
Medical Exam Needed? Not all life insurance policies require an exam. Don't want to go through a medical exam? See No Exam Life Insurance. If you decide to go through the medical exam, you can read tips for great results.
Underwriting - All companies underwrite different. It is very important you have a basic understanding of how underwriting works. For more information on what they look for within your vitals you can read more here.
Offer - When you are approved, it takes 1-2 weeks for them to mail the policy out. When you receive the policy, depending on your state, you have 30 days to look it over in what is called the "30 day free look period”, and you are under no obligations.
Approval, Rated up or Declined. If you are approved, you decide your final amount and terms that you would like. Once you tell them what you want it takes 1-2 weeks for them to mail it out. When you receive the policy, you have 30 days to look it over in what is called the “30 day free look period” you are under no obligations. If you are rated up, then you might decide to accept it temporarily just to have some coverage, then go through another company or apply in the future.
Bottom Line: I am an independent agent that wants to find the right company for You. There is nothing wrong with most life insurance companies. That is why I am independent and not an agent working with one company. One company might be A++ by Am Best today and A- tomorrow. Companies change and we keep up on those changes. They all have certain niches and benefits tilted toward certain people. For example, someone has high blood pressure and cholesterol. Some companies are good, some not so good. Another example, when clients height/weight is a concern. All companies ht/wt charts are different. The interesting thing is, to get these policies together is time consuming for my firm. We might not be a good fit and I will let you know upfront. Insurance companies pay me a commission. It is is the same cost whether you go through us, another agent or directly through a life insurance company. The key is finding the lowest quote that you qualify for with a reputable company.
Hopefully this guide has enlightened you! Here is some information on me…..
Business: I am the Founder of Life Insurance Services. I passionately believe that every American should protect their families and businesses while being offered the most competitive products available. I started my career at the age of 21 in life insurance and have been in the same career ever since. Today, Life Insurance Services is the fastest growing and most recognized agency for life insurance products on the internet. I have published articles in PR Web, National life insurance forums, blogs and major local and national news sites, including Forbes.
Personal: I grew up in Centerville, OH which is between Dayton and Cincinnati. I currently reside in Lebanon OH. When I'm not working, I enjoy spending time with my family/friends, being active weight training, playing tennis, golfing, biking, racquetball, rollerblading, boating (water skiing), and softball. When not being physically active I enjoy backyard barbecues, live jazz music and any kind of business books.
Our Reviews/Testimonials
Get Instant Life Insurance Quotes
Life Insurance FAQ's
What do Insurance Companies Test For In Our Blood And Urine?
Thanks!
Mike Brown
Founder
LifeInsuranceServices.org
800-257-3054 Direct Line
513-828-7140 Cell
888-880-4675 Fax
200 Oxon Pass Lebanon OH 45036
You have many options on how you obtain Life Insurance:
1) Do The Exam - Potential lowest possible cost with exam paid for by the life insurance company. If they find adverse information, then the cost can be higher as opposed going with a no exam company from the start.
2) Possible No Exam - Offers up to $1MM in coverage. its about the same cost going through the exam if you can qualify for the preferred plus and preferred rates. These companies require a telephone interview and application. They might or might not waive the medical exam.
3) No Exam - Rates are slightly higher and policies are issued faster. Offers up to 350k of coverage. You might have to combine policies to add up to your desired amount.
4) No Exam Instant Decision - Rates are higher, but a decision is reached within minutes. Offers up to $350k of coverage. You might have to combine policies to add up to your desired amount.
Once you find an approach you are happy with, then I can instantly find the right life insurance company for you.
90% people looking for life insurance are quoted incorrect rates.
There are normally 20 different underwriting classes. Are you sure you know which one you qualify for? We give you the lowest quote for the underwriting class you qualify for. Normally agents or websites quote people the best prices that only 10% of the population qualifies for.
The Top 5 Mistakes when applying for life insurance are:
1. Getting bad advice from uniformed agents.
2. Being unaware of what you purchased and how it works.
3. Making the wrong decision on whether you go through a physical or not.
4. Choosing a company that is not right for your unique situation.
5. Not understanding the underwriting niche of the life insurance company.
Examples of companies that rate and regulate the financial strength of life insurance companies:
Ambest, Moodys, Standard and Poor's, NAIC, NCIG, NOLHGA
Life Insurance Company Highlights:
Banner Life -Streamlined phone application with exam, A+ rated, Smaller company, but underwriting is more difficult.
Ohio National - A+ rating, low rates, smaller company.
Lincoln Financial - Possible no exam up to 500k, A+ rated, and well known company.
Principal National - Possible no exam to 1 million, but you need to be in excellent health, A+ rating, large company, reasonable with underwriting, especially height and weight.
American General - Excellent all around, Reasonable underwriting, and Large well known company.
Protective Life - Larger company, A+ rating, good rates, and underwriting. They have universal life policies that work like term.
Pacific Life - All around great company, Good for family history, but will take a long time to underwrite.
Prudential - Reasonable underwriting, Large company, All around great products, A+ rated, Good for family history, well known company.
Cincinnati Life - Smaller company, good for family history, rates are low, underwriting can be tedious.
Transamerica - Family history underwriting is superb and is A+ rated, large/well known company.
United of Omaha - Well known company, Good for family history, Excellent all around.
Brighthouse (Metlife) - Good name recognition and large company. Underwriting is tougher and long.
John Hancock - Good name recognition and large company. Competitive for larger policies. Underwriting is long.
MN Life - A+ rating, reasonable with underwriting, especially height and weight. Order many doctor records.
American National - All around great company. Offers good no exam policies up to $350k. Good selection of products.
North American - Slower underwriting, but good rates.
AXA Equitable - Large well known company. Just not competitive at this time.
Sagicor Life - Good for no exam policies if you have no health conditions up to 400k. Underwriting is strict.
So, How Does It Work?
Application - Feel free to contact me at 800-257-3054 or you can fill out a Pre-Application. I can utilize over 150 life companies for you.
Medical Exam Needed? Not all life insurance policies require an exam. Don't want to go through a medical exam? See No Exam Life Insurance. If you decide to go through the medical exam, you can read tips for great results.
Underwriting - All companies underwrite different. It is very important you have a basic understanding of how underwriting works. For more information on what they look for within your vitals you can read more here.
Offer - When you are approved, it takes 1-2 weeks for them to mail the policy out. When you receive the policy, depending on your state, you have 30 days to look it over in what is called the "30 day free look period”, and you are under no obligations.
Approval, Rated up or Declined. If you are approved, you decide your final amount and terms that you would like. Once you tell them what you want it takes 1-2 weeks for them to mail it out. When you receive the policy, you have 30 days to look it over in what is called the “30 day free look period” you are under no obligations. If you are rated up, then you might decide to accept it temporarily just to have some coverage, then go through another company or apply in the future.
Bottom Line: I am an independent agent that wants to find the right company for You. There is nothing wrong with most life insurance companies. That is why I am independent and not an agent working with one company. One company might be A++ by Am Best today and A- tomorrow. Companies change and we keep up on those changes. They all have certain niches and benefits tilted toward certain people. For example, someone has high blood pressure and cholesterol. Some companies are good, some not so good. Another example, when clients height/weight is a concern. All companies ht/wt charts are different. The interesting thing is, to get these policies together is time consuming for my firm. We might not be a good fit and I will let you know upfront. Insurance companies pay me a commission. It is is the same cost whether you go through us, another agent or directly through a life insurance company. The key is finding the lowest quote that you qualify for with a reputable company.
Hopefully this guide has enlightened you! Here is some information on me…..
Business: I am the Founder of Life Insurance Services. I passionately believe that every American should protect their families and businesses while being offered the most competitive products available. I started my career at the age of 21 in life insurance and have been in the same career ever since. Today, Life Insurance Services is the fastest growing and most recognized agency for life insurance products on the internet. I have published articles in PR Web, National life insurance forums, blogs and major local and national news sites, including Forbes.
Personal: I grew up in Centerville, OH which is between Dayton and Cincinnati. I currently reside in Lebanon OH. When I'm not working, I enjoy spending time with my family/friends, being active weight training, playing tennis, golfing, biking, racquetball, rollerblading, boating (water skiing), and softball. When not being physically active I enjoy backyard barbecues, live jazz music and any kind of business books.
Our Reviews/Testimonials
Get Instant Life Insurance Quotes
Life Insurance FAQ's
What do Insurance Companies Test For In Our Blood And Urine?
Thanks!
Mike Brown
Founder
LifeInsuranceServices.org
800-257-3054 Direct Line
513-828-7140 Cell
888-880-4675 Fax
200 Oxon Pass Lebanon OH 45036