The Reasons You Were Declined After Your Life Insurance Application

The Reasons You Were Declined After Your Life Insurance Application

Not all insurance companies think the same way when it comes to risks in insuring you for the future. Guaranteed life is available today without a medical exam for those who have health concerns. However, if you are in the process of purchasing a policy and are preparing for an exam, the following can result in a declined or postponed life insurance application, meaning they will look at your application again if the problem is…

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When Chatbots Turn Ugly – the Story of Tay and How Insurtech Could Go So Very Wrong

When Chatbots Turn Ugly – the Story of Tay and How Insurtech Could Go So Very Wrong

Would you buy your life insurance from a profane, insane, hateful conspiracy-spouting teenaged chatbot? Probably not, unless you’re into that sort of stuff. With more and more insurers embracing insurtech solutions and implementing ‘chatbots’ to market their policies to customers, the potential for things to take a horrific turn into the Twilight Zone ramps up as well. As a particularly bizarre example, consider the experience of software giant Microsoft. Late last year the company introduced…

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4 Things Only Wealthy People Know About Insurance

4 Things Only Wealthy People Know About Insurance

Businesses are finding out it’s now a sucker bet to underestimate how long someone will live these days, and it can prove expensive to governments and pension funds, but it also provides individuals with an opportunity. “In a multi-stage life, the idea of hitting a cliff-edge retirement at 65 and then living off an annuity is outdated,” Alistair Byrne of State Street Global Advisors told The Economist. “It’s not at all obvious that the traditional pension industry,…

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LifeQuotes.com Getting You the Best Life Insurance Rates Since 1984

LifeQuotes.com Getting You the Best Life Insurance Rates Since 1984

We offer the safest, fastest and simplest app to get you the best life insurance rates. No paying for the cost of goofy television ad campaigns or hipster jargon. We also bring you a huge library of utterly free and unbiased insurance information articles to help you make your choice. Our catalog of articles provides you the best and most comprehensive, straight-shooting advice on every detail of the insurance buying process. It’s easier than weeding…

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How Non U.S. Residents Can Buy Life Insurance From US Companies

How Non U.S. Residents Can Buy Life Insurance From US Companies

People all over the world have been seeking life insurance coverage from U.S. based life insurance companies due to the strong reputation these companies possess – along with very competitive prices. So is it possible for you to get covered even though you’re a foreign national or a non-U.S. resident? The answer is yes, but the process generally takes longer to complete. Before discussing how a non-U.S. resident can get life insurance, it is important…

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How Are Life Insurance Agents Paid?

How Are Life Insurance Agents Paid?

Life insurance selling commission ranges from 50 to 140 percent of the first year’s premium, which varies greatly depending upon the purchased policy and initial rate guarantee. Generally speaking, the longer the rate guarantee, the higher the selling commission. However, the commission on policy renewal is very low, typically only 1-5 percent. A new producer compensation model is currently being discussed, which would benefit all parties.

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Veterans On Board to Defend Obamacare

Veterans On Board to Defend Obamacare

Air Force veteran Billy Ramos, from Simi Valley, Calif., is 53 and gets health insurance for himself and for his family from Medicaid — the government insurance program for low-income people. He says he counts on the coverage, especially because of his physically demanding work as a self-employed contractor in the heating and air conditioning business. “If I were to get hurt on the job or something, I’d have to run to the doctor’s, and if I…

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Chronic Diseases Highlight the Importance of Life Insurance

Chronic Diseases Highlight the Importance of Life Insurance

Individuals who are diagnosed with a non-communicable disease will often face difficulty while applying for life insurance. Fortunately there are life insurance policies created to help protect these individuals without being charged an arm and leg.

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Importance of Reviewing Your Will

Importance of Reviewing Your Will

Keeping your will up to date can improve your financial situation and help protect you and your loved ones from future hardships.

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The Great Kidney Caper: Can You Insure Your Individual Body Parts?

The Great Kidney Caper: Can You Insure Your Individual Body Parts?

What do a Newark, N.J.-based mortician, a California-based businessman, and a dentist and his seven mortician-cronies from the East Coast all have in common?

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