Michael Quinn

Michael is a licensed life insurance agent, expert & owner of Life Insurance Blog. LIB has helped thousands of shoppers understand life insurance and secure affordable coverage.

What To Do When Someone Dies

What to do when someone dies

When someone dies, the outcome can be devastating for whoever is left in charge. Handling a death can often be very confusing and quite emotional. Learn what you need to do and say after someone close has died.

DEATH DATA

Leading Causes of Death

Leading Causes of Death Death Data and Mortality Statistics – The Definitive Guide This article and all of its visualizations will help to explain the causes of death across age groups and locations.  The charts and graphics below are interactive, so make sure to click around and hover your mouse over the data to experience …

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Disability Income Rider

The Disability Income Rider— Why Everyone Should Consider It

Should you buy a Disability Income Rider? When buying a life insurance policy from the top life insurance companies, you may come across something called a disability income rider. Riders can be an excellent addition for some policy owners. A disability income rider offers financial security to the individual who owns a life insurance contract …

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firefighter funeral

Firefighter Funeral Traditions

Firefighter funeral traditions provide our fallen heroes the respect and gratitude they deserve for the ultimate sacrifice they made to our society. The types of funerals that firefighters have are usually classified as: Formal (full military-style honors and traditions) Semi-formal (some traditions and honors) Non-formal Private When firefighters pass away their family isn’t alone. The …

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How Does High Cholesterol Affect Life Insurance Rates

How Does High Cholesterol Affect Life Insurance Rates?

If your doctor has told you that you have high cholesterol, it’s natural to feel concerned about how it affects your life insurance rates. But the truth is that life insurance providers and doctors define “high cholesterol” differently. Even more confusing, each life insurance company has its own guidelines for what are acceptable cholesterol levels, …

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How Long Does Life Insurance Underwriting Take

Life Insurance Application: How Long Does Underwriting Take?

Every person who applies for life insurance is waiting to hear the glorious phrase, “Congratulations, your life insurance application is approved!” – but how long does life insurance underwriting take? It varies — by a lot! When applying for a life insurance policy, there are several steps that need to occur before you’re approved. It …

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long term care rider

Long Term Care Rider

Wondering if life insurance with long term care rider is worth it? Adding a long term rider (LTC) to your life insurance policy can really help lessen your concerns about getting extra help down the road.

waiver of premium rider

Waiver of Premium Rider

When you use life insurance riders, they can help customize your life insurance policy to exactly how you want it. The waiver of premium rider will pay for all of your future life insurance premiums if you happen to become disabled. This waiver of premium rider is not included with every policy. It’s an optional …

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Life Insurance Costs

Life Insurance Costs

Life insurance costs can be very confusing and difficult to figure out because there are so many different types. When shopping for life insurance from the best life insurance companies – you need to take into consideration product options such as whole life, term life, and universal life insurance. Your life insurance cost can vary …

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20 year term life insurance

20 Year Term Life Insurance

What does a 20 year term life insurance policy mean?? 20-year term life insurance is a type of life insurance that provides coverage for 20 years. It’s a level term life policy, meaning the premiums that you pay and the coverage you get lasts for 20 years.

is whole life insurance better than term

15 reasons why whole life insurance is better than term life insurance

Are you trying to decide between whole life insurance and term life? Understanding the differences between term life vs whole life is a great first step in the life insurance buying process. Choosing the wrong policy can be a potential disaster. Let’s learn how to avoid that. In this post, we will go over the …

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affordable life insurance for 62 year olds

Another Test

When are you going to die? Have you ever wondered ‘when will I die?’…Well our digital life expectancy calculator is going to answer that for you.  Your death date* will depend on a variety of factors like your lifestyle and how much you smoke. To predict your death date, just input your BMI and a …

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Is life insurance taxed

Is life insurance taxed

Is life insurance taxed? It would be great if this one question could be answered with one response. Understanding the tax rules on life insurance can’t be answered with 1 simple answer unfortunately. Top 10 Life Insurance Tax Tips Here are the 10 most common life insurance tax situations and answers to the questions that …

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What is Life Insurance Underwriting

What is Life Insurance Underwriting?

Ok, so what is life insurance underwriting? This is an important question that many life insurance shoppers should be asking. Basically, it’s when companies implement a screening of potential insureds using risk evaluation and premium-setting processes. It’s completely necessary and a fundamental system of insurance underwriting. https://youtu.be/UecUGKGzREs You have probably done all your homework by …

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life insurance buying guide

13 steps showing exactly how to buy life insurance

We put together our “13 Steps Showing Exactly How to Buy Life Insurance” guide for shoppers who are frustrated and overwhelmed with the life insurance buying process. With so many great life insurance companies to choose from, it’s easy get frustrated, but that frustration ends now! https://youtu.be/0gQ-bOeLn5o Studies have shown that over 18 million people …

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NCE Generations Plus Guaranteed Issue Life Insurance

NCE Generations Plus Guaranteed Issue Life Insurance

Looking to see if NCE one of the best guaranteed issue life insurance carriers? If you’re looking to get life insurance without any medical questions, then NCE Generations Plus Guaranteed Issue life insurance might be the perfect fit for you. Life insurance typically involves extensive underwriting and qualifying measures before you can actually buy it. …

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Guaranteed Insurability Rider

A test

Request Free Life Insurance Quotes Now Your Free Quote is just clicks away. Compare accurate life insurance quotes in one place, adjust term and coverage amounts, and view prices monthly or annually. Life insurance doesn’t get easier than this. Who Needs Life Insurance? Life insurance can pay for funeral costs, provide income replacement in the …

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Return of Premium Rider

Return of Premium Rider

Does a Return of Premium Rider fit into your life insurance goals? A life insurance policy is designed to protect your loved ones from a financial disaster? That’s the whole reason for life insurance. However, instead of buying lifetime coverage, you may only need to protect your loved ones from short-term expenses. These can be things …

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faq

FAQ

Looking for answers to your life insurance questions? Our FAQ provides the answers to the most frequently asked life insurance questions.  LIFE INSURANCE FAQ   There are no costs for our clients when applying for a life insurance policy. The purpose of an application is to see what official rate a life insurance company will …

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Term Life insurance with celiac disease

Term Life Insurance With Celiac Disease

People suffering from digestive tract illnesses are pretty common.  There millions of americans dealing with celiac disease, digestive tract diseases and other pre existing health conditions. It can be extremely uncomfortable in your everyday life when you have a bowel disorder.  Term Life Insurance With Celiac Disease There are several digestive tract disorders but the most …

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Life Insurance Approval after Gastric Bypass Surgery

Life Insurance Approval After Gastric Bypass Surgery

Life Insurance Approval After Gastric Bypass Surgery Is life insurance approval after gastric bypass surgery possible? Who are the top 10 life insurance companies for this condition? It’s sometimes difficult to attain a life insurance policy and get coverage when you have a health condition that is poor or potentially risky. And, that’s generally because …

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life insurance for private security contractors in dangerous places

Life Insurance for Private Security Contractors in Dangerous Places

Life Insurance for Private Security Contractors in Dangerous Places: Private contractors often work for six figure incomes and tax benefits from overseas contract work. For many Americans looking for employment, it’s a great opportunity. This is especially true for ex-military. Ex-Military private security contractors can make significantly more money working for private military contracts then …

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