Michael Quinn

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 offer

I know what you’re thinking. You want to sit down, grab a cup of coffee and have a relaxing, care-free conversation about…life insurance. WAIT! COME BACK! Let’s try this another way… There are certain ways you can leverage the life insurance system to your benefit. One of those ways is by using the life insurance

When buying life insurance, you’ll need to decide how long your policy will last. How long do you need life insurance?  If you buy term life insurance: your coverage will be temporary and inexpensive. If you choose permanent life insurance: your coverage will be more expensive, but it will protect you for your entire life. 

Did you know that you can “Save Age on Life Insurance?” You’re probably thinking, what in the world is that? As you probably already know, the price of your life insurance policy is heavily based on your age. The older you are – the more expensive the policy will be. What you may not be

What do life insurance medical exams test for? Many of the best life insurance companies require a medical examination before offering you a policy.  The medical records supplied to the life insurance underwriters from your physician can provide them a clearer picture of your health.  This will allow the life insurance company to determine the

What is a life insurance beneficiary? Let’s say that you just put in your application with one of the best life insurance companies – at some point they’ll ask you to choose your beneficiary. You’ll need to select a “Primary” and possibly a “Contingent”. What are primary and contingent life insurance beneficiaries? Today, we’re going

You’re shopping for life insurance policies and you have a high risk situation. Perhaps you have a serious illness or have a dangerous hobby or job? It’s possible that flat extra charges for life insurance will be added to your policy. Before you think that there isn’t any way possible that you can get approved-

For peace of mind, people buy insurance. If you endure a car accident, you want to take comfort in knowing you’ll be financially protected. This is no different for health issues or property damages. Likewise, some people buy cheap term life insurance to secure themselves and their loved ones at the lowest price. Some buy

Can you have more than one life insurance policy? How many insurance policies can one person have? It is absolutely possible to have more than one life insurance policy. The reality is that there are people who have multiple insurance policies – from several of the best life insurance companies in the USA. They may

How Much Life Insurance Do I Need? This is often the first question shoppers ask before buying life insurance. Understanding how much life insurance you need is obviously important. This goes without saying. Usually everyone knows that life insurance will cover: Future Income Mortgage Funeral Costs However, there are several areas that you may not be thinking

You probably don’t want to think about the possibility of suicide. No one wants to consider the fact that there may come a day when they feel as though they have no other option but to take their own life. As horrible as that thought is, it’s a very real situation for some people. Does

Game Of Thrones Characters: Who Collected Life Insurance? Winter is coming…but how about those life insurance checks? What would happen if the Game of Thrones characters had life insurance? Would the best life insurance companies in Westeros go bankrupt paying out all those claims? Westeros has provided some gruesome deaths throughout the years. Have you

Life Insurance Checkup Your life insurance is not a one and done purchase. Your circumstances and commitments change as your journey through life evolves. These changes could lead to gaps in your coverage – and most policyholders fail to realize how these changes alter their insurance needs. The policy you purchased years ago may have

Your worst nightmare. You’ve faithfully paid your life insurance premiums for decades to protect your family. You pass away and now the time has come for your family to get financial protection with your policy’s death benefit. So, will the life insurance company pay out the claim to your loved ones?  Do the top life

You can sell your life insurance policy with a process known as a life settlement. Learn all about life settlements and find out how much your life insurance policy is worth.

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

There’s nothing like feeling secure even when tough times come.  An accident, a terminal disease, or sudden death of a loved one can change the course of your life. This is difficult if you wholly or partially depend on those loved ones for your needs, such as your parents. Ask yourself this question–what would you

Today we’re going to answer some popular questions about the Medical Information Bureau. This is a topic that life insurance shoppers may be puzzled by. These questions often include: What is the MIB? Who makes up the Medical Information Bureau? What is the Medical Information Bureau database? Do I have an MIB file? The Medical

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.

Are you or someone you know the beneficiary of a life insurance policy? If so, you’re probably wanting to know, “How Long Does It Take to Get Life Insurance Money?” For the majority of situations, a life insurance death benefit will be paid within 30 days. This is typically the case with the best life

Suze Orman is a renowned financial advisor, TV personality and motivational speaker. She is the author of 10 books and has been the host of the award-winning “The Suze Orman Show” since 2002, on which she advises people on different matters concerning personal finances and investments. So, what does Suze Orman say about life insurance?

Do all life insurance companies look at you the same? When you are looking for life insurance, you might think that all insurance companies are similar but you’d be wrong. Shoppers need to know how to compare life insurance companies in order to get the best deal possible. They can differ in many ways including

Can I Save Money Buying Direct From a Life Insurance Company? The short answer is… No. You can buy direct with many companies, but it will not save you any money. That’s right. Purchasing term life insurance direct from the life insurance carrier won’t save you a dime. In fact, it very well may cost you

Is the Process of Buying Life Insurance Online Easy? Is it easier to get coverage from the top life insurance companies? It’s possible depending on how a company processes business. Do they only accept paper application or do they use technology? Since the creation of the internet, our lives have changed significantly.  You can, pretty

Are you worried about bad retirement planning? A solid retirement plan is the end game of any individual wanting to free themselves of career-related responsibilities while still enjoying a comfortable life. However, having a good retirement plan may seem like miles away if one does not spend time to think of the future while acting

It is surprisingly common for people to go years without getting a medical checkup. Things happen, people get busy, and lack of health insurance can get in the way. Getting life insurance when you haven’t seen a doctor in years is available. Life Insurance When You Haven’t Seen a Doctor in Years: The good news is that

It’s not a big exaggeration to say that life insurance is one of the last things that people like to think about. When we grow older and our mortality becomes more apparent with every new ache and pain life insurance becomes something that weighs heavier on our minds. Or when we start a family of

Are you thinking about changing or replacing your life insurance policy? For many individuals, life insurance is not a set it and forget it purchase. There are a variety of reasons why changing or replacing your policy makes sense. However, replacing life insurance may or may not be a good idea and will depend on

There are a variety of Life insurance topics that many shoppers might not be aware of. The 2 Year Life Insurance Contestability Period is probably one of them. In this post, we’ll be looking into how the top life insurance companies deal with the contestability period. What is a life insurance contestability period? The life

Debt has a habit of sticking around with us no matter how many years go by. Whether it’s the mortgage payments, the vehicle payments, or the never-ending student loans, it can feel like we may be stuck in this cycle forever. I’m Concerned About Leaving Debt To My Children One of the main stressors for

It’s important to get expert life insurance shopping advice. Our “Ultimate Shopping Guide” will guide you through every step – from start to finish. From quotes, to application, underwriting and paying for your policy. Get expert life insurance advice Approximately 18 million people have searched for life insurance but cannot make up their minds.  In

At some point in the application process you may feel a bit overwhelmed. Hopefully you’re choosing one of the top life insurance companies in the US. When you start completing your life insurance application there will come a point where you need to choose your life insurance beneficiaries. Your agent will inform you that you

Life Insurance for Pension Maximization: Life insurance exists for the primary purpose of making sure your loved ones are protected when you die. Typically, this just means replacing your lost income so that they can still maintain their lifestyle. Life Insurance for Pension Maximization But what happens when you retire and are no longer making

How to determine your life insurance health class rating? Are the ratings the same across the Top 10 life insurance companies? For the average person, figuring out how to determine their life insurance health class can get a bit overwhelming. How much you pay on your policy begins with finding your health class. Most people

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

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

Does living healthy lower my monthly premium for life insurance? How much you’ll pay for life insurance depends in part on your likelihood of living a long life. Insurers run your age, health and lifestyle through statistical algorithms to assess the likelihood of you filing a claim against your policy and classify you by that risk.

How to Pass Life Insurance Medical Exam? It’s commendable that you are doing the right thing for your family with life insurance. Good for you, for this is one of the best steps in securing your family’s financial future. For a life insurance company to pledge hundreds of thousands (even millions) of dollars, they need

You’ve probably done some research and have a good idea who the top rated life insurance companies are based on type, riders, and options.  But, maybe you’re still questioning some things. That’s good, because we’re going list the top 15 secrets life insurance companies want hidden from the average shopper. Let’s get into some inside

For many people, the thought of participating in a blood test for life insurance sounds as fun as getting stuck in an elevator. Typically, the life insurance blood test is unavoidable and needs to be completed before you can get approved. This is standard even for the top rated life insurance companies. We’re going to

You may have asked yourself, “Why can’t I lie on a life insurance application?” For a variety of reasons, there are people who feel like bending the truth isn’t a big deal when applying for life insurance with the top life insurance companies. There are times when I speak with people that tell little white

Are you like most shoppers – trying to figure out what is the best life insurance company for your situation? Are you concerned about life insurance company bankruptcies and the possibility that they won’t be around in the future? If you’re shopping for life insurance, you’re guaranteed to see the name A.M. Best. We’ll explain

Funeral poems, funeral prayers and memorial verses are often a familiar part of funeral services. It’s a difficult time and sometimes it’s hard to find the right words to express the death of a loved one. We wanted to provide you a resource to help communicate and express your loss. We hope you will find

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. You have probably done all your homework by searching

Purchasing a home is a dream common among people all over the world. It represents a major financial accomplishment, not to mention a path toward building wealth for the future. However, buying a home comes with some risk.  There are many upfront costs associated with becoming a homeowner, along with the ongoing financial obligation of

When you purchase a life insurance policy, your number one goal is that it will pay your beneficiary when you die – however death can happen in a variety of ways and it’s possible your policy may not cover them all. Then what does life insurance cover?  Today we’re going to dig deeper and answer that

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

Term Life Insurance Advice from Dave Ramsey Is it the best strategy to follow the Term Life Insurance Advice from Dave Ramsey? If you haven’t already heard of Dave Ramsey, he is a successful real estate expert who understands the highs and lows of investments and money management. Dave Ramsey learned many valuable lessons as he

Are you feeling a little overwhelmed trying to figure out all of your life insurance options? You probably have a bunch of questions about price, coverage, beneficiaries…there’s just so much to figure out. Great news…there’s an easier way. We put together a list for you that will help you choose the best life insurance policy.

In this post, we’re going to explain how choosing the wrong agent can end up costing you thousands of dollars over the life of your policy. Even when you’re shopping from the best life insurance companies in the market. You see, there are 2 groups of agents – Independent Life Insurance Agents and Captive Agents. 

Grief is a natural response typically felt by some sort of loss, whether it be a death, a failed relationship, a loss of job, etc., everyone experiences it. It is usually experienced with a variety of different emotions like sadness or loneliness. Understanding your emotions and learning how to deal with them in a healthy

Unfortunately, dying without life insurance is a fairly common situation. Have you ever come across someone on social media that’s setup a GoFundMe to help pay for an unexpected death? I have and it’s a very sad situation. The death of a loved one is already difficult enough to face head-on by the bereaved family.

When you’re shopping for life insurance you’re probably going to come across a bunch of vocabulary that you’re a little unsure about. Words such as underwriting, beneficiaries, permanent coverage, and life insurance premiums to name a few. To make it even more of a head scratcher — not all life insurance companies use the same

Members of the Baby Boomer generation have been influenced by the generation that lived through the Great Depression and World War II. These people experienced hardship and sacrificed to survive two of the worst crises America has ever faced. They imparted a strong sense of thrift and common sense to their children who, despite having

There are many people who want to have a minor or their child as the beneficiary of a life insurance policy. Is leaving life insurance to a minor a good strategy? This is an important question to ask and choosing the proper beneficiary is key. Life insurance is supposed to pay for the things that

What is life insurance and where did it come from? Today we’re going to answer that and why you should care, because it might be the most important purchase you make for your family or business. What is life insurance? Life insurance can be defined as a type of insurance that will pay a death

Life insurance companies can offer you a variety of life insurance settlement options when the insured passes away. To put it in basic terms, your Life Insurance Settlement Options are the various choices that are available to distribute the death benefit to the beneficiary. Settlement options in life insurance Your life insurance policy has 2

A common question that shoppers ask is, “What If My Life Insurance Company Goes Bankrupt?” This is a great question. Picture this: You bought your policy from the best life insurance company (or so you thought). You’ve paid your life insurance premiums for years. You’re stress free knowing your family is taken care of if

Can credit scores affect life insurance premiums? Your credit history can provide the best life insurance companies a little insight into your “financial health.” They want to get an idea of how you handle your financial responsibilities. Your credit score can show insurers if you have a greater likelihood of repaying a loan or not.

Every wonder what a life insurance agent makes when you buy a life insurance policy? Today we’re going to answer the popular question of “How do life insurance agents get paid.” We’ll also go over some tips on how make sure your agent is looking out for you and not their pocket. Hopefully, you’ll have

Who’s to say what’s odd or weird when dealing with a topic such as death? Every culture has their own way of dealing and interpreting death. With that said… we think we’ve found some over the top burial rituals. If you’re looking for the weirdest funerals from around the world – we got them right

Applying for life insurance can be a little stressful for some people. One of the reasons is at some point, your agent will be asking you to provide some pretty personal information. One of these pieces of information that’s required is your Social Security Number or SSN. For many people, this can throw up a

Shopping for life insurance for the best companies doesn’t have to be torture or time consuming. It can actually be quick and convenient. They key is using the resources and professionals available to you.  How to purchase term life insurance Here are 7 steps you should follow if you’re wanting to get approved for coverage. Total

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

You’re ready. You’ve decided that it’s time to purchase life insurance.  A few important questions you might be asking: When does my life insurance policy actually begin? How long before life insurance takes effect?  These are great questions.  Understanding when your life insurance policy starts is important. There are 3 key dates in your life

Why do I need life insurance? This is a question that you may have asked yourself at some point. You know how the saying goes, there are only two things that are certain in life: death and taxes. This article will go over the major reasons why life insurance is needed by most people. Let’s

Our post, “7 Questions You Need To Know Before Buying Life Insurance” will help you understand some money and time saving situations that you may not be aware of when purchasing a policy. You’re not alone if you’ve ever wondered, “How much does life insurance cost?” “How do I get the best life insurance rate?”