Guaranty Association Benefits Company

John Gongos always knew that life insurance is important. As a child, he learned first-hand how it could be. When his father died in 43 years, the family had no insurance in place, so that his mother had to raise three children without a financial safety net. In addition, one of the first patrons of John died in his early fifties, leaving this company in complete chaos.

So when his own company, Gongos Research, began to grow by leaps and bounds, John decided it was time to get life insurance. He worked closely with Craig Wiklund insurance agent to set up a business succession plan. Funded by his life insurance, the plan has generously provided for his own family and its 100 employees and more. John did all the right moves at the right time.

But then the time John was abruptly cut off. One day he had strong stomach pains. He asked his wife, Anne, to get him to an emergency room. At the hospital, he was diagnosed with a melanoma 4th floor. He died two weeks later, just shy of his 52nd birthday.

"He hit people to the soul," said Camille Nicita, CEO of Gongos, Inc. "John was a healthy person, intelligent and dynamic. And to see that go so fast was just sad. "

The death of John was sudden and unexpected, but the life insurance policy he implemented allowed Anne to have his shares in the company taken over by other partners. The death of the delivery of product allowed him to stay in his house and not have to uproot his three children. "life insurance was very last gift from John for us," said Anne.

What happened to John illustrates that life insurance is a valuable product that can help keep a family afloat and intact when tragedy strikes unexpectedly. It is an incredibly affordable way to ensure the financial future of your family is protected when you die.
To hear more of Anne's story, click this video.

Rated Life Insurance Explained

A policy of life insurance policy is a rating is also often referred to as a lower quality policy. A person with less than average health or has a high-risk profession can benefit from a rated life insurance policy or substandard. This would result in a higher premium rate if you choose to accept the life insurance policy. Often, the rating may be additional one percent of the total premium or a flat extra premium for $ 1,000 death benefit.

If you own a life insurance policy of US General (AIG subsidiary) and you were paying attention to the news, it is quite understandable that why you may feel a little anxious. True, the mortgage crisis has affected several major financial institutions and if you are a US holder of general life insurance policy, you are rightly concerned. As a customer AccuQuote and a life insurance policyholder American General, the choice is always yours to switch life insurance provider. Our goal is to help you make an informed decision

That said, I would like to provide the following information which I believe guide you in your decision making process :.

• American General is a wholly owned subsidiary of AIG. The US general is strong, profitable and growing
• Insurance continues to be one of the most important sources of income for AIG
• The insurance industry is highly regulated -. Until all life insurance companies doing business in the United States must maintain cash reserves for any / all life insurance they issue. These cash reserves are invested in investment grade high quality fixed income securities which are extremely stable. This practice ensures the contractual obligation for the life insurance company to pay death benefits for long-term policies in force.
• If there is concern about the ability of an insurance company to pay claims, all state insurance commissioners have the power to essentially merge the assets of a troubled insurer through a takeover by most insurers. This method has been used successfully and repeatedly to prevent the default of a single payment of a death claim in over a hundred years in the United States and to ensure that all current policies is honored on basic terms and conditions of origin. No recipient of death in the history of the market for life insurance in the United States has never been denied or shorted on a death claim legitimate payment

AccuQuote will in fact continue to sell the American general as they are still rated A or better by AM Best. We think they are solid and will continue to be a leader in the long-term life market, despite the difficulties of their parent knows. However, again, the choice is always yours. We do not push a company to another. Therefore, if you are concerned regarding any existing or you have recently applied to the US general policy, we would be happy to help you in choosing an alternative society. Just feel free to contact us at 800-442-9899 regarding any questions or concerns you may have.

Nearing retirement? Consider Disability Insurance

When you consider the fragile financial position of many retirees today, you will appreciate the role of long-term care (LTC) insurance and disability insurance (AI) play in providing a boost to the leg. insurance payments and disability insurance LTC can take a huge load off your back.

Consider what retired people and those approaching retirement think about their retirement life

• 14% of the close to retirement group felt that their retirement life would be better than before
• However, 25% of those already retired said that life was much more difficult and challenging than before they were retired

Many people have asked me over the years, if there was a tool to find lost life insurance policies . The answer is no ... until now.

The Medical Information Bureau (MIB) launched their service policy Locator to help people find out if a policy exists. The wide database of MIB industry can report if an insurer took a policy application for the individual and petitioned our fraud detection service. It is the activity that can help show the way for the company or companies that have issued a life insurance policy. According to the MIB, the political Locator Service does not guarantee that a policy has been issued, but it points people to the companies that are most likely to have issued blanket.

To use the Policy Locator Service, a decedent's surviving spouse, next of kin or legal representative must submit an application form with a certified copy of the death certificate. Cost of research is US $ 75, and the answers are usually returned within ten working days. Pretty neat!

Part of the American dream send our kids to college and prepare them for a bright future. But with the current cost of university practically unfathomable and growing at a record pace, millions of American families are rather living a nightmare when it comes to financial planning for higher education of their children.

According to The College Board, the average total annual cost, including tuition, housing and fees in 2013-2014 to a state public college is about $ 23,000; it is a huge $ 36,000 for out of public college of law; and a mind blowing $ 45,000 for a private university.

Here's the bottom line ... if you die, your children will be able to attend and finish college?

Does reading this sentence you to pause and think?

are you ready? Could your children go to college if something were to happen to you? How would it be paid? If your children are young, have you guessed future tuition fees in the amount of life insurance coverage, you may need?

Kal Chany, author of Paying for College Without Going Broke (easier said than done!), Screened in 2012 in an article CNBC.com that tuition and costs could rise to more than $ 48,000 / year for a public school in the state and more than $ 110,000 / year at a private college by fall 2029. again, these figures are pAR aN

below is an estimate by campus Consultants tuition:

tuition costs planned for the fall 2029-spring 2030 *

* Includes room and board

Call us at 800-589-0465 and talk with our review team of experienced policy to be sure that your children's college plans are protected or request a call.

Unfortunately, no one knows when their time is up ... time to prepare for now.

If you take the equation of politics, and analyze new reforms health set up by President Obama, you can see that the idea is positive. Make affordable health insurance is a big step.

ObamaCare, the health reforms have been come to be known, has been the focus of much debate and controversy. Here is a simple explanation of the situation of Forbes.com. With Open Registration date approach to the protection of patients and officially titled Affordable Care Act (PPACA) drawing near, here is a look at some key factors of this historic legislation.

• Law. The Affordable Care Act is a comprehensive program that covers various aspects of the health sector in general. The essential parts of the law that affects all Americans is the mandate that everyone must have a minimum coverage "essential", and the introduction of subsidies to private insurance and Medicaid managed by the government to help fulfill this requirement .

• The additional grant option. The Medicaid expansion grant helps individuals and families earning less than 133% of the federal poverty level, receive reduced or free health care. Currently, 26 states offer this extension of Medicaid. Families could be eligible for subsidies based on family size, income, age of registered and state of residence.

• deadline. For calendar year 2015, there is an open enrollment period from November 15 ^e , 2014-15 February ^e 2015 for those who are not covered by Medicaid, Medicare or health insurance through the workplace. Under certain conditions, called "qualifying life event", you can still qualify for a special enrollment outside of the open enrollment period. Although, you can apply for Medicaid and Medicaid children at any time.
[

• the penalty tax penalties came into force in 2014. so if you were still uninsured after March 2014, you are required to pay the penalty tax payable when you file your tax returns on 2014 income. the penalty in 2014 will be 1.0% of taxable income or $ 95 per adult and $ 47.50 per child (up to $ 285 per family), whichever is greater . in 2015, the figure will rise to 2.0% or $ 325 per adult and $ 162.50 per child (up to $ 975 per family), and 2.5% or $ 695 per adult and $ 347.50 per child (up to $$ 2085 per family) in 2016. After that point, the rate will go up based on figures from the cost of living related to the period.

So, if you are not already insured, use the next open enrollment period for health insurance purchase your policy.

We left at the end of Part 1, where I had already shared the secret to win the game of life insurance (DIE wITH YOUR iN POLITICAL FORCE!). But even if the secret sounds so simple and obvious, we learned that many people overlook and lose the game. Why and how come?

Well, we all die, so obviously these people do not lose the game of life insurance because they live forever. They lose because their LAPSE policy before you die!

This can happen for a variety of reasons. Sometimes it is because they do not want politics ... they may be divorced or they bought for someone they care more, to voluntarily abandon the policy. Sometimes it is because they run through hard times, losing their jobs, and have difficult decisions to make ... like ... do I feed my children? ... Or pay the life insurance bill? Obviously, this is an easy decision. Maybe there was a change of address and the life insurance carrier was not notified, which would cause the insured not to receive invoices and, in turn, cause the policy to lapse.

The bottom line on all of these reasons-and others, is that the insurance company does not care why they lapsed. They collected premiums for years ... but they end up never having to pay a claim on the policy. In other words, they win and you lose.

And the profits of the insurance companies make on all these policies are obsolete and expired effectively subsidizing the ridiculously high rates of return for quite intelligent people continue to have their life insurance policies and their DIE in force (you can call this group the winners circle!).

in Part 3, I will draw exactly how to win the game both a term and a permanent policy. Stay tuned!

At AccuQuote, our motives are clear and our mission is simple. We are dedicated to communicating the importance of life insurance to as many people as possible. We strive to be the best source of advice and useful information on life insurance you can find.

This is why a Gallup poll I recently saw really annoyed me. In a poll on honesty and ethical standards, 36% of people received insurance agents as "low or very low" in this area. Only 15% of respondents gave a score of agents "high or very high . " (As a reference point, 10% gave members of Congress ranked "high or very high.")

I am aware that some people think that life insurance agents as irritation but these figures really surprised me. I know thousands of insurance professionals over the years, and I've used hundreds of them. Basically, , they are professionals high integrity.

Have you ever wondered why life insurance agents do what they do?

the vast majority of agents insurance-life wake up in the morning and think to protect families. Period.

Agent EACH AccuQuote wakes up thinking about it. I'm 100% certain about that. I would not allow them to work here if this was not the case.

Many of them have personally experienced the incredible impact of life insurance. Many of them have seen the devastation that occurs when a loved one dies without coverage ...

Our agents are advisers , no high pressure salespeople. They will never rush you into making a hasty decision, and they will never advise you to take actions they believe not in your best interest. They are not looking to make a quick sale and never speak with you again. (Actually, we serve the same customers who do not buy insurance from us!)

When you become a customer, the agent becomes your AccuQuote FOR LIFE advisors.

The premature death of a spouse or parent, or even a business partner, can cause financial catastrophe for the survivors. We are committed to make it as simple and easy as possible to get life insurance, you must protectthe people you leave behind.

Those are the motivations of our insurance agents.

We believe that life insurance is the most important product in the history of mankind. It is our duty to spread the word. And we take this work seriously.

How do you understand life insurance?

I'm sure you understand the basic principle of :. if you, your family receives money when you die

If you read this blog, watching YouTube channel AccuQuote or opening our emails, you are probably better educated than 0% of your peers. You may know the advice I am about to share, but even if that is the case, they deserve repetition. This stuff is so important!

Not Shop

Each life insurance company has a variety of products with different features and costs. If you do not compare companies to ensure you get the right cover to right price , you probably are not getting be .

instead of doing all the research yourself - or simply that of your parents are insured - AccuQuote, it is quick and easy. We do the research for you! Our submission software checks for products from more than a dozen highly rated insurance companies to find the most affordable rates. Our customers save up to 70%!

You might be surprised by how much coverage you can get on your budget.

Do not prepare for the exam

to get the best rates, you must prove that you are healthy. This means taking a physical. Your activities in the days before the exam have a major impact on results.

Fortunately, there are specific steps you can take to "put your best foot forward." The video below explains what you can do.

If you do not take the exam tips seriously, you might be hitting a class lower rate than you would normally qualify for. This could cost you thousands of dollars.

for example, imagine a man of 45 years applies for $ 250K, long-term policy for 20 years. he does not smoke and he is healthy enough.

Imagine it goes too far coffee and chips the night before the exam. his blood pressure might go enough to ruin his chances of getting a preferred rate class. It can end up with a standard tariff class. He would have to pay $ 52.68 / month for its policy instead of the month $ 34.39 / she had to pay if he had followed the advice of the video above. That is $ 219.48 / year ... $ 4389.60 over the term of the policy.

waiting too long

Let the man of the example above decided to wait 5 years to buy his politics. Instead of paying $ 34.39 / month, now he must pay $ 50.50. This is an additional sum of $ 193.32 per year ... like paying for an additional 5 bonus months each year.

And that's assuming that his health does not decrease within 5 years ...

Jump Your Policy Reviews

This is a good idea to check with a professional once a year the life insurance. A few minutes on the phone will help you ensure that your policy is maintained with any life changes you experience.

You may need more coverage if you are married, have new children, earn more money, bought a new home, etc.

you may not need as much coverage if you are divorced, your children become financially independent or you wiped the debt (like a mortgage).

The best way to ensure your coverage still "is" is to review your policy. You can call us at 800-589-0465 for a review of the free policy even if you have not purchased your policy to us.

When is the last time you reviewed your policy?

not guaranteed premiums Last Level

In most cases, you will not want to make "balloon payments" on your life insurance. Make sure your policy WARRANT your premiums will never go up. permanent life insurance policies Most term and can be structured in this way.

Not Buying Life Insurance

This error does not cost you , but it could be devastating for your family.

The final check you will ever give your family will come to your life insurance company. If the lifestyle of your family depends on the money you make, things are tight when the money stops coming in.

Dying can be expensive, too. A funeral, medical bills, etc. can put a lot of extra financial pressure for your family. Life insurance may cover these costs and give your family resources to maintain the lifestyle you want them to enjoy.

Not Buy Enough

When talking with people about how much life insurance to buy, one of the questions I often ask is, "How long do you plan to be dead?" If you're only going to stay dead for a few years, your life insurance only to replace the value of a few years back.

If your death is likely to be permanent, your policy should reflect this.

(sarcasm Intentional above!)

How many years of income you want to provide for your family? Our super-easy life insurance calculator can help you determine how much life insurance is enough to properly protect your family.

Questions?

We are here to give you all the information you need to make informed decisions about life insurance. Give us a call 800-442-9899 we will help you avoid these and other mistakes that could cost you thousands of dollars and avoid unnecessary stress on the long term.

You can get your life insurance quote for free here. It only takes a minute or two.

Hannah Schwartz - "When life hands you lemons"

Like John Lennon song goes, "life is what happens to you while you're busy making other plans." Sometimes things in life that we worry about most end up not being a hill of beans . Conversely, there are things that are not on our radar screen that can affect you never saw coming. Take life insurance . Let's face it, most of us do not like to think about life insurance. But it's one of those things that can be a lifesaver. Life insurance is one of the most important parts of the overall financial plan for the family. Those who have life insurance know how it can be. And those who do not, wish they had. Just ask Hannah Schwartz.

Hannah's mother, Laura, who died suddenly at the age of ten. And to make matters worse, his father lost his life insurance when he changed jobs before Laura fell ill. So when she died, the family did not have that additional financial resources to help them get their lives. And what happened to Hannah and her father is not unique.

To hear more from Hannah history, watch this video.

Born and raised in the northwest suburbs of Chicago, account executive Tracy Anderson has two children who keep him on his toes and boyfriend support to start. After working as a teacher for many years, she came to AccuQuote, where his passion for education transformed by helping to educate families about why it is so important to get life insurance.

1) How long have you been with AccuQuote? I started working at AccuQuote in October 2014.
2) How did you start selling life insurance? I have several family members in the insurance sector, and I was told constantly that I would do well in the industry with my experience in education, sales and coaching.
3) do you have any additional personal experiences that could have led you to a career in life insurance? Yes. My ex-husband is dead for more than four years and he has no life insurance. So we did not even have enough money to pay his funeral expenses. We left with nothing but a mountain of bills.
4) What is your most memorable interaction with a policy holder? there a few weeks I was on the phone with a young woman in her 30s who has just learned that she could have a cervical cancer. She cried. I shared with her my own story of cancer survival. lung cancer a few years ago I was diagnosed. I was given only one chance to make it past five years, to 5 percent. Well, I just celebrated my sixth year being cancer free. I told him that there is always hope. You never know what the future will bring.
5) What do you like most about your job? I am a "person" and I love that I can talk to so many different people every day. Yes, we all know that bad things happen to good people all the time. I know I can not prevent bad things from happening, but at least I can assure you that the families that are left will suffer a financial loss as a result of a loved one to leave this world too soon.
6) Why do you think that life insurance is it important? I did not realize how life insurance was until I found that I was insurable because of my recent cancer diagnosis Stage 3B lung to 39 Although I am cancer-free after six years, I still can not get insurance. As a single mother, my children and I really could use the security and protection that offers life insurance. It is one of the reasons I want to ensure that other families are not left without a safety net. It is what pushes me to do my job.
7) What do you think is the best product or the most useful insurance that offers AccuQuote? All our products are great. As my boss always said, "the only way to win the game of life insurance is to die with existing policy."
8) What are your hobbies? I like sport, especially softball. I like writing and dance. and I enjoy my work as a defender of lung cancer.
9) what is your book favorite? I do not have a specific favorite book, but I like to read about American history, especially books about the civil war, World war II and the Vietnam war.

If you want to know more about Tracy, watch this great video.

Colorectal cancer can be treated successfully. But can you still get affordable life insurance?

Clearly, colorectal cancer is a pain in the ass. (forgive the pun.) According to the Centers for Disease Control and Prevention, colorectal cancer is the second leading cause of cancer death in the US Colorectal cancer is a cancer that affects the colon and rectum with tumors forming in the coating of the large intestine.

The symptoms of this cancer include: diarrhea or constipation, blood in stools, frequent gas pains or cramps, sudden weight loss, fatigue and nausea or vomiting. Tests of this type of cancer include colonoscopy and check for blood in the stool. The National Institute of Health recommends that men and women are beginning to get a colorectal cancer screening after 50 years of

The good news is colorectal cancer is treatable by surgery, radiotherapy, chemotherapy or a combination of these therapies. It goes without saying that the sooner the cancer is detected, the better prognosis for recovery.

The better news is that you might be able to get life insurance - even if you have been diagnosed with colorectal cancer or are currently in recovery. Insurance companies look at stage cancer and quality for determining the insurance rate fits their parameters and criteria.

For more information, watch this short informative video. Howard Weissman, Expert Medical AccuQuote pricing, will tell you more about how you may be eligible to buy life insurance -. colorectal cancer even you had

Everybody ANYONE who financially as life insurance needs. It is an excellent, affordable to help protect the financial future of your family when you die. And if you think you'll live forever, the last time we checked, the chances of death are still 1 of ONE . (Brilliant, right?)

Questions? Feel free to reach out to us at any time. And you talk to a real person! (incredible, right?) We take the stress of shopping for life insurance. (How's that for intestinal fortitude?)

Contingent Beneficiary of life insurance -What you need to know

Simply said, a beneficiary of life insurance quota is someone you name that will receive the insurance proceeds if your beneficiary dies before you or die along with you.

for example, if John Doe dies before me, the benefits should be paid to my son, James Smith and daughter Jane Smith equally.

Is it important to have a beneficiary of life insurance quota? Yes because you clearly state your wishes and there is no room for uncertainty.

What is the insurable interest

Many people often ask the question "what is insurable interest and why is it a must have when buying a life insurance policy? "The purpose of life insurance policies, everyone is deemed to have an insurable interest in their own lives and the lives of their spouses and dependents. For life insurance, the interest must exist at time of subscription. trading partners can have an insurable interest in the other. a company may have an interest in the lives of its employees, especially key employees.

However, insurable interest must exist at the time of subscription. This means that people can sell their life insurance policy to anyone they want in a transaction "regulation of life." A life settlement is the sale, assignment, transfer or bequest of the death benefit or ownership of a life insurance policy by the policy owner. Typically, the owner of the policy receives money (usually exceeding the policy's cash surrender value but less than the full amount of the death benefit). The settlement company for life becomes the new owner and beneficiary of the policy and is responsible for paying all future premiums. In case of death of the insured, the death benefit is paid to the settlement company life.

November is long-term awareness care (LTC) months. If you've never considered care insurance, take time now to go through the facts and consider these tips.

care insurance is not as expensive as you might think. Today, LTC providers are doing everything possible to make affordable LTC insurance. They come with a number of practical offerings such as:

• Adding a driver SLD to your life insurance policy. Your life insurance policy will cover the LTC expenses if you need, and it will be deducted from your final death benefits.
• Married couples with separate policies can share a plan. When a spouse dies without using LTC benefits, these benefits go to the surviving spouse.

The LTC costs are great. If you need long term care costs are significant and could quickly eat your savings. Did you know that the average cost of being in a nursing home is more than $ 80,000 per year and hiring a home health aide under license is about $ 20 an hour?

Medicare and Medicaid can not cover the cost of LTC. You must qualify to be eligible for Medicaid - it is only available to persons whose assets fall below a certain support. Medicare only covers skilled care. Your insurance does not cover the costs of long term care.

Your family may not be able to provide long-term care. Many families are strapped for cash and can take on the part of the caregiver. This can be extremely taxing, especially if it is done for a long period of time. There are cases, too, when the family may not be available due to work or other commitments that have taken them far from home. For these and other reasons, it makes sense to consider putting a LTC policy in place now.

The longevity is increasing and so is the number of chronic diseases. People are living longer these days. In 2010, the number of people aged 65 and over accounted for 13 percent of the population of the United States. This should increase to 20 percent by the year 2020.

According to the Home Survey, the number of people aged 65 and over living in nursing homes in 04 was 1 3 million national nursing. The number of people in need of home health care in 04 was 1 million. These figures should continue to grow.

consider carefully the exclusion period. Many people choose the 0-day exclusion rule that qualifies you for a cheaper policy. Statistics show that 70 percent of those living in nursing homes were evacuated within 0 days. If your exclusion period is 0 days, you will be eligible for benefits if your stay is over 0 days.

The best time to buy is about 55 years . This is the time when you can fairly evaluate your property that you look forward to retirement. Ultimately, you need to find an affordable policy that works for your health profile. If you have a family history of diseases related to age, you may want to consider increasing your maximum daily benefit (MDB). If you need help in choosing the right policy for your needs, go ahead and contact us at AccuQuote. One of our impartial advisors can guide you in this important decision.

The truth about life insurance does not hit home in a better way than a true story. The story of Melina is just that, and it is apoignant reminder to all that a difference of life insurance could do.

Melina Ahmadpour AccuQuote visited recently (watch the video here). Its history is as comforting as it is inspiring, and I felt compelled to share it with you.

Like many girls her age, Melina Ahmadpour had a happy childhood. She dreamed of becoming a literary artist. But life took a tragic turn for this young woman three weeks after high school. Her mother was diagnosed with terminal cancer, forcing Melina to put his life on hold.

The mother Melina had never thought of buying a life insurance policy. With increasing financial difficulties (mainly due to the attachment of medical expenses), their home was lost to foreclosure. The future starts to look dark.

After Melina's mother died, she and her sister had to find a way to get by financially. It controls for jobs and lost his scholarship. In 23 years, she held 10 jobs and moved five times. His desperation led her to seek funding and that is when she came through life Happens program. Lifehappens each year offers scholarships for people like Melina who do not have the benefits of a life insurance policy.

As part of the application process, Melina had to tell his story. Life happens he was awarded a scholarship of $ 7,500 studies, with wings to his dream of a college education. She landed later, a life insurance sales training. While investigating the death benefit, all she could think about was how a death benefit would have meant to her and her sister. It could mean not having to shop at the store 99 percent; have a place to live; be able to get an education; and not have to live this story. It could have meant negotiating all its security concerns that supply life insurance.

The visit of Melina to AccuQuote reminded us all that sometimes the savings may not be enough. Social Security may not be enough. But having a life insurance policy in place can help to prevent similar things from happening to your loved ones. It also reminds us that AccuQuote offers unique advantages for customers looking to protect their most important assets -. Family

At AccuQuote, we work hard to make the life insurance shopping process as quickly and easy as possible for our customers.

one of the best life insurance companies we work with a new program that makes it even easier to buy more temporary life insurance without review medical and with a minimum of formalities. Here's how it works

If you purchased your current life insurance policy over the last five years, you may be eligible for the additional purchase of term life insurance of $ 250000-1 $ million without the required medical examination provided that your health has not declined.

Find out if you qualify for this fast and easy way to increase your insurance without-term review by calling us at 877-08-5093. If your life has changed, it should not be your life insurance needs change as

In the short video below, I explain a kind of life insurance, you can get without a medical examination: Insurance guarantee issue life. In this case, there is no need to have a current policy. If you have health problems that prevent you from qualifying for a traditional life insurance policy, or if you prefer the medical examination and the subscription period, the guaranteed issue coverage may be an attractive option for you.

Calvin Lampert purchased AccuQuote life insurance in 06. In 2012, we reached out to Cal - needs have changed and he realized need another term policy $ 350,000.

Two months before our appeal in 2012, Cal had a physical examination showed he was healthy. However, the insurance company would not approve new Cal $ 350,000 term policy without additional testing. AccuQuote never heard of Cal again until this year.

This year when we arrived again, Cal realized he was talking to his original agent. Cal yelled,

"I love you, you saved my life. I do not remember your name if I could not get in touch with you to thank. "

Why not Cal followed with AccuQuote in 2012?

Cal was very upset that he had to undergo additional medical tests for the new policy, but he did it anyway. Immediately after the test, the doctor called. "I have bad news for you. You have a lock and you have to go to a surgeon immediately. "

How could this happen? Cal has a 95% blockage in his carotid artery when only two months before his physical showed he was healthy! The doctor explained that it is a killer silent because most people have a brain vascular accident or just die without knowing they had a problem.

fast forward to 2014, on the call with our advisor, Cal said emotionally " If were not for you, I might not be here today. I can not thank you enough! ... I myself am the election of the president of the fan club AccuQuote and I will tell everyone who listens to your business. "

We often take small moments in life for granted. Protect the little moments of your life by purchasing life insurance. We want to know why you need life insurance. Share your story yourstory@accuquote.com

Now that you know the secret to winning the game of life insurance (DIE WITH YOUR POLICY iN EFFECT!), it's time for some real-world examples.

I told you earlier that the secret can work with the term, universal life, or any other type of life insurance. Now I'll show you exactly what I mean.

Winning the game with term life insurance

On the surface, the only way to win the game with the term life insurance is to do something you do not want to die, before you're supposed to (die young is not exactly ideal, at least in my mind). But even if you do not die before your time, term could still work, but only if you're smart enough to "convert" your permanent insurance policy before losing the right to do and then stick to long enough to cover die with her in force.

What about permanent insurance?

it costs more to run, but it has a level premium for the rest of your life

Consider this example :. I bought a policy last year to 55. ... $ 1 million coverage years at a price of just over $ 10,000 per year. Assuming I am 85 years old, I made 31 payments of $ 10,000, or about $ 310,000. My family will receive $ 1 million tax-FREE for a gain of $ 60,000. This is a rate of return of more than 7% after tax, and the equivalent rate of return before tax, at least for me, is more than 11%, and is, a conservative fully guaranteed contract, issued by several billion, rated a + financial institution that has been around for over 100 years.

And remember, this high efficiency is if I die when I'm supposed to. If I die early, then my really cost-effective policy. Yields are astronomically high. When I bought my policy, I tried to understand a scenario in which I could live long enough to make the purchase of a bad deal. The fact is, I can not. Even if I live to 100, I always WON the game

look at another example, one that is more representative of our customers on average. Age 43, female. $ 500,000 policy, lifetime guaranteed premium of about $ 2,500 per year. Say she lives to 86 years it will have paid $ 2,500 times 43, or a total of $ 107,500. Again, at his death, his family would receive $ 500,000 tax free ... ... for a net gain of $ 392,500. The internal rate of tax return AFTER which is over 7.5%. The before-tax equivalent is, again, right around 10 or 11% depending on your tax bracket.

In today's world of ZERO interest, where can you go and get as high yields without taking market risk?

choice is yours

Some people ask, how the life insurance company can make money on a policy when they are back to a rate of return 7% die to life expectancy, and an astronomical return if you die early? Especially when they are only earning about 5-6% of the premiums you pay for!

If you do not listen, they do not make money on these policies. Again, if you die YOUR POLITICAL FORCE, the insurance company will lose money on it. People who buy and DROP policies before they die are those who fund returns for people who are smart enough to DIE WITH THEIR POLICIES IN FORCE. Look like this: the losers pay the winners, and the house (the insurance company) takes a small cut. I know it sounds crazy, but it really is as simple as

Here's the bottom line. To win the game of life insurance ... you must have a policy that you will be able to keep until death. Now, for most of us this means a policy with a predictable, and affordable level premium for life.

The choice is yours. If you have a life insurance policy, you are either going to win the game, or you will lose the game. We want our customers to win. When you call us at 800-442-9899 or get a free quote on AccuQuote.com, we will tell you how to win, and give you simple ways to get there. As always, it will be to you whether you decide to take our advice.

If you are a regular reader of this blog- and if you are not, you should be! -Then you know that I have written about the use of marijuana and how it affects life insurance before.

Well, as several states have legal recreational use, the life insurance companies see how the drug is increasingly important and relevant. Media cover this as well, as evidenced here. AccuQuote was quoted in this article, which is informative and helpful.

Specifically, the story focuses on how some carriers classify marijuana users than non-smokers. This means that you might not face a penalty if you smoke pot smoking.

Bloomberg journalist Selina Wang also points out that you need to shop around to ensure you get the best rates.

Hmmm ... different life insurance companies purchase so you get the best rate? It's an interesting concept ...

This is exactly what we do here at AccuQuote!

Whether marijuana use, diabetes, or other health habits or lifestyle that may affect your rate, you need to shop around before purchasing a life insurance policy. Even if you are in great shape, you will almost always save money by shopping for the best values.

This is what we are here to do! And it only takes a few minutes!

It's time to think about things that you probably do not want to think about: age, wear diapers, and not be able to take care of ourselves.

In other words, we need to discuss and you need to consider long term care insurance long ... and not just because November is the long-term care awareness month.

Why? Because, according to USA Today , there is a 70% chance that you will need long term care after reaching the age of 65. If you do the math, that means there a chance of 91% that you or your spouse will need long term care at some point. All this means that it's a safe bet that if you purchase some form of long term care insurance, you will actually need on the road.

How do you get insurance Long Term Care?

There are two ways to make sure that you are covered with long term care insurance you can either buy a life insurance policy with a rider of long-term care, or you can purchase a separate insurance for long term care. With these options you want to receive funds to cover the care needed for activities of daily living or severe cognitive impairment (if you qualify), including home health care, assisted living, houses nursing, etc.

Why should you consider a long-term care insurance? Why buy as a pilot?

At AccuQuote, we can help you whatever you want, but here are some compelling reasons you have to explore the purchase of long-term care insurance as a rider added to your life policy:

• live in care can cost $ 0 per day and a nursing home can be up to $ 300 per day (and today, it will only cost more years from now!) - which is as much as $ 219,000 per year if you and your spouse need care at the same time. Without long-term care insurance, the financial burden may fall to your children or other relatives (that is, after your savings have been completely destroyed!)
• Standalone assurance of long-term care can be very expensive, and the rates can be raised at any time; LTC rider premiums are guaranteed not to increase as long as your policy is in force
• There is a waiting period of 0 days before the traditional long term care insurance policies will start to pay your advantage !; NOT the case with many LTC rider policies!
• The premiums could be wasted if you buy an independent policy and never file a claim!
• a long term care rider is a surprisingly affordable addition to a traditional life insurance policy

How does it work?

With a LTC rider, the death benefit of life insurance is like a pot of money. It can be used for long-term care or it goes to your family (win-win) when you die. For more information, see the video below.

As I mentioned earlier, we are here to support you in whatever choice you make. If you have questions about long-term care insurance or how a traditional life insurance policy can be used to cover the cost of long term care, call us at 800-442-9899 . One of our specialists will help you analyze your needs and determine what type of coverage may work better for you. Or, if you prefer, you can request a free quote long term care insurance HERE . Just enter your information and someone will call you to discuss your options.

Born and raised in Chicago, Bill graduated from Roosevelt University. A horse enthusiast for many years, he worked as an accountant for a stable harness racing, and ultimately the property, ran and stood harness and thoroughbred horses as well. It was then that Bill began selling insurance. His first clients were jockeys and horse trainers that assured for life and disability insurance. By the time the bill came to AccuQuote, he had years of horse sense under his belt. The bill has been happily married for 33 years to his lovely wife, Laurie.

1) How long have you been with AccuQuote? Since January 01. I am now 15 years.
2) How did you start selling life insurance? I answered a blind ad.
3) What is your most memorable interaction with a policyholder? Yes, he paid a claim to the widow of a client. I went to the house of the widow and handed him a check. It is a very vivid memory.
4) What do you like most about your job? Knowing that I will help the beneficiaries remain in their so if something happens to the insured person, this policy gives more options survivors "own world." - Whether to help stay in family in their home, or let the children continue to go to the same school, or help the surviving spouse of work to be able to work less and spend more time with their young children. - we help families stay together.
5) Why do you think that life insurance is it important? life insurance gives families peace of mind and protection coins, giving their dollars when they are most needed.
6) What do you think is the best or most useful insurance product AccuQuote offer? our insurance products are great. Basically any policy that the policyholder was in force when they die is a good policy.
7) What are your hobbies? Watching sports. I love hockey, horse racing, baseball, football and basketball.
8) What is your favorite book? "How to Win Friends and Influence People" by Dale Carnegie.

For more information on the bill, watch this great video. As Account Executive AccuQuote, Bill takes his work to heart. He really likes to help people.