Guaranty Association Benefits Company

Born and raised in the suburbs northwest of Chicago, Account Executive Alex Schrift has a BA in history of the University of Western Illinois.

1) How long have you been with AccuQuote? I started AccuQuote in June 2013.
2) How did you start selling life insurance? I started my insurance career working on cases of Medicare supplement. After doing this for a while, I find my way to AccuQuote, where I was welcomed with open arms.
3) What is your most memorable interaction with a policy holder? My most memorable customer was a woman that I had to sell a policy, but had to inform him that, if the insurance company has approved, premiums would be higher than the initial rate I had quoted him. But since the price was a little more than she expected, she now plans to cancel the policy altogether. I was afraid because she had two small children at home and no policy to protect his family in case something unforeseen happened to him. Around this same time, one of my good friends was killed in a terrible car accident in 21 years With this fresh in my mind, I said that no one thinks that their life will be cut short so young age. Fortunately, my friend's parents had life insurance, which helped pay the funeral expenses and other expenses. I told him that I care if she bought a life insurance from me, but someone should get coverage. About ten minutes later, she called me back and told me to send him the policy. I was so delighted with his decision. Life lessons, like the death of my friend, are a constant reminder that what I do can help make a difference in people's lives.
4) What do you like most about your job? I think I have one of the best jobs in the world. I help families every day to ensure that when they left, those left are supported.
5) Why do you think that life insurance is important? Life insurance may be the most important product in the world. No member of the family, no friends, no person can adequately replace your family, but life insurance can help. The loss of income of a spouse can be overwhelming, but life insurance is the only product that can intervene at the right time and provide the necessary financial support when you need it most.
6) What do you think is the best product or more useful than the insurance AccuQuote offer? I think one of the best products we offer is a political "Return of premium". This is a win-win for the consumer. You pay your life insurance over a defined period of time (20, 25 or 30 years), and if you are alive when the contract ends, you get every penny back. If you must go, the family receives the death benefit. This type of product guarantees that if the consumer lives or dies, the family will win in the end.
7) What are your hobbies? I love baseball. I'm a big fan of the Chicago Cubs. I try to attend a few games each year. I also love the camp and experience the outdoors.
8) What is your favorite book? "Way of the Warrior Peaceful" by Dan Millman.

For more information on Alex, watch this great video.

Account Executive Jason Howes was with AccuQuote for seven years. He loves his work and enjoys helping clients get life insurance they need. "Life insurance gives people protection against the unexpected turns of life," Jason said. "Because we never know what is just around the bend."

Jason loves his family and loves to read "Green Eggs and Ham" to his children. Click here to read the projectors agent video below.

Ed Katz - "Do the Right Thing"

AccuQuote review of the AE policy specialist Ed Katz been in the insurance industry for over 17 years. His personality and easygoing policy expertise helps customers better understand the hundreds of insurance products available to AccuQuote. We recently sat down with Ed for a cat.

1) How long have you been with AccuQuote? Since August 2015
2) What do you like about your job? Knowing that I am financially protect families and save lives. Any loss of income is devastating. It all button. I love the peace of mind of being an agent gives me. I have an ability to take a complicated product (and process) and explain it in language that is easy for people to understand.
3) Why do you think that life insurance is it important? Because it saves families by giving them money when they need it most. No other product can make that life insurance can. Life insurance always what you think it will do. No surprises or disappointments. It is designed to give you money while you are alive, protect your family financially, and when you die, there will be a salary for your loved ones, so they can survive and continue to maintain the same standard of living that they were used to. As we all know, the bills keep coming regardless of any family tragedy or misfortune. There mortgage and rent, deductible medical insurance and co-pays, prescriptions, utilities, gasoline and so on. Life insurance can help fill some of these gaps financial
4) What is your favorite quote "No legacy is so rich as honesty." -? . William Shakespeare
5) What does this quote mean to you Someone said :? "Honesty speaks the truth about what we did, but the integrity is to follow what is said that she would." I firmly believe that.
6) Could you explain more? I believe that integrity must be based on moral principles. Integrity is to make good choices. Doing the right thing because it is the right thing to do. And if you want to make sure what is the right thing to do, ask yourself these three questions: "How this decision will affect other" "Am I considered how this will make others feel" " will I be proud to tell my parents and teachers I do that? "
7) What music do you listen? Steely Dan and jazz music.

For more information on Ed, watch this great video.

Over 80 percent of Americans are in debt, with the average credit card owner called unpaid costs about $ 10,000 in any given time. But if the debt is created - and paid - properly, then it can be an asset and not a burden

So if you use your credit card to pay your monthly insurance premiums.? It is not a simple decision, but there are a number of reasons why it would be a good idea. For example, if you can pay in full payment by credit card or almost in full at the end of each month, then pay your insurance payment is not a problem. If you tend to miss payments and decide to set up automatic payments through your credit card, it is a better idea to let your insurance lapse because you forgot to pay the bill. In addition, if there is no other way for you to pay for insurance, then go ahead and put it on the credit card. It is best to engage the financial costs of being caught without insurance in case of emergency strike.

However, it is best to work out a monthly payment plan for other major emergency expenses such as medical and dental expenses, and save the credit card charges for purchases you will able to pay for the foreseeable future.

For the purposes of pricing policies, temporary life insurance companies use one of two methods of calculating the age of the insured. "Real Age" is the terminology used by most laymen to describe their age - for example, they are 36 until the day of their 37th birthday, by the time they are 37. "attained age" or "the age closer "is the terminology used by the majority of life insurance companies in North America. Both terms mean the age you're closer. Once you are past your half birthday, they consider you age, you will be on your next birthday.

According to the insurance company, the policies are based on either your "last age" or "nearest age. "The" police Date "(the date coverage begins officially) is the date that will determine your age based on one of two methods.

If we do not specify otherwise, the company insurance will usually issue the policy rate matching whatever your nearest or actual age at the start date of the policy

. It may take several weeks to complete the process and we need to anticipate what will happen for two important reasons. We need to give you the best advice on the selection of a political date so you do not end up paying more than you need for your coverage. We also need to inform the insurance company about what our expectations are from the date of issue so that was can avoid unexpected price changes due to age changes that occur during the underwriting process.

It is quite OK and legal back-date the "police day" up to six months to save your age and save you money. Although we will not do so unless it saves money in the long run, understand that when we back-date to save age, your first insurance year will not be a full year, even if you pay for a full year. In exchange, you get to pay the price of someone a year younger for the rest of the years you own the policy. We'll crunch the numbers in both directions, and to make a meaningful recommendation one way or the other. The choice, however, is always yours. Backdating is not mandatory, just smart in certain situations.

Did you know that life insurance can help you plan your retirement? There are some ways life insurance comes in handy when you set your retirement goals. Think about it ... if you die before your spouse or other family members who depend on you for financial support, your retirement savings account may not be enough.

This is why it is important to include life insurance in your overall retirement plan. Here are three ways life insurance can help you plan for retirement:

1. die Prevent your retirement plans when you - If you die before retirement, your survivors may miss both your salary for living expenses and the money you set aside for the future. People who die prematurely have not had much time to establish an investment program that can really pay. If you have enough life insurance can help pay the expenses of your family may still be there for retirement your spouse
2. Supplement your retirement income -. Suppose your circumstances change and you have no one who needs the product of a death benefit. With a permanent life insurance policy, you have the ability to make policy and to supplement your retirement income with the funds that have accumulated in the account of the cash surrender value.
3. Preserve your real estate assets for your survivors - If you have accumulated a large estate, life insurance can help pay the estate tax bill uncle Sam, preserving assets for your heirs. Or, if your estate is modest, life insurance can provide a legacy for your children and grandchildren, even if you use most of your assets during your retirement years.

Learn more about how life insurance plays a role in all major life events in life happens.

for more information on permanent insurance or long-term life, and for a free estimate of duration life insurance, contact one of the licenses to insurance agents AccuQuote life today. They can help you get your plan started, while long-term life rates are still near record lows!

Insurance costs vary and depend on a number of factors. The age, sex, medical history, occupation and location are some of the factors that go into the calculation of insurance premiums.

Take precautions and cutting bad habits or improve certain lifestyle defects can lead to lower rates.

factors that cause a higher insurance premium rates

1. The smoking or tobacco use. one of the most expensive habits you may have, wise-prime. A cigarette smoker on average may be asked to pay up to 50% more than non-smokers. Quitting smoking will help bring your rate down, but only after a long observation period. Most insurance companies expect at least 1 year before offering a partial refund, and a full three years before allowing parity in terms of premium rates.
2. obesity. By itself, obesity is not a cause of an increase in premium rates, but because most often results in heart problems and / or diabetes, it is considered a decisive factor for the calculation of insurance premiums obesity. If your body mass index (BMI) is a little more than what is considered healthy, your contribution rate will reflect. It is advisable to ensure you are not overweight when go into your medical examination and make sure that your recent medical records do not refer to obesity or because they will be checked.
3. Other medical conditions. cancer, cholesterol, asthma, cardiovascular disease, and even depression can disrupt your contribution rate drastically. All that is indicative of a poor health history will be detrimental to your insurance premium. The evaluator will review the history of your family, too, because some diseases such as diabetes and thalassemia have been known to pass by hereditary or genetic means.
4. Driving records. driving record of an individual is taken into account for calculating life insurance rates. If the individual in question has a propensity to violate traffic laws, it is assumed that he or she is a greater risk in terms of life expectancy, and the premium will certainly reflect. The most innocuous violations such as parking tickets will generally affect insurance rates, but accidents and serious offenses will be.
5. Occupation . People with more dangerous such as motor sport racers jobs, drivers and construction workers are more likely to encounter a fatal accident at work. Therefore, they will pay more. The dangers you put in on a daily basis will definitely affect your insurance rates.
6. extracurricular activities. Your hobby may also have an impact on your insurance rates. If you like sky diving, bungee jumping and other recreational activities that might be considered risky or dangerous, they will end up costing you.

These are the main factors that affect your rates. With AccuQuote.com, simply fill in your details and we will help you run through dozens of major carriers to find a policy that best fits your lifestyle.