Guaranty Association Benefits Company

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.