American National
Banner Life

Hear what our clients have to say about their experience!

The PinnacleQuote Difference

Above all, the most important commodities when in search of the best life insurance policy to protect your family is,

  • Best Price/Best Rate
  • Best Carrier(A/A+ Rated with A.M.Best)

These two most important commodities when searching for life insurance comes down to one thing, The Agent you are using!!


For example, there are 3 basic types of life insurance agents.

Captive Agent– Usually only offers 1 companies products, licensed in 1 state, typically your local storefront agent. Very limited on the products they offer, and always proprietary. Chances of receiving the best rate, the best product to protect your family, 2-5%!!

Independent Agent– This agent will offer you multiple carriers, usually up to 5. Also licensed possibly in 2-3 states. Chances of receiving the best rate, the best product to protect your family, 50%!!

NATIONAL INDEPENDENT AGENT–  This is the Pinnaclequote agent, contracted with dozens of carriers with relationships with over 50 of the top carriers in the industry. All rated A/A+. Moreover, licensed in all 50 states, which guarantees the BEST RATE & BEST CARRIER!! Chances of receiving the best rate, the best product to protect your family, 100%!!<

PinnacleQuote Founder Daniel Ray

Hi, my name is Daniel Ray, Founder of PinnacleQuote Life Insurance Specialists. Above all, I want to shed some light on the business principles and commitment to the relationship I have with our clients.

In the past, I have worked at the largest life insurance agency in the country. In fact, I am sure you have seen their ads on TV about shopping and saving.

Furthermore, the one thing that I learned from that experience is exactly what not to do.

Ultimately, the relationship I have with my clients is a lot more than a few letters on a screen and a disembodied voice over the phone.

Unfortunately, at these large agencies, that’s exactly what the client is, just letters on the screen.

Also, the client should come first, however, I have seen the client become a distant third, behind the insurance company and the agency.

That’s just not the way it should be, and I am committed to always putting the client first!! ALWAYS!!

Danny Ray Independent Agent


For instance, from the initial call to the application, then from the underwriting, approval, and finally the policy in your hands, WE will hold you by the hand from start to finish.

Above all, our main focus is to make sure you buy right at the lowest possible price, with the highest rated carrier. But also assist you through the application and underwriting process.


Ninety percent of our reviews say the same thing, Danny Ray just made it so easy.  Danny was informative, Mr. Ray always takes the time to explain in detail and make you feel comfortable.

I am made available, 8:30am-8:30pm, Monday through Friday, I am also on call until midnight EST. Can you reach your life insurance agent at 11:00 pm on a Friday night?

How about 8:00 pm on a Saturday/Sunday night? You can reach me!!

If not, I am the better alternative, after all, you deserve the best!!

I understand how important it is to make sure you have the proper protection for your family and sometimes the simplest of questions need to be answered.

Our Mission

Above all, PinnacleQuote Life Insurance Specialists mission is to make sure we provide our clients with the best options available to facilitate the proper protection for family and loved ones.

The founder has over 29 years of experience in the financial/insurance industry, as a father, husband, and son, he knows tomorrow is not guaranteed.

Again, the main focus is to provide education combined with the best options and let YOU decide what is the best fit for your loved ones after you are no longer here.

In fact, it is imperative what you have envisioned for them financially is kept intact even in your absence.

Unfortunately, death just happens unplanned. Provided that, making sure your family is protected with a pennies-on-the-dollar solution allows you peace of mind.

In other words, knowing that if that day ever comes, although your family will miss you, they will know how much you love them because you made sure they were financially looked after when you are no longer here.

In particular, that is what life insurance is all about. That last way to say I LOVE YOU!!

All in all, we believe in keeping things very simple, it’s life insurance, shouldn’t it be?

We specialize in all life insurance, especially in these areas:

Reach out to us, after spending 10 minutes with us, you will know the reason why!!

We will provide you with exactly what your goals demand!!!

Best Price, Best Carrier, GUARANTEED!!

Here at Pinnaclequote Life Insurance Specialistswe not only specialize in getting the best rates, but we also provide the best options for any health impairment!! We offer the best life insurance nationwide.

With 29 years of experience and relationships with over 50 A/A+ life insurance companies, we will tailor-make you a life insurance policy for your family.

Above all, we only work with the top life insurance carriers.

Give us a call, 855-380-3300, or email me at