TOP LIFE INSURANCE COMPANIES ~ 2018 Review

Written by Danny Ray

Quick Tip: If you are looking for a quote with the top carrier and best price, fill out the form on the left and the quotes will reveal themselves immediately

10 Best Life Insurance Companies

Are any of us really equipped for adult responsibilities? LOL Well, on your list of priorities inquiring about life insurance should be in the top 3 things to do today! At the very least!

Unsure where to start? The plan is a simple thing.  First,you can start with a simple google search. Look up some carriers, get acquainted with what they have to offer. Second,write down some questions. Third, contact a trustworthy, seasoned independent agent to help guide you though the process.  But, we will get into that a little more later! 


Top 10 choice for Life Insurance

PinnacleQuote's Top 10 Life Insurance Carriers

Now, choosing which of the best insurance companies in the United States to go with is one of the most important financial decisions of your life.

 Therefore, it’s extremely important to do a solid amount of research before choosing.

I mean, it’d be crazy not to compare the best life insurance companies before deciding, right? Below, we’ll list the top 10 carriers, quite possibly some of the largest life insurance companies — may it help you narrow your search.

  • Protective Life
  • AIG 
  • SBLI
  • Principal Life
  • Foresters
  • Assurity Life
  • Lincoln Financial
  • John Hancock
  • Fidelity Life
  • Banner Life
  • Other Life Insurance Company’s To Consider


    What Factors Should I Consider Before Choosing an Insurance Company 

    For Instance, there is no definite ‘right answer’ when it comes to companies. In fact, different companies will work better for different people. It depends on several things, including health, budget, premiums, customer service, policies, etc. Finding the best insurance company for you can be complicated.

    DO COMPANIES VARY BY CATEGORY

    Absolutely. Below, we’ll recommend you a company according to the category. Remember, it’s far more difficult for ‘high risk people to find the right life insurance plan, so if you fall into this category, this may be of great use to you.

    • OVERWEIGHT ~ For anyone overweight looking for a solid plan, we recommend Principal Life. Their policies are top-notch, and they are more lenient about what weight they consider high risk. There are many types of policies to consider.

    NO MEDICAL EXAM ~ BEST POLICY

    For those not keen on getting a physical before applying for no exam life insurance policy is nice, we recommend American National Ins. Company (ANICO). They offer plenty of policies that don’t require a physical.

     Meanwhile, with AIG, people from 50-80 years old are guaranteed acceptance and approval

    No medical exam life insurance

    Top 10 Life Insurance Companies ~ No Medical Exam

    SPECIAL RISK LIFE INSURANCE

    • CANCER SURVIVORS ~  For life insurance for cancer patients and survivors, we recommend Prudential. They are known for taking on high risk individuals that other life insurance companies deny. Their rates for cancer survivors are also low in comparison.
  • TOBACCO USERS ~  For those looking for life insurance for smokers, we recommend Banner Life.  This is a well-rounded company that is particularly forgiving to tobacco users. They offer low-rate life insurance for smokers.
  • DIABETICS ~  For those needing life insurance with diabetes, American General is an excellent option. They are known for offering life insurance to high-risk individuals, specifically those with type 2 diabetes. In some cases, diabetic patients take a maintenance cocktail of blood pressureand cholesterol medication. Keeps the blood levels within normal range.

  • HOW DO I FIND SAFE CARRIER

    There are a few things you’ll need to research. Right off the bat, you’ll want to find out if your state has what’s known as an ‘insurance guaranty fund. This fund assures that the state would pay for your policy in the event that the carrier itself goes down the tubes.

    Next, you can check out A.M. Best — it’s a highly popular company that can help you determine the financial status of a relevant company. To do this, they use what is known as the A.M. Best insurance rating scale. This scale accurately ranks companies on their reliability. It’s a great resource for anyone deciding on a company.

    Moody’s is a different rating agency that works a little bit differently. They keep track of the companies credit history, and they use this information to rate how stable they believe each insurance company to be.


    WHICH LIFE INSURANCE POLICY IS BEST ~ LETS DISCUSS THIS!

    There are several options. For starters, you will want to make sure you have enough coverage.  This includes term life insurancewhole life insurance, universal life insurance, indexed universal life insurance, variable universal life insurance, and no exam life insurance. Which one you choose comes down to preference and circumstance. We’ll highlight these options below


    WHAT IS TERM LIFE INS.

    term life insurance policy is purchased and only lasts a designated amount of time (i.e. 10 years). It’s the most popular option and is cheaper than other types of policies.  However, you must buy a new plan once the date expires, and it’s not the best long-term investment.


    WHAT IS WHOLE LIFE INS.

    Meanwhile, whole life insurance policies cover you for your entire life. Also known as permanent life insurance.  While it is more expensive than a term life insurance policy, the return is greater since the money that is put in accumulates interest over the years. Another benefit is that you don’t need to set up another life insurance plan in the future.


    WHAT IS UNIVERSAL LIFE COVERAGE

    Nonetheless, make your pick between variable, guaranteed, and indexed universal life!  Below, we’ll briefly describe the differences between the three.

    Variable universal life gives you the highest potential money growth, but the least amount of flexibility. Indexed universal life gives the most potential investment options.

    Finally, guaranteed universal life gives the least expensive premiums, with the least upside in terms of investments.

    Best Life insurance Companies

    10 Best Life Insurance Companies


    No exam means you can get a policy without having to get a physical exam. These plans are quicker but cost more money. Of course, policies vary drastically. It’s important to get multiple quotes for diabetic life insurance, for example, in order to sort out the best options.


    BEST LIFE COMPANIES 2018 ~ I COMPARED RATES WITH COMPETITORS

    Check this OUT!!!!

    So first of all, I am not bashing any company. That is not my style. However, with that said,   I personally made a couple of calls to get comparison rates with competitors.  See Below.

    1. State Farm
    2. Allstate

    Face amount $250,000 for a healthy 50 year old male:

    Allstate 

    • 10 years, $72.16
    • 20 years, $104.28
    • 30 years, $201.74

    State Farm   

    • 10 years, $35.90
    • 20 years, $58.95
    • 30 years not available after 45 years of age with State Farm😒

    Both equally wonderful companies.  But here’s the thing, they are fantastic for your home and auto insurance.  Reason being, life insurance is just an add on product.  In some cases, they may sell it as a bundle!  Let me be very clear, you CANNOT bundle life insurance.  So in essence, these agents will make it sound like you can.  End result is you are NOT saving anything!  Average cost for a policy with these companies is 30% – 100% higher than the best rates in the industry.

    In addition, the underwriting is very strict.  In fact, clients get declined based off treatment for cholesterol and blood pressure.  So if you do not want to pay a significant increase in premiums, than do not waste your time with these companies.

    Above all, if you currently have polices with these companies, call us for a policy review and we will save you at a minimal of 25%!  We have over 90% replacement ratio with these policies.

    PinnacleQuote's Simple Process

    We are not in the business of selling. In fact, educating our clients and providing them with the best options is our PRIORITY!! Basing those options on the 

    specific profile of the client. So we tailor make you a

    life insurance policy!


    Best Term Life Insurance Rates  

    How much is that daily latte?

    So you love your latte's right?  That is awesome. I do too!  ☕  The average latte in 2018, costs about $6 bux.  I am probably underestimating this a bit.  Especially depending on where you go to purchase your latte.  At $6.00 a day for 30 days, you are looking at $180 a month!!!  Eye opener for sure! 

    So here is a little fact. A 35 year old could purchase a policy for $22.14 monthly, today, with AIG. Or with Protective for $22.50 a month. Or even with Mutual of Omaha for $22.36 a month!  

    My point? For just under $25.00 a month you could have a life insurance policy in place.  Quite honestly, it is silly and irresponsible not to. The average burial is $9,000 dollars here in Florida. Does your family have that to cover your funeral? What about after the funeral?  How do they survive financially? Your paycheck dies with you!!!

    Remember, life insurance is NOT for YOU!!!  It is who you leave behind. We put life insurance in place for your family to continue to survive financially in your absence. Without missing a beat.  



    Gerber Life College Plan

    Many clients ask us about the Gerber Life College Plan you see advertised everywhere.  I will give you some insight to what it is and why it may not be for everyone.  

    The Gerber College plan is a type of term life insurance policy that creates coverage for a limited time. When you purchase this type of policy or what they call an "endowment"  you get to make the decision on how much value and how long you will wait to collect it. 

    Your monthly premium is determined by length of term and value of policy. This acts like a forced savings account. No matter if the economy crashes you will still get a payout.  However, at the end of the term, you will have to pay taxes on it.  You can also cash the policy in before your term is up.  You will get the value up to that point. 

    Now, if the owner of the policy dies, the family will get the payout then.  So it is a college savings and also like life insurance.  

    Although the type of plan sounds inviting, remember it is not tax deductible. You will you be able to withdraw funds for college. However, those expenses are not tax -free.  We recommend if you are looking to plan for college for your little ones, ask you independent agent at PinnacleQuote to help you make a great choice that will be budget friendly and the right fit for you family. 

    Gerber Life college plan representatives will have a ton of information about this service.  Their phone number is (844) 667-9549.

    Gerber Life Grow Up Plan

    Gerber Life also offers a Grow Up Plan Option.  This provides financial protection while building cash value.  


    PINNACLEQUOTE LIFE INSURANCE SPECIALISTS SHOPPING YOU THE TOP RATED CARRIERS LIKE ABOVE

    Protective

    Principal

    Banner Life

    Protective

    Banner Life

    Protective

    10 years

    10 years

    20 years

    20 years

    30 years

    30 years

    $23.80

    $25.81

    $40.85

    $41.25

    $70.05

    $70.54

    Insert table
    Insert table
    Insert table

    Obviously, as you can see above,  the savings are fantastic!   Remember, We shop you MULTIPLE CARRIERS AT ONE TIME.  These are just a few to give you an idea of the savings.  This means more $$$ back in your pocket!  Where it belongs!


    SHOPPING FOR LIFE INSURANCE IN JACKSONVILLE, FLORIDA RIGHT FROM YOUR OWN HOME ~  HERE IS HOW!

    Customer Satisfaction is guaranteed by PinnacleQuote!! Why?

    When it comes to shopping for the right fit, it can be overwhelming.  All in all, we strongly suggest you contact an independent life insurance agent.  PinnacleQuote is based in Jacksonville, Florida.  However, we have licenses in 49 states.  When you call us, we shop you multiple carriers at one time for the best price!  You don’t even have to leave your house! 

    Everything is done via phone call! I will hold your hand throughout the entire process, and we, at PinnacleQuote most certainly make it simple!  We know you work hard for your money.  For this reason, I believe in saving you money!!! Our motto is Best Price, Best Carrier ~ Guaranteed!!!  We stand behind this. You may find a company to match that, but you will not find anyone to beat that!

    There is no “one size fits all”.  Companies offer different types of products.  In the long run, remember this… all carriers will look at you differently.  Every person is different.  Generally speaking, this is based on Lifestyle, health, age etc..


    YOU DO NOT PAY YOUR AGENT A DIME!!!! ~ ABOUT us 

    My name is Danny Ray. Owner/Agent of PinnacleQuote.  This is what I want you to know about me and about PinnacleQuote!

    Located in Jacksonville, Florida. Duval County.  Home of the Jacksonville Jaguars football team!

    Although our base office is in Florida,  PinnacleQuote is licensed in 49 states! We have clients throughout the United States. We are available 7 days a week!  Monday-Friday 9am-9pm est. and until midnight for our West Coast clients! Saturday and Sundays we are available by appointment.  

    With that said, you can contact us anytime!  We make ourselves available no matter the day, time or place!

    I am YOUR personal independent agent. PinnacleQuote can tailor make you a policy that fits your family’s needs.  Pick my brain!  Ask questions! To clarify, this is what I am here for. In fact, your independent agent works for YOU, not the carrier!  Best part is, you don’t pay me a dime!

    This information is free and we want to educate you in all aspects of the life insurance market.

    As your agent, I compare the rates for you within a matter of minutes. I present you the life insurance products that will be in the best interest of you and your family. 

    For instance, I will provide you the tools, you make the ultimate choice. 

    In fact, if you have done some research on your own and have questions regarding a specific product, ask me!! 

    After all, I am a 25 year veteran in this industry.  I am seasoned and know every product on the market. 

    This is my passion and it is my goal to provide you with the PROPER coverage at the BEST PRICE!!! We WILL find you the cheapest life insurance premiums!

    Danny Ray Independent Agent

    Danny Ray Founder/Independent Agent

    Did you know?

    As agents we are required by law and by all carriers to ask you the following:

    • Family history
    • Health ~ (We will have answers to your health questions as well)
    • Lifestyle questions
    • Build (height & weight)
    • History of medications

    Dependent on answers to the above, this will help determine your rate class, quotes/premium etc.

    Remember, When you speak with us, we will go over your plan options and you will be able to see all choices and make a decision today. Coverage is dependent on if you qualify.  Customer service is our priority. We will do everything in our power to put you with the best carrier with the best price if you qualify.

    Please contact us for personalized service today. PinnacleQuote (855)380-3300

    Danny Ray & Lisamarie Monaco Contributed To This Article
    Danny Ray & Lisamarie Monaco Contributed To This Article

    Quick Tip: If you are looking for a quote with the top carrier and best price, fill out the form on the left and the quotes will reveal themselves immediately

    10 Best Life Insurance Companies

    Are any of us really equipped for adult responsibilities? LOL Well, on your list of priorities inquiring about life insurance should be in the top 3 things to do today! At the very least!

    Unsure where to start? The plan is a simple thing.  First,you can start with a simple google search. Look up some carriers, get acquainted with what they have to offer. Second,write down some questions. Third, contact a trustworthy, seasoned independent agent to help guide you though the process.  But, we will get into that a little more later! 


    Top 10 choice for Life Insurance

    PinnacleQuote's Top 10 Life Insurance Carriers

    Now, choosing which of the best insurance companies in the United States to go with is one of the most important financial decisions of your life.

     Therefore, it’s extremely important to do a solid amount of research before choosing.

    I mean, it’d be crazy not to compare the best life insurance companies before deciding, right? Below, we’ll list the top 10 carriers, quite possibly some of the largest life insurance companies — may it help you narrow your search.

  • Protective Life
  • AIG 
  • SBLI
  • Principal Life
  • Foresters
  • Assurity Life
  • Lincoln Financial
  • John Hancock
  • Fidelity Life
  • Banner Life
  • Other Life Insurance Company’s To Consider


    What Factors Should I Consider Before Choosing an Insurance Company 

    For Instance, there is no definite ‘right answer’ when it comes to companies. In fact, different companies will work better for different people. It depends on several things, including health, budget, premiums, customer service, policies, etc. Finding the best insurance company for you can be complicated.

    DO COMPANIES VARY BY CATEGORY

    Absolutely. Below, we’ll recommend you a company according to the category. Remember, it’s far more difficult for ‘high risk people to find the right life insurance plan, so if you fall into this category, this may be of great use to you.

    • OVERWEIGHT ~ For anyone overweight looking for a solid plan, we recommend Principal Life. Their policies are top-notch, and they are more lenient about what weight they consider high risk. There are many types of policies to consider.

    NO MEDICAL EXAM ~ BEST POLICY

    For those not keen on getting a physical before applying for no exam life insurance policy is nice, we recommend American National Ins. Company (ANICO). They offer plenty of policies that don’t require a physical.

     Meanwhile, with AIG, people from 50-80 years old are guaranteed acceptance and approval

    No medical exam life insurance

    Top 10 Life Insurance Companies ~ No Medical Exam

    SPECIAL RISK LIFE INSURANCE

    • CANCER SURVIVORS ~  For life insurance for cancer patients and survivors, we recommend Prudential. They are known for taking on high risk individuals that other life insurance companies deny. Their rates for cancer survivors are also low in comparison.
  • TOBACCO USERS ~  For those looking for life insurance for smokers, we recommend Banner Life.  This is a well-rounded company that is particularly forgiving to tobacco users. They offer low-rate life insurance for smokers.
  • DIABETICS ~  For those needing life insurance with diabetes, American General is an excellent option. They are known for offering life insurance to high-risk individuals, specifically those with type 2 diabetes. In some cases, diabetic patients take a maintenance cocktail of blood pressureand cholesterol medication. Keeps the blood levels within normal range.

  • HOW DO I FIND SAFE CARRIER

    There are a few things you’ll need to research. Right off the bat, you’ll want to find out if your state has what’s known as an ‘insurance guaranty fund. This fund assures that the state would pay for your policy in the event that the carrier itself goes down the tubes.

    Next, you can check out A.M. Best — it’s a highly popular company that can help you determine the financial status of a relevant company. To do this, they use what is known as the A.M. Best insurance rating scale. This scale accurately ranks companies on their reliability. It’s a great resource for anyone deciding on a company.

    Moody’s is a different rating agency that works a little bit differently. They keep track of the companies credit history, and they use this information to rate how stable they believe each insurance company to be.


    WHICH LIFE INSURANCE POLICY IS BEST ~ LETS DISCUSS THIS!

    There are several options. For starters, you will want to make sure you have enough coverage.  This includes term life insurancewhole life insurance, universal life insurance, indexed universal life insurance, variable universal life insurance, and no exam life insurance. Which one you choose comes down to preference and circumstance. We’ll highlight these options below


    WHAT IS TERM LIFE INS.

    term life insurance policy is purchased and only lasts a designated amount of time (i.e. 10 years). It’s the most popular option and is cheaper than other types of policies.  However, you must buy a new plan once the date expires, and it’s not the best long-term investment.


    WHAT IS WHOLE LIFE INS.

    Meanwhile, whole life insurance policies cover you for your entire life. Also known as permanent life insurance.  While it is more expensive than a term life insurance policy, the return is greater since the money that is put in accumulates interest over the years. Another benefit is that you don’t need to set up another life insurance plan in the future.


    WHAT IS UNIVERSAL LIFE COVERAGE

    Nonetheless, make your pick between variable, guaranteed, and indexed universal life!  Below, we’ll briefly describe the differences between the three.

    Variable universal life gives you the highest potential money growth, but the least amount of flexibility. Indexed universal life gives the most potential investment options.

    Finally, guaranteed universal life gives the least expensive premiums, with the least upside in terms of investments.

    Best Life insurance Companies

    10 Best Life Insurance Companies


    No exam means you can get a policy without having to get a physical exam. These plans are quicker but cost more money. Of course, policies vary drastically. It’s important to get multiple quotes for diabetic life insurance, for example, in order to sort out the best options.


    BEST LIFE COMPANIES 2018 ~ I COMPARED RATES WITH COMPETITORS

    Check this OUT!!!!

    So first of all, I am not bashing any company. That is not my style. However, with that said,   I personally made a couple of calls to get comparison rates with competitors.  See Below.

    1. State Farm
    2. Allstate

    Face amount $250,000 for a healthy 50 year old male:

    Allstate 

    • 10 years, $72.16
    • 20 years, $104.28
    • 30 years, $201.74

    State Farm   

    • 10 years, $35.90
    • 20 years, $58.95
    • 30 years not available after 45 years of age with State Farm😒

    Both equally wonderful companies.  But here’s the thing, they are fantastic for your home and auto insurance.  Reason being, life insurance is just an add on product.  In some cases, they may sell it as a bundle!  Let me be very clear, you CANNOT bundle life insurance.  So in essence, these agents will make it sound like you can.  End result is you are NOT saving anything!  Average cost for a policy with these companies is 30% – 100% higher than the best rates in the industry.

    In addition, the underwriting is very strict.  In fact, clients get declined based off treatment for cholesterol and blood pressure.  So if you do not want to pay a significant increase in premiums, than do not waste your time with these companies.

    Above all, if you currently have polices with these companies, call us for a policy review and we will save you at a minimal of 25%!  We have over 90% replacement ratio with these policies.

    PinnacleQuote's Simple Process

    We are not in the business of selling. In fact, educating our clients and providing them with the best options is our PRIORITY!! Basing those options on the 

    specific profile of the client. So we tailor make you a

    life insurance policy!


    Best Term Life Insurance Rates  

    How much is that daily latte?

    So you love your latte's right?  That is awesome. I do too!  ☕  The average latte in 2018, costs about $6 bux.  I am probably underestimating this a bit.  Especially depending on where you go to purchase your latte.  At $6.00 a day for 30 days, you are looking at $180 a month!!!  Eye opener for sure! 

    So here is a little fact. A 35 year old could purchase a policy for $22.14 monthly, today, with AIG. Or with Protective for $22.50 a month. Or even with Mutual of Omaha for $22.36 a month!  

    My point? For just under $25.00 a month you could have a life insurance policy in place.  Quite honestly, it is silly and irresponsible not to. The average burial is $9,000 dollars here in Florida. Does your family have that to cover your funeral? What about after the funeral?  How do they survive financially? Your paycheck dies with you!!!

    Remember, life insurance is NOT for YOU!!!  It is who you leave behind. We put life insurance in place for your family to continue to survive financially in your absence. Without missing a beat.  



    Gerber Life College Plan

    Many clients ask us about the Gerber Life College Plan you see advertised everywhere.  I will give you some insight to what it is and why it may not be for everyone.  

    The Gerber College plan is a type of term life insurance policy that creates coverage for a limited time. When you purchase this type of policy or what they call an "endowment"  you get to make the decision on how much value and how long you will wait to collect it. 

    Your monthly premium is determined by length of term and value of policy. This acts like a forced savings account. No matter if the economy crashes you will still get a payout.  However, at the end of the term, you will have to pay taxes on it.  You can also cash the policy in before your term is up.  You will get the value up to that point. 

    Now, if the owner of the policy dies, the family will get the payout then.  So it is a college savings and also like life insurance.  

    Although the type of plan sounds inviting, remember it is not tax deductible. You will you be able to withdraw funds for college. However, those expenses are not tax -free.  We recommend if you are looking to plan for college for your little ones, ask you independent agent at PinnacleQuote to help you make a great choice that will be budget friendly and the right fit for you family. 

    Gerber Life college plan representatives will have a ton of information about this service.  Their phone number is (844) 667-9549.

    Gerber Life Grow Up Plan

    Gerber Life also offers a Grow Up Plan Option.  This provides financial protection while building cash value.  


    PINNACLEQUOTE LIFE INSURANCE SPECIALISTS SHOPPING YOU THE TOP RATED CARRIERS LIKE ABOVE

    Protective

    Principal

    Banner Life

    Protective

    Banner Life

    Protective

    10 years

    10 years

    20 years

    20 years

    30 years

    30 years

    $23.80

    $25.81

    $40.85

    $41.25

    $70.05

    $70.54

    Insert table
    Insert table
    Insert table

    Obviously, as you can see above,  the savings are fantastic!   Remember, We shop you MULTIPLE CARRIERS AT ONE TIME.  These are just a few to give you an idea of the savings.  This means more $$$ back in your pocket!  Where it belongs!


    SHOPPING FOR LIFE INSURANCE IN JACKSONVILLE, FLORIDA RIGHT FROM YOUR OWN HOME ~  HERE IS HOW!

    Customer Satisfaction is guaranteed by PinnacleQuote!! Why?

    When it comes to shopping for the right fit, it can be overwhelming.  All in all, we strongly suggest you contact an independent life insurance agent.  PinnacleQuote is based in Jacksonville, Florida.  However, we have licenses in 49 states.  When you call us, we shop you multiple carriers at one time for the best price!  You don’t even have to leave your house! 

    Everything is done via phone call! I will hold your hand throughout the entire process, and we, at PinnacleQuote most certainly make it simple!  We know you work hard for your money.  For this reason, I believe in saving you money!!! Our motto is Best Price, Best Carrier ~ Guaranteed!!!  We stand behind this. You may find a company to match that, but you will not find anyone to beat that!

    There is no “one size fits all”.  Companies offer different types of products.  In the long run, remember this… all carriers will look at you differently.  Every person is different.  Generally speaking, this is based on Lifestyle, health, age etc..


    YOU DO NOT PAY YOUR AGENT A DIME!!!! ~ ABOUT us 

    My name is Danny Ray. Owner/Agent of PinnacleQuote.  This is what I want you to know about me and about PinnacleQuote!

    Located in Jacksonville, Florida. Duval County.  Home of the Jacksonville Jaguars football team!

    Although our base office is in Florida,  PinnacleQuote is licensed in 49 states! We have clients throughout the United States. We are available 7 days a week!  Monday-Friday 9am-9pm est. and until midnight for our West Coast clients! Saturday and Sundays we are available by appointment.  

    With that said, you can contact us anytime!  We make ourselves available no matter the day, time or place!

    I am YOUR personal independent agent. PinnacleQuote can tailor make you a policy that fits your family’s needs.  Pick my brain!  Ask questions! To clarify, this is what I am here for. In fact, your independent agent works for YOU, not the carrier!  Best part is, you don’t pay me a dime!

    This information is free and we want to educate you in all aspects of the life insurance market.

    As your agent, I compare the rates for you within a matter of minutes. I present you the life insurance products that will be in the best interest of you and your family. 

    For instance, I will provide you the tools, you make the ultimate choice. 

    In fact, if you have done some research on your own and have questions regarding a specific product, ask me!! 

    After all, I am a 25 year veteran in this industry.  I am seasoned and know every product on the market. 

    This is my passion and it is my goal to provide you with the PROPER coverage at the BEST PRICE!!! We WILL find you the cheapest life insurance premiums!

    Danny Ray Independent Agent

    Danny Ray Founder/Independent Agent

    Did you know?

    As agents we are required by law and by all carriers to ask you the following:

    • Family history
    • Health ~ (We will have answers to your health questions as well)
    • Lifestyle questions
    • Build (height & weight)
    • History of medications

    Dependent on answers to the above, this will help determine your rate class, quotes/premium etc.

    Remember, When you speak with us, we will go over your plan options and you will be able to see all choices and make a decision today. Coverage is dependent on if you qualify.  Customer service is our priority. We will do everything in our power to put you with the best carrier with the best price if you qualify.

    Please contact us for personalized service today. PinnacleQuote (855)380-3300

    This entry was posted in Affordable Life Insurance, Life Insurance, Life Insurance Companies. Bookmark the permalink.

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