Danny Ray

All Posts By Danny Ray

Danny Ray is a nationally licensed life insurance expert and Founder of PinnacleQuote Life Insurance Experts, with over 30 years of experience helping families in all 50 states secure tailored coverage—especially final expense, term life, and impaired risk cases. Featured in outlets such as Forbes, Yahoo Finance, MarketWatch, Nasdaq, GoBankingRates, AOL, and MSN, he focuses on clear, consumer-first education around life insurance and financial protection. Guided by his Christian faith, Danny approaches every client as a stewardship responsibility—prioritizing honesty, transparency, and no-pressure guidance through PinnacleQuote.com and InsuranceForBurial.com.

Burial Insurance for Seniors Over 70: Best Rates and Tips

Burial insurance rates for seniors over 70 depend mainly on age, gender, health, tobacco use, and whether the plan is level-benefit (day-one) or graded/guaranteed issue. Most seniors over 70 can still qualify, but pricing and approval paths vary by health profile. Quick Answer Burial insurance rates for seniors over 70 usually rise each year with…

Is TruStage Life Insurance worth it in 2026—or will you overpay for less coverage?

TruStage life insurance reviews usually mean one thing: you want something simple, you see it through a credit union, and you’re trying to avoid a long underwriting process. What you’re really worried about is, “Am I buying convenience… and paying for it forever?” That’s the core issue with TruStage for many families in 2026. It…

Are Burial Insurance Costs by Age in 2026 Higher Than Your Family Expects?

If you’re Googling burial insurance costs by age, you’re really asking a deeper question: “What will my family actually owe when I’m gone—and how much do I need to pay each month so they’re not scrambling?” Funeral prices keep creeping up. The NFDA reports the national median cost of a funeral with viewing and burial…

20 year term life insurance rates by age in 2026

20 year term life insurance rates by age typically rise each year as you get older, and the 20-year term is often priced higher than shorter terms because the insurer is on the risk longer. Quick Answer 20 year term life insurance rates by age are sample monthly premiums that usually increase as age increases.…

10 year term life insurance rates by age chart (2026 Sample rates)

In 2026, 10 year term life insurance rates by age are usually lowest in your 20s and rise each year as you get older. Use the quick answer and widget below to compare sample monthly premiums by age, sex, and coverage amount. Quick Answer A 10 year term life insurance rates by age chart compares…

Senior term life insurance rates by age (Sample Rates) 2026

In 2026, this senior term life insurance rates by age chart gives you fast sample pricing for ages 60–79, by sex, coverage amount ($250,000 to $1,000,000), and term length. Quick Answer In 2026, a senior term life insurance rates by age chart shows how premiums rise each year and jump with longer terms. Use the…

Are Term Life Insurance Rates by Age in 2026 Still the Cheapest Way to Protect Your Family?

When you look at term life insurance rates by age, what are you actually asking? Deep down it’s usually, “How much will this cost someone like me, and am I already too late to get a good deal?” In 2026, the basic rule hasn’t changed: the younger and healthier you are when you apply, the…

Are Life Insurance Height & Weight Chart Guidelines Really the Key to Getting Approved in 2026?

When you first hear life insurance height & weight chart guidelines, the real question in your head is usually, “Am I too heavy for approval—or will they use this to jack up my rate?” Every carrier uses its own build chart. Two companies can look at the same height and weight and put you in…

Are Whole Life Insurance Rates by Age Charts the Best Way to Compare Policies in 2026?

When you look at whole life insurance rates by age charts, what’s the first question that pops into your head? It’s usually something like, “Are these numbers real for someone like me, or is this just another sales trick?” In 2026, whole life premiums are higher than term life because the coverage can last your…

Mortgage protection life insurance guide—home and shield graphic with PinnacleQuote branding

Is Mortgage Protection Life Insurance in 2026 Really the Smartest Way to Protect Your Home and Family?

When you start searching for mortgage protection life insurance, you are not just buying a policy—you are trying to answer a hard question: “If I die early, can my family keep this house without going broke?” Banks, mailers, and online ads all promise “state-regulated” or “special” mortgage protection offers. They sound official and urgent. What…

Mutual of Omaha Life Insurance Rate Chart 2026 (Whole Life & Burial) — Rates by Age

When you search for a Mutual of Omaha life insurance rate chart, you are usually asking one simple question: “What will this actually cost me every month?” You do not want guesswork. You want clear numbers so you can decide if Mutual of Omaha fits your budget and whether it is better than plans you…

Young parents smiling with two children at home, illustrating how 40 year term life insurance from PinnacleQuote helps protect family income and future needs.

Is 40 Year Term Life Insurance the Smartest Way to Protect Your Income Until Retirement?

If you are looking at 40 year term life insurance in 2026, you are probably asking a deeper question than, “What is the cheapest policy?” You are asking, “How do I protect my income, my family, and my mortgage for as long as I realistically need it?” Maybe you are in your 20s or 30s…

Alt Text (for accessibility & SEO): A multi-generational family — adult children, elderly parents, and young grandchildren — happily embracing in a sunlit park with blooming cherry blossoms. A subtle glowing shield surrounds the grandparents, symbolizing protection. Text overlay reads “Burial Insurance for Your Parents” and “Is Burial Insurance for Your Parents the Smartest Way to Protect Your Family?”

Is Burial Insurance for Your Parents the Smartest Way to Protect Your Family in 2026?

If you are searching for burial insurance for parents in 2026, it is probably because you are asking a hard question: “If mom or dad passed away tomorrow, how would we actually pay for everything?” Maybe you have already seen GoFundMe pages for other families, or you have watched a sibling carry the whole bill…

What Is the Most Affordable Life Insurance for Seniors in 2026?

Are you over 60 and wondering if life insurance is still affordable—or even necessary? What if the right plan could give your family peace of mind for pennies a day? In this guide, we’ll break down how seniors can still qualify for life insurance—even with health issues—and lock in affordable rates heading into 2026. PinnacleQuote…

Is PinnacleQuote Truly the Best Insurance Broker in Jacksonville for 2026?

If you’re searching for the best insurance broker in Jacksonville, what you’re really asking is, “Who can I actually trust with my family’s protection?” Most ads promise low rates, but they don’t tell you what happens when you’re over 50, have health issues, or have already been declined somewhere else. That’s where PinnacleQuote is different.…

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