Danny Ray - PinnacleQuote
All Posts By Danny Ray
I am a life insurance expert that specializes in final expense, critical illness, Medicare Supplements, and term/UL policies. With almost 3 decades of dedication to thousands of clients, I share my knowledge with you so that you can feel comfortable fulfilling your needs and goals. I am licensed in all 50 states and represent almost three dozen A/A+ rated carriers. You can feel confident that you will not find a better option or a better agent than me.
2022 Life Insurance for Seniors Over 80 [NO WAITING PERIOD]

Can You Get Life Insurance For Seniors Over 80

Did you know that there are life insurance policies specifically designed for people over the age of 80? If you’re looking for life insurance over 80 that will last well into your golden years, you should consider a life insurance policy that’s tailored to seniors. These policies are designed to provide peace of mind in…
Read More
Ladder Life

2022 Ladder Life Insurance Review

Read What Our Clients Say About Us In this Ladder Life insurance review, we’ll discuss the pros and cons of the insurance coverage offered by the company. Ladder Life insurance is an affordable option for coverage that can last up to 30 years. The company offers a variety of policies and plans to choose from,…
Read More
Shop 15-Year Term Life Insurance Policies

Do You Need A 15 Year Term Life Insurance Policy

Read What Our Clients Say About Us Trustpilot If you’re considering a 15-year term life insurance policy, you’re likely weighing the pros and cons of buying a long-term policy versus a short-term one. In this blog post, we’ll explore the pros and cons of 15-year insurance policies so that you can make an informed decision…
Read More
Colonial Penn 995 Plan Per Unit Cost

GIMMICK ALERT! Truth About Colonial Penn 995 Plan Life Insurance

You flip to a channel and find yourself watching Jeopardy with Alex Trebek again. You can’t help but reminisce on your favorite days of watching this show when he would answer all those tricky questions! As the ad finishes up, you notice that for just $9.95 per month (less than 35 cents/day!), there are benefits…
Read More
SelectQuote Life Insurance Versus Independent Agent

The Truth About SelectQuote Life Insurance [BEWARE]

Read What Our Clients Say About Us Trustpilot My name is Danny Ray Founder of PinnacleQuote, and as an independent national insurance agent with clients in every state in the U.S.- they say it’s impossible to compete against SelectQuote Life. I beg to differ! In addition why our slogan is “Put The Client First”, which…
Read More
Benefits of Naming Contingent Beneficiaries

What Is a Contingent Beneficiary

Read What Our Clients Say About Us Trustpilot A beneficiary is a person you designate as receiving assets from your estate if you ever die. You can select a specific beneficiary for a given asset or property that you may own from. Unconfirmed beneficiaries are the parties who may receive assets or benefits when your…
Read More
Why should I choose USAA term life insurance?

USAA Life Insurance Ultimate Review

Read What Our Clients Say About Us Trustpilot For many of us, the idea of life insurance is a bit confusing. We know it’s important, but when we think about our lives and what would happen if something were to happen to us, most people are pretty uncomfortable thinking about life insurance. But it’s not…
Read More
What is life insurance?

7 Reasons You May Need Life Insurance Even if You Think You Don’t.

Read What Our Clients Say About Us Trustpilot Most people are not thinking about life insurance in their 50s because most people’s health declines as they get older. The more time to buy the insurance the bigger its initial price. For a term insurance policy, the average person paying will be around $10-49 per month.…
Read More
life insurance rates for overweight people

Facts About Life Insurance Rates and Being Overweight

Read What Our Clients Say About Us Trustpilot Getting Life insurance for overweight consumers presents rates that are higher. This is because life insurers typically consider these individuals to be at greater risk of dying from heart disease, diabetes, and other weight-related health issues. Despite the statistics that show an increase in life expectancy among…
Read More
Who is Lincoln Heritage

2022 Lincoln Heritage Life Insurance Review [With Rates]

Read What Our Clients Say About Us Trustpilot We do not offer Lincoln Heritage life insurance. In fact, we replace these policies often! Lincoln Heritage Life Insurance Company is a small, family-owned company that has been in operation since 1963. They only sell final expense policies and their products are designed to help your loved…
Read More
Why Do Some People Not Buy Insurance

5 Reasons Why You Must Have A Life Insurance Policy

Read What Our Clients Say About Us Trustpilot Not having or not having enough life insurance when that unexpected day comes could be financially devastating to your family. Above all, Life is full of surprises, some good and some bad. The fact that life has no certainties doesn’t mean you should just accept this reality,…
Read More
Will Covid-19 Vaccination Disqualify Your Life Insurance Policy

The Truth About COVID and The Impact On Life Insurance

Read What Our Clients Say About Us Trustpilot Do you know what will happen if you get a COVID vaccine? And how it can affect your life insurance plan? We’re here to tell you that this little-known vaccination could be affecting your rates and coverage. Ready to find out more about the COVID vaccine and…
Read More
How To Prepare Before the Funeral

Step By Step Guide On What To Do When Someone Dies

Read What Our Clients Say About Us Trustpilot For spouses, siblings, or children of a deceased loved one, the grieving process is already difficult enough. When you are also faced with the task of handling their affairs in order to settle their estate and pay any debts they have left behind it can be overwhelming.…
Read More
Top 5 Things Life Insurance Companies Look at When Applying as a Diabetic

The Truth: Life Insurance with Type 1 & Type 2 Diabetes

Read What Our Clients Say About Us Trustpilot You have diabetes, but are you taking the necessary precautions to protect your family in case something should happen? With life insurance for diabetics, you can ensure that your loved ones will be taken care of and financially stable. The truth is that type 1 and type…
Read More
What Goes into a Life Insurance Quote

What is the Average Life Insurance Cost Per Month

Read What Our Clients Say About Us Trustpilot What is the average life insurance cost per month? Well, that depends on how much coverage you want. The average life insurance costs can vary depending on your age, health, and amount of coverage. Don’t get me wrong, I’m all for being safe when it comes to…
Read More