Danny Ray

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.

A Simple Guide to Types of Annuities: Benefits, Comparisons, and FAQs

Annuities are long-term investment products designed to provide a steady income stream during retirement. Offered by insurance companies, annuities come in various types, each with unique features and benefits. This article will explore the different types of annuities, compare their rates, discuss their pros and cons, and answer frequently asked questions. Easy Article Navigation Types…

How to Pass Life Insurance Medical Exam In 2023

How to pass life insurance medical exam? If this question is bugging your mind, this article is for you. When you’re applying for life insurance, you may be required to take a medical exam. This exam assesses your overall health and determines whether you are eligible for coverage. To ensure that you receive the best…

Life Insurance For A Stay At Home Mom in 2023

As a stay-at-home mom, you may not think life insurance is something you need. But the fact is, if something happened to you, your family would suffer financially. That’s why it’s even more important to have life insurance for a stay at home mom. There are different types of life insurance policies available, so it’s…

Life Insurance For High Net Worth Applicants

Life Insurance for High Net Worth Individuals in 2023

Is life insurance for individuals with high net worth important? It’s no secret that life insurance is a critical part of financial planning for any individual or family. But did you know that it’s especially important for high net worth individuals? Regardless of your net worth, it’s always a good idea to have some coverage…

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…

2023 Ladder Life Insurance Review (Are they legit)

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, so you can find the perfect one…

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…

Truth About Colonial Penn 995 Plan Life Insurance In 2023

You flip to a channel and find yourself watching a Colonial Penn 995 plan commercial with paid spokesman Jonathan Lawson. As the ad finishes up, you notice that for just $9.95 per month (less than 35 cents/day!), there are benefits like never having premiums go up or ending abruptly – it sounds too good to…

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…

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…

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…

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.…

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…

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…

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,…