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.
Life Insurance After a Decline

2024 Guide on Declined Life Insurance and How To Be Approved

If you have recently been declined life insurance for your health, this blog post is for you! We’ll show you the top reasons why life insurers may decline an application and how to get covered. Ready? Let’s go! We’re all trying to save money these days so it might be tempting when a company offers…
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john hancock life insurance

John Hancock Life Insurance Company 2024 Complete Guide

If you are in search of John Hancock Life Insurance, you came to the right place! The John Hancock Life Insurance Company is a well-known provider of life insurance. They have been in the industry for over 150 years and are committed to providing their clients with financial security for themselves and their families. The…
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Genworth

Genworth Life Insurance 2024 Review

Genworth Life Insurance Company offers a variety of life insurance products for senior consumers. Their long-term care insurance policies offer protection against the cost of nursing homes, assisted living, and Alzheimer’s care. They also provide term life insurance with death benefit options to help protect your family from financial hardship after your passing. Genworth has…
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voya Life Insurance

Voya Insurance Company (ING) Complete Guide 2024

If you are in search of Voya Insurance/ING Reliastar, you came to the right place! We know you’re busy. We are too. That’s why we want to make it as easy as possible for you to find the information you need about your insurance options. What they’ll cover so that when it comes time to…
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Life insurance options

What Are My Life Insurance Options?

If you are in search of your life insurance options, you came to the right place! Choosing the right life insurance policy can be difficult, but it’s important to have one in place. Here are some of the different types of policies you may want to consider. Table of Contents Options Term Life Return of…
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Epilepsy and Life Insurance Rates

2024 Guide on Life Insurance With Epilepsy/Seizure Disorders

What about life insurance with epilepsy/seizure disorders? A lot of people think that if they have a history of seizures or some other type of neurological disorder, it means they can’t buy life insurance. This is not the case! In fact, many people with epilepsy are able to purchase affordable and flexible term life insurance.…
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Term Life with Protective

2023 Protective Life Insurance Review

Our blog is about providing information on the best ways to protect your family. We cover all topics from life insurance, health insurance, and retirement planning. Today we will be talking about Protective Life Insurance Company’s new products for seniors. Protective Life Insurance Company has launched a series of new products that are designed specifically…
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Life insurance after quitting cigarrettes

Here’s How Quitting Smoking Can Affect Your Life Insurance

If you’re a smoker, and it’s time to finally stop smoking for good, then you might be wondering what will happen to your life insurance rates. Unfortunately, the answer is that there are many variables at play when deciding how much of a premium change smokers will see when they buy life insurance policies.It’s true…
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Life Insurance Policy for over 50

2024 Guide On Affordable Life Insurance For Over 50

If you are looking for an affordable life insurance for over 50 years old, you are in the right place! There are a lot of myths out there about life insurance and how much you should buy. This blog post will set the record straight on what life insurance is, who needs it, and how…
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Guaranteed Life Insurance Plans

2024 Guide on Guaranteed Acceptance Life Insurance – No Medical Questions

If you are in search of Guaranteed Acceptance Life Insurance, you came to the right place. You’ve heard the old saying, “you can’t take it with you.” But what if there was a way to make sure that your money is always with you? It’s true – life insurance will let you leave your loved…
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Diabetes and Life Insurance rates

Affordable Life Insurance For Diabetics In 2024

If you are looking for an affordable life insurance for Diabetics, you came to the right place. Diabetes is a very serious condition that can have many negative health effects. If you are diabetic and considering life insurance, it may be difficult to find affordable rates because of your pre-existing condition. There is good news…
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life insurance for people with cancer

Life Insurance For Cancer Patients in 2024

You might think that life insurance for cancer patients is impossible, but thats not the case. Cancer is a terrible disease that affects many people. When you are diagnosed with cancer, it can be stressful and scary to think about the future because there’s no telling how much time you have left. Life insurance for…
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Life Insurance No Exam

Finding No Medical Exam Term Life Insurance In 2024

Finding a No Medical Exam Term life insurance is not as hard as you may think. In fact, it is a great option for healthy senior consumers because it does not require a medical exam. It can be taken out at any time and the premiums are typically lower than those for whole life insurance.…
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cholesterol levels too high for life insurance?

Will High Cholesterol Affect My Life Insurance Rates

A common question by many, will high cholesterol affect my life insurance rates? We will go over this and how insurance carriers look at cholesterol and your health overall. Across the country, countless families face health hurdles daily. High cholesterol stands out as a prevalent concern, impacting not only health but also life insurance aspects.…
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Life insurance rates and Smokers

The Truth about Life Insurance for Smokers

If you are looking for the truth about life insurance for smokers, you have come to the right place! Pull up a chair and get your coffee. Let’s dive in! Life insurance is an important part of planning for the future. But what if you smoke? The truth is that smokers are more likely to…
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