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.

SBLI Burial Insurance Review: Is SBLI’s Living Legacy Plan Worth It?

Welcome to our SBLI Burial Insurance Review! Are you considering SBLI’s burial insurance but wondering if it’s the right choice for your family? When looking for final expense insurance, seniors need a plan that offers affordable premiums, guaranteed coverage, and reliable benefits. Burial Insurance Carrier Overview A.M. Best Rating: A BBB Rating: A+ NAIC Complaint…

Selling My Life Insurance Policy: What You Need to Know

Did you know you can sell your life insurance policy for cash? Known as a life settlement, this option provides financial flexibility by converting your policy into a lump-sum payment. Whether you’re facing financial hardship, no longer need the coverage, or want to explore other investment opportunities, selling your life insurance policy could be a…

A group of professional individuals standing together, symbolizing a collaborative team in a Global Life Insurance Review setting.

Globe Life Insurance Review: Pros, Cons, and Payout Reliability in 2025

When evaluating life insurance providers, it’s essential to consider factors such as company reliability, policy benefits, and customer satisfaction. This comprehensive Globe Life Insurance review examines the pros and cons of their offerings, delves into consumer reports, and addresses common questions about their payout processes. Table of contents Overview Premiums and Costs Coverage Options No…

Is the Jonathan Lawson Colonial Penn $9.95 Plan Really Worth It in 2026?

If you are seeing Jonathan Lawson Colonial Penn commercials over and over in 2026, you are not alone. Many seniors start wondering, “If this $9.95 plan is so simple, why does it sound too good to be true?” Maybe you already have some coverage but worry it is not enough. Maybe you have nothing in…

Elderly couple reviewing AARP Burial Insurance details on a tablet.

Is AARP Burial Insurance Really the Best Choice for Seniors in 2026?

Are you looking at AARP burial insurance because it feels simple, familiar, and you just want your funeral costs handled so your family isn’t stuck with the bill? Or are you quietly wondering if you might be overpaying just because AARP is the name you recognize most? What most seniors don’t see in the commercials…

Colonial Penn Life Insurance Rate Chart with two elderly individuals looking dissatisfied.

What Does the Colonial Penn Life Insurance Rate Chart Really Show in 2026?

When you first see the Colonial Penn Life Insurance Rate Chart, it looks simple enough—especially with the constant promise that “everyone pays just $9.95 a month.” But have you ever wondered why the chart doesn’t actually list coverage amounts, age-based premiums, or typical life insurance rate classes like every other insurer in the country? Many…

Promotional banner for 30-year term life insurance, featuring images of life milestones such as a wedding, children playing, a family home, and graduates celebrating, with a dark blue theme and text emphasizing the protection of what matters most.

How Much Does 30-Year Term Life Insurance Cost in 2026—and Is It Really Worth Locking In for 30 Years?

If you are searching for 30 Year term life insurance Cost in 2026, you are really asking one core question: “What will this payment look like every month—and can I live with it for 30 years?” You do not want a random rate chart that ignores your age, health, and coverage amount. You want to…

An adult female caregiver smiling and assisting an elderly woman, symbolizing the support and services offered by the Open Care Senior Plan.

Open Care Senior Plan Reviews (2026): Costs, Waiting Period, and Better Alternatives

If you enrolled today, would your policy pay from day one—or make your family wait two years? This review explains what Open Care actually sells, how pricing and waiting periods work, and how to secure immediate coverage with the right carrier fit. Burial Insurance Carrier Overview Caution: Limited independent ratings A.M. Best Rating Not Rated…

A group of professionals seated around a table

How is American Amicable Final Expense Insurance: 2025 Review

Planning for end-of-life expenses is a crucial aspect of financial preparedness. American Amicable offers final expense insurance policies designed to cover funeral and burial costs, providing peace of mind for policyholders and their families. This comprehensive 2025 review examines the features, benefits, and considerations of American Amicable’s final expense insurance offerings, helping you make an…

Animated illustration of a human body showcasing the circulatory system, highlighting major arteries and veins in detail, intended to represent the concept of burial insurance for individuals with circulatory surgery.

How To Get Burial Insurance with Circulatory Surgery

Finding the right burial insurance with circulatory surgery can be a significant concern for many seniors. This article provides a detailed guide to help you navigate through the options available, addressing common questions and concerns to ensure you find a policy that offers both peace of mind and financial security. Table of Contents Eligibility and…

A doctor with a stethoscope around their neck holding a model of lungs to illustrate sarcoidosis.

Final Expense Insurance with Sarcoidosis Simple Guide In 2025

When it comes to planning for the future, seniors with sarcoidosis face unique challenges, especially in the realm of final expense insurance with Sarcoidosis. This article aims to provide you with information on this topic, ensuring that you, as a senior consumer, can make informed decisions with confidence for you and your family. Table of…

Elderly woman in her home, engaging in daily activities with a sense of contentment, symbolizing peace of mind from having burial insurance with daily living benefits.

Final Expense with ADLs – What You Need to Know

If you are in search of final expense with ADLs, you came to the right place! When it comes to planning for the future, understanding final expense with ADLs is crucial for seniors. This guide is designed to provide you with essential information, addressing common concerns and offering solutions for those looking into final expense…

A stack of documents and a calculator on a desk, symbolizing the paperwork and financial calculations required for burial insurance.

Simple Guide To Burial Insurance Requirements

When it comes to preparing for the inevitable, understanding burial insurance requirements is crucial for seniors seeking peace of mind for themselves and their loved ones. Burial insurance, often referred to as funeral or final expense insurance, offers a straightforward way to manage end-of-life expenses. Table of Contents What is Burial Insurance? Understanding Requirements Application…

A woman undergoing kidney dialysis treatment, sitting calmly with the dialysis machine connected.

Simple Guide To Final Expense Insurance with Kidney Dialysis

For many seniors, the thought of managing end-of-life expenses while dealing with kidney dialysis is a significant concern. Final expense insurance emerges as a crucial solution, offering a way to cover these costs without burdening loved ones. Understanding how this insurance works, particularly for those undergoing dialysis, is vital. This article aims to answer all…

A man visibly in discomfort, clutching the lower abdomen area to signify pain, suggestive of medical issues such as an enlarged prostate.

Simple Guide To Final Expense Insurance with Enlarged Prostate

When considering the twilight years of life, the thought of final expense insurance often comes to mind, especially for seniors with health concerns like an enlarged prostate. This article aims to provide valuable insights offering clarity to those navigating this critical decision. Our goal is to address your concerns and help you and your family…

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