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.
Top 5 Things Life Insurance Companies Look at When Applying as a Diabetic

2023 Life Insurance with Type 1 and Type 2 Diabetes

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 2 diabetes greatly increase the risk of cardiovascular…
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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…
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AAA Life Insurance Reviews

The Ultimate AAA Life Insurance Company Review

Read What Our Clients Say About Us Trustpilot If you are looking st AAA Life Insurance Company and you are reading this, it means you are probably sitting at home on a Friday night wondering what the hell to do. We all know that feeling. But I have found the answer! You can be killing…
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low cost burial insurance

How To Get a Cheap Burial Insurance With No Waiting Period?

Read What Our Clients Say About Us Trustpilot Do you have a family member that is approaching old age and is worried about the cost of their funeral? Burial Insurance Plans Whether you choose a Final Expense Life Insurance Policy that covers funeral expenses and then some, a dedicated final expense insurance policy, or funeral pre-payment, you’ll be doing…
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Life insurance for elderly

2023 Guide To Affordable Life Insurance For Seniors Over 75

What’s it like looking for affordable life insurance for seniors over 75? Do you want permanent coverage or lifelong coverage? Or how much coverage do you need? There’s a common misconception that life insurance is only for young people. Or, if you are over age 70 you are not eligible for term life insurance policies.…
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Life Insurance with CHF

The Truth About Life Insurance With Congested Heart Failure

I want to share with you some of my personal experiences when it comes to life insurance, and hopefully help everyone understand what is the best choice for them. I have congestive heart failure which means there’s a chance that I could die soon. When I was asked if I wanted to get life insurance,…
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life insurance for over 70

Complete Rates For Life Insurance Over Age 70

Read What Our Clients Say About Us Trustpilot “The average life expectancy for a man is 76.4 years, and the average life expectancy for a woman is 80.5 years.” The number of people living to be over 70 has increased exponentially in recent decades due to better healthcare, but as we age our health can…
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How Does Life Insurance Work? Will It Help My Family?

The Truth On How a Life Insurance Policy Works

Read What Our Clients Say About Us Trustpilot Many people don’t know that when they purchase life insurance, they are actually purchasing an investment. Better yet, the proceeds of your policy can be used for any purpose you wish! The next time someone asks you what a life insurance policy is and what it does,…
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Are Pre-paid Funeral Plans Worth It

The Truth About Prepaid Funeral Plans [MUST READ]

Read What Our Clients Say About Us Trustpilot We’ve all heard the horror stories of people who have been taken advantage of when it comes to paying for funerals. It’s a sad reality, but one that is unfortunately true. But what if we told you there was a way around this problem? What if we…
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anxiety about the coronavirus

Managing Anxiety Amid Coronavirus In 2022

Read What Our Clients Say About Us Trustpilot If you’re a senior citizen or caregiver for one, then you may be feeling more than a little anxious these days. With the coronavirus in full effect and seniors living longer with chronic conditions, managing anxiety is now more important than ever! Check out this blog post…
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Life Insurance For Medical Professionals

Life Insurance For Medical Professionals [2022 Guide]

Read What Our Clients Say About Us Trustpilot What’s the point of having a 401K if you can’t enjoy it? If you’re a medical professional, there is life insurance for doctors that will protect your family and children from economic hardship in the event of your death. You may have been saving up for retirement…
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When and Why Life Insurance Doesn’t Payout

Read What Our Clients Say About Us Trustpilot Life insurance is an important part of every financial plan. It helps protect your family in the event that you pass away, but what does life insurance not cover? While it can be a lifesaver for dependents, there are several reasons why life insurance may not pay…
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chronic illness rider on life insurance

Buying Life Insurance for People with Chronic Illness

Read What Our Clients Say About Us Trustpilot It can be hard to know how much life insurance is enough when you have a chronic illness. It’s important for people with chronic illnesses to get as many opinions as possible on the amount of life insurance they need because it can vary depending on factors…
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gestational diabetes and life insurance premiums

Gestational Diabetes and Life Insurance [2022 Tricks]

Read What Our Clients Say About Us Trustpilot The last thing that anyone wants to worry about is their health. Unfortunately, many people have to deal with this concern on a daily basis. It’s even more difficult if you’re pregnant and have gestational diabetes. You want the best for your child, but how do you…
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getting life insurance with copd

The Truth About Life Insurance With COPD [2022 Guide]

Read What Our Clients Say About Us Trustpilot As we get older, it is only natural to worry about what will happen if the worst happens. Getting life insurance with COPD can be debilitating, and life insurance is a must-have for those who are diagnosed with this condition. What do you need to know? We’ll…
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