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.
Term Life Insurance

The Truth About Buying Term Life Insurance Online [2022 Guide]

Read What Our Clients Say About Us Trustpilot Did you know that most people who buy life insurance online are actually saving money? It’s true! Insurance is a complicated business. But it doesn’t have to be when you go through an independent agent like me, with experience and expertise in helping consumers find the best…
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Key Man Business Insurance

Benefits Of Keyman Life Insurance For Your Business

Read What Our Clients Say About Us Trustpilot The keyman insurance is a type of business insurance that protects the company in case one or more key employees are killed, disabled, or incapacitated. There are many benefits to having this type of coverage for your business including protection from lawsuits and emotional damages; peace of…
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assurity life insurance

Assurity Life Insurance Top Policies and Best Riders [2022 Review]

Read What Our Clients Say About Us Trustpilot Assurity Life Insurance is a company that offers affordable life insurance for seniors. With so many options, it can be difficult to decide what policy and riders are the best fit for you. That’s why we’ve compiled a list of some of our favorite policies from Assurity…
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Bipolar Disorder

BIPOLAR LIFE INSURANCE RATES [2022 GUIDE]

Read What Our Clients Say About Us Trustpilot I am writing this post to help senior consumers find a life insurance company that will insure them with bipolar disorder. Recently I had a conversation with one of my friends who was diagnosed with bipolar disorder after being hospitalized and he told me how hard it…
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Life Insurance and Marijuana use

LIFE INSURANCE RATES WITH MARIJUANA USE

Read What Our Clients Say About Us Trustpilot Marijuana is a psychoactive drug that is still illegal in many states and countries. However, the legalization of marijuana has been gaining momentum as more people use it for medical purposes. The FDA even approves some medications derived from this drug to treat certain diseases like cancer…
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Life Insurance with Sleep Apnea

AFFORDABLE LIFE INSURANCE WITH SLEEP APNEA

Read What Our Clients Say About Us Trustpilot The post provides the reader with information about how sleep apnea impacts life insurance rates and offers a solution. It is important to ensure that you are properly insured in case of an event like this. This blog post will help you understand more about your own…
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Universal Index Life Pros and Cons

INDEX UNIVERSAL LIFE (IUL) 2022 Review

Read What Our Clients Say About Us Trustpilot As a Senior Consumer, you may be considering purchasing an Index Universal Life insurance policy. This blog post will provide some helpful information to help you make that decision. It will also address the common question of whether or not it is wise to purchase this type…
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Term life Insurance Layering

SAVE OVER 50% By Stacking Life Insurance Policies

Read What Our Clients Say About Us Trustpilot Life insurance is a necessity for many families, but it’s not always an easy decision to make. What if you’re already paying for a car or home insurance policy? To help keep life insurance more affordable, we have created the Life Insurance Stacker Plan. This plan allows…
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Whole Life Coverage

Whole Life Insurance Policies Pros and Cons [2022 Guide]

Read What Our Clients Say About Us Trustpilot The decision to purchase a whole life insurance policy is an important one. There are many pros and cons of these policies that buyers should be aware of before making their decision. One advantage, for example, is the tax-free cash value accumulation with some whole life policies.…
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Life Insurance with heart condition

LIFE INSURANCE AFTER A HEART ATTACK

Read What Our Clients Say About Us Trustpilot We all know that life insurance is important, but what happens when you are diagnosed with a heart attack? If you are lucky enough to be able to get coverage through your employer or by getting it on the individual market, then you will have some options.…
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Life Insurance with heart disease

Life Insurance And Heart Disease [2022 Guide]

Read What Our Clients Say About Us Trustpilot Heart disease is a serious condition that affects almost one in five adults. It’s the leading cause of death in the United States and there are many risk factors for heart disease, including high blood pressure, cholesterol levels, smoking, diabetes, and obesity. If you’re worried about whether…
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AFIB and Life Insurance

ATRIAL FIBRILLATION LIFE INSURANCE

Read What Our Clients Say About Us Trustpilot For those of you who have been living in a cave for the past few decades, atrial fibrillation is a common heart condition that often goes unnoticed. It does not cause any symptoms and is usually only noticed when it causes an irregular heartbeat or when tests…
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Affordable Burial life Insurance For Final Expense

How To Find The Best Burial Insurance Policy In 2022

Read What Our Clients Say About Us Trustpilot “It’s not surprising that many people are uncertain about how to find the best burial insurance policy in 2021. With so many companies and policies, it can be difficult to know where to start. If you’re looking for a way around this issue, read on!” What Is…
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affordable life insurance and type 2 diabetes

LIFE INSURANCE RATES FOR TYPE 2 DIABETES

Read What Our Clients Say About Us Trustpilot As a senior consumer, you may be wondering how your life insurance rates compare for someone with type 2 diabetes. It is not uncommon to worry about what the future holds and what the cost of living will be after you retire. Diabetes can lead to many…
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Fidelity Life Insurance

FIDELITY LIFE ASSOCIATION INSURANCE COMPANY

Read What Our Clients Say About Us Trustpilot Do you have a lot of life insurance? Do you want more? Well, if so the Fidelity Life Association Insurance Company may be just what you’re looking for. The company offers individual and group policies to protect your family’s financial future. This blog post will give information…
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