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.
Diabetes and Life Insurance rates

How To Get Affordable Life Insurance For Diabetics

Read What Our Clients Say About Us Trustpilot 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 though! In the past few years, there has been…
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life insurance for people with cancer


Read What Our Clients Say About Us Trustpilot 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 cancer patients can help provide security and peace…
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20 years old and life insurance

Should I Get Life Insurance In My 20s [2022 Guide]

Read What Our Clients Say About Us Trustpilot “You’ve got a lot on your plate. You’re living paycheck to paycheck, working hard, and looking for ways to make your money stretch as far as possible. It’s tough not to feel like you can’t afford anything else. But is it worth the cost? Here’s what you…
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Life Insurance No Exam

Term Life Insurance | No Medical Exam No Waiting Period, [SAME DAY]

Read What Our Clients Say About Us Trustpilot Term life insurance is a great option for 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. The coverage will end when you die, so if…
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Best life insurance policy

The Best Cheap Life Insurance [2022 Guide]

Read What Our Clients Say About Us Trustpilot If you’re a senior and looking for life insurance, this article is for you! We’ll explore the best ways to find cheap life insurance, as well as what questions to ask before signing up. After all, it’s important that we protect ourselves and our loved ones from…
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Top 10 choice for Life Insurance


Read What Our Clients Say About Us Trustpilot The best life insurance companies are those who will take the time to understand your needs and work with you to find a policy that fits. We’ll help you make sense of the jargon, so go ahead and ask us anything! Blog post-intro paragraph: It’s never too…
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cholesterol levels too high for life insurance?

Will High Cholesterol Affect My Life Insurance Rates

Read What Our Clients Say About Us Trustpilot It’s a scary thought, but if you have high cholesterol your life insurance rates may be affected. The truth is that many people are unaware of the correlation between their cholesterol levels and the cost of their life insurance. If this sounds like something you want to…
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Life insurance rates and Smokers

The Truth about Life Insurance for Smokers

Read What Our Clients Say About Us Trustpilot 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 die earlier than nonsmokers. So, if you’re a smoker and want to buy life insurance, you may have to pay higher rates…
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Life Insurance with hypertension

The Truth about Life Insurance With High Blood Pressure

Read What Our Clients Say About Us Trustpilot It’s not always easy to figure out how much life insurance you need. But if your blood pressure is high, it might be time to talk with a financial advisor about the best way to protect your loved ones in the event of an unfortunate accident. If…
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Protect with Banner Life

Banner Life/William Penn Life Insurance 2022 Review

Read What Our Clients Say About Us Trustpilot This is a review of your life insurance options from Banner Life and William Penn. We’ll take a look at the features, pros, and cons of each company, and help you figure out which one might be right for you. Life insurance can be complicated to navigate…
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Life Insurance with Multiple Sclerosis

The Truth about Life Insurance with Multiple Sclerosis

Read What Our Clients Say About Us Trustpilot Senior consumers often have a difficult time understanding the various types of life insurance. Some people may think that they are only getting one type of policy when in reality, they are receiving more than just one plan. One such example is Multiple Sclerosis-specific life insurance. It’s…
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American General Life Insurance

American General/AIG Life Insurance [2022 Review]

Read What Our Clients Say About Us Trustpilot That’s right, your favorite insurance company is back in the game. You might know them as American General or AIG Life Insurance (depending on where you live). They’re not a Fortune 500 company anymore but they are still here and ready to provide coverage for our generation.…
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Is life Insurance an Investment

The Truth About Using Life Insurance as an Investment [2022 Guide]

Read What Our Clients Say About Us Trustpilot “Investing in life insurance is a long-term commitment that can be a great way to grow your assets. But, it’s not for everyone.”“If you’ve been considering buying a certain type of policy, or investing in one as an investment vehicle, here are some things to consider before…
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affordable life insurance for high risk people

2022 Guide to Medical High-Risk Life Insurance

Read What Our Clients Say About Us Trustpilot You’re probably wondering what life insurance has to do with the future. This is a great question! After all, you’re not planning on dying tomorrow, are you? The truth is that your needs may change over time and being prepared for potential risks in the future can…
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Term and Whole Life

Term Life Vs Whole Life [Simple Guide From The Experts]

Read What Our Clients Say About Us Trustpilot Whole life insurance is a type of permanent life insurance that provides coverage for the insured’s whole lifetime. The company pays the premiums, and you are not required to pay anything. Term life insurance only covers you for a certain period of time or number of years,…
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