Why We Can Find You the Lowest Premiums in the State of Connecticut and Online Brokers, AARP and AAA Can’t or Won’t

We are tearing the veil off of a very ugly secret. Online brokers, AAA, AARP and others don’t tell you the lowest cost life insurance available to you! They claim to be researching to find you the BEST policy but they define BEST differently than you or I would. The BEST for YOU is getting…
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A Whole Life Policy For Kids that Pays Their Student Loan Debt

Imagine if your parents had purchased a permanent life insurance policy when you were born or when you were even a teenager? With the best of these policies the cost is tiny ($5-15 a month) and what the child gets in return is huge by comparison. They can double or even triple the limits when…
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How to Figure Out If Your Paying Too Much For Final Expense Life Insurance

Final expense insurance should be a permanent whole life insurance plan that covers you for the rest of your life. It should build cash value so that you can draw from it if you have an emergency. It should also pay dividends annually- these are portions of the insurance company profits. It should also NEVER…
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Our Favorite Life Insurance Companies: American National

N4P Life is a Connecticut based independent insurance agency. Independent means we aren’t limited to selling for one company. It means that we have an ethical duty to find our clients the best possible price and coverage for their unique needs among ALL life insurance companies licensed in Connecticut. Our favorite life insurance companies are…
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Our Favorite Life Insurance Companies: GCU-USA

N4P Life is a Connecticut based independent insurance agency. Independent means we aren’t limited to selling for one company. It means that we have an ethical duty to find our clients the best possible price and coverage for their unique needs among ALL life insurance companies licensed in Connecticut. Our favorite life insurance companies are…
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Select Quote Doesn’t Provide Your Lowest Life Insurance Quote in Connecticut

Online and television advertising insurance brokers only provide you quotes on life insurance policies that pay them the highest commissions and can be sold online or over the phone. When you ask a company like Select Quote or Policy Genius for your lowest quote, they will only provide you the lowest quote among the insurance…
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Using Term Life Insurance to Protect Against Injury or Illness

Most people are worried about the potential cost of long term care (LTC). Statistics show that more than 40% of us will require it at some point in our lives. And most health insurance plans don’t cover these extraordinary costs. They are considered “palliative” not curative and are excluded from most health plans. For example,…
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Globe Life is Bad for Consumers

Globe Life advertises itself as Final Expense Life Insurance. It is not! It is an increasing premium term policy. A Final Expense Life Insurance Policy is a permanent policy. It should provide guaranteed coverage at a set monthly price for life. Globe Life does not provide permanent coverage. Instead it provides coverage at a set…
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Pricing and Features of a Permanent Policy

When comparing life insurance policies available to Connecticut residents, we look across all the plans to get you the right policy at the best price. We show you the same sources we look at to identify the best rates, so you never have to worry you overpaid. Whether we use a shareholder owned company, a…
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Review of the “first month for just one penny” life insurance plan

By now everyone on the planet has received an email or text from Globe Life offering what appears to be a generous amount of insurance that requires just a penny for the first month. The problem with this insurance isn’t just that the premiums go way up from there in the second month, its that…
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