Understanding

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…
Read More

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…
Read More

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…
Read More

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,…
Read More

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…
Read More

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…
Read More

Review of the “Just $9.95” a month life insurance plan

Colonial Penn advertises frequently on television that it offers the coverage you need and deserve for just $9.95 a month. What they don’t say in their ad is that $9.95 doesn’t purchase anywhere near enough coverage. For example, a healthy 65 year old woman in Connecticut will be insure for $1,333 if she pays Colonial…
Read More

Not4Profit Life Guarantees a Better Price Than AAA, AARP, and any Online “Lowest” Price Life Insurance Broker

We dare you (in a nice way) to go get your lowest price quote from AAA, AARP and any of the highly advertised lowest life insurance brokers. In every single instance, we guarantee you that our rates for the exact same policy coverage will be lower than their rate. We mean that! And we don’t…
Read More

Why the for-profit life insurance plans cost so much more than not-for-profit ones?

We will show you how for-profit life policies cost 20-50% more than their not-for-profit peers. It would be natural to ask why for-profit insurance plans cost so much more for Connecticut residents. For-profit companies are stock companies whose sole objective is to make profits for the company’s stockholders. Too often, these for-profit companies spend tens…
Read More

What’s the Difference Between Term Insurance and Permanent Insurance?

All life insurance is designed to provide the policyholder with a specified death benefit ($) if they pass away while the policy is in effect. There are two types of life insurance: TERM and PERM. TERM covers the policyholder for a specified period of time usually for 10, 15, 20 or 30 years at a…
Read More