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Reid
A. Nunn Accurate Life Insurance Quotes - Not Limited To California
I HELP RESPONSIBLE PEOPLE BUY THE LIFE INSURANCE THEY NEED AT THE BEST POSSIBLE PRICE. I AM NOT INTERESTED IN "SELLING" LIFE INSURANCE TO PEOPLE WHO HAVE TO BE "SOLD". EXAMPLE 1: Here is a case I am currently working on. In October of 2005, a relative in another state bought some life insurance from a major household name insurance. This company really is a good company, with reputable agents comprising the field force. His non-smoker preferred rating quote, at age 51, for $1,500,000 of coverage was about $4,200 for a 20 year guaranteed level premium term life policy. He is very health conscious, athletic build at 5'10", 180 lbs., and still works out on a frequent basis. But there were some complication. He had a recent spike in his cholesterol rating. He also had a recent colostomy and pre-cancerous polyps were removed in the process. So the offer from the insurance company came back not preferred. It was called "Super Preferred". Which means one rating better than standard. The quote? $7,500 a year. My relative was upset. NOW he thinks to call me! But that is OK. He did not realize that I am licenses in multiple states, and I add additional states as I pick up clients who want to place their life insurance through me. Like most people, he does not understand all the factors involved in rating a risk for life insurance. This is where experience is critical. I know the right questions to ask, who to ask and the way to ask them. Armed with all the information, I looked over my personal "agent's cheat sheet" - not cheating, really - but my organized notes on which companies tend to provide more favorable rates for applicants for life insurance who are certain ages, are dealing with specific medical issues, and tobacco use. I found one company that is more favorable for people over 50 who have a history of cholesterol issues, and may have had a brush with cancer. This is an A+ Best rated company that I'm almost sure you have heard of. Obviously, this is the one my relative is going with. The preliminary quote for AGE 52, is $4,600 or $5,200, depending upon what is in the medical records that will be ordered when we submit the formal application. And I have a technique I will use, that may save even more! EXAMPLE 2: Another company is less concerned about parents and siblings who have histories of cancer or heart conditions. A+ Best rated as well, this is company is part of a financial organization that is among the largest in the world. EXAMPLE 3: I was able to get a standard rate for a client of mine who is an insulin dependent diabetic. MORE EXAMPLES: Looking at my cheat sheet, I see that I have companies that are more favorable than others for medical issues such as: Arthritis, Asthma, Crones Disease, Depression, Epilepsy, Fibromyalgia, Gastric Ulcers, Elevated Liver Function Tests, and even Hepatitis C (treated and cured). While MOST companies would charge an extra premium (rated, as it is called) one of the A+ rated companies I represent will ever offer preferred in some cases. For Private Pilots, I have a top notch company that will issue Preferred Plus (if you qualify health wise) and give you the choice of an exclusion for private pilot coverage or a reasonable flat extra. For Smokers? I have 2 companies with very, very competitive rates. One also is the most liberal for Ht. and Wt. ratios for preferred smoker and preferred non-smoker. Did you recently Quit Smoking? I have an A+ rated company that will issue Preferred Non-Tobacco after only ONE year tobacco free. Most companies won't do this for at least 2 years. Many are more. If you life outside of the United States and want your insurance to be with a US company, paid in US dollars, I know how to structure the deal so you can get your coverage here. These are just some real life examples. Each individual is just that, and individual and needs to be considered as such if we are going to find the best policy for you. If you want the services of a good agent who will put you interest first, you might want to have a conversation with me. Read on for more information about how I work. If you like it, call me. Forgive me in advance if anything sounds arrogant. I don't mean it that way. But frankly, I am good at what I do. As a client who became a friend told me, "Reid, you did a real good job of re-arranging my life insurance for me last year. I'm glad I called you about it." This was my friend Richard Weiner, who told me this 2 or 3 weeks before he died at the age of 51 from pancreatic cancer. I tell you not to boast, because it is humbling every time I think about it. I just want you to know that life insurance is important to me because I KNOW what it means to people when it is needed. Like just about anybody else, I can provide you with the lowest quotes. And, of course, everybody wants that. So you can see what they are by going to my quote site, www.lifeinsurancebyphone.com There is about a 20% to 30% chance you will qualify for the lowest rates. The older you get, the harder it is. Life happens. The reality is that of the other 70% - 80% of the population, will not qualify for the lowest rates....at least with not all companies. But you might with some of them. How will you know which ones? By using and agent who cares and is willing to make the extra effort on your behalf. IN ALL CASES THE KEY IS THAT I WAS ABLE TO USE MY YEARS OF EXPERIENCE IN THE LIFE INSURANCE BUSINESS TO PROPERLY SHOP FOR THE BEST OFFER FOR MY CLIENTS. This is what separates me from many other agents. It is not that they cannot do it. Most simply do not have the insurance company knowledge and life experiences to successfully do this. And not all that do are willing to make the effort. I hope that you get the feeling that I know what I am doing and am worthy of your consideration for your life insurance business. While I do know a lot about life insurance, I do not know everything. Nobody does, or can. That being said, if I do not know, I know where to find the answers. This is the key to getting you the coverage you need at the best rate. Reid A.
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