Good morning, are you feeling confused with all the numerous life insurance companies out there? They market aggressively and try and get your business, which companies do you go with? Hi, I’m Chad McMahon with Protect with insurance, I’m going to give you a quick glimpse of what you need to know for these Arizona life insurance companies, so the bottom line is that most of these life insurance companies have pretty much the same products, they work the same way, they cover you the same way, and they pay the same way, the difference is going to be in their actuarial tables and their pricing, the simple version on actuarial tables is that is how they determine what risk they’re willing to accept to give what pricing and so what you want is the highest health rating possible if you can, you want preferred plus super preferred, you want to get the highest health rating, you can get with whatever company will give it to you and that’s going to get you the lowest price, and so if you’re looking at a standard health rating or a graded health rating or even a ROP whole life health rating, not the same thing as ROP term, that’s a good thing, ROP whole life is a bad thing, so ROP graded or standard health rating on whole life just as an example, you probably could be getting at least a preferred health rating somewhere else and the way that you accomplish that is by having access to a lot of companies and you shouldn’t have to sit with 20 or 30 or 40 agents to accomplish that, so make sure that you’re sitting with someone that has that access for you.
Certainly, everyone that’s part of my team with Protect with insurance, we have access to a whole slew of A-rated companies so that we can get you the highest health rating possible, so make sure that’s always accomplished, ask your agent what is my health rating with this product in this company, if they tell you standard or below and verify something that agents are doing, and it’s a horrible thing is they’re telling you you’re getting a preferred health rating when it’s not it’s actually standard or below so you need to verify that it should be in writing and that’s something that you know, and make them write it down for you and that way they’re liable for what they write so if you have any other questions regarding that kind of thing or anything else I can help you with, click the link below, I can get you a free consultation you can also call me directly, and if there’s anything I can do, I’ll be happy to help.This is Chad McMann, let’s protect with insurance your life insurance guy signing out.
If you are located in the Cottonwood, Sedona, Flagstaff or Prescott area and are looking for more information on affordable Life Insurance please don’t hesitate to contact us. Use the links below or call us directly at: (928) 323-0933.