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Captive – Independent? What matters and what doesn’t.   All about what Captive Insurance agents really think about Independents. Did you know that there are two different types of insurance agents? Want to learn how you can save hundreds on your life insurance bill?read on…Insurance is complicated business, needlessly complicated often times. There is lots to know and.. More

AM Best Rating Scale

Written by Scott W Johnson

​The AM Best Rating scale is a form of a Financial Ratings Scale that is specific to the AM Best Brand.   Below please find detailed information concerning their ratings and classifications.Since AM Best is the creator of the IFS rating classification and since they are the only credit rating agency to specialize in life.. More

Insurance Agent vs Insurance Broker

Written by Scott W Johnson

Insurance Agent vs Insurance Broker  Why it doesn’t matter with life insurance – And what really does matter.in Three Short Minutes you could Save Hundreds on Life Insurance…00Days00Hours03Minutes00Seconds- just three short minutes -Countless hours I have spent explaining the differences between Insurance Agents and Insurance Brokers. The definition of an insurance agent and an insurance broker are developed.. More

Life Insurance for a Young Family (Case Study)

Written by Scott W Johnson

Young Family Learns About Life Insurance (and Leaves their Agent Speechless):Meet the Garcias a family learning about life insurance.Learn about the Special Life Insurance Option – that most agents may not tell you about.And how they ended up saving over…         $3000 per yearMeet the Garcias:The Garcias are a young american family.. More

Sample Term Life Insurance Rates for a 31 Year Old Woman

Written by Scott W Johnson

​ Wondering if you are getting a good deal on a life insurance proposal from an Agent?Don’t just look – Shop Around with an Independent…or risk overpaying.Shopping for life insurance should be simple – but its not really.   Three main questions need to be researched:What type of Life Insurance Should you buy?How Much Life Insurance.. More

Paramedical Exam

Written by Scott W Johnson

What is a Paramedical Exam? Also known as a Paramed Exam or simply a paramed, it is an exam done by a licensed and trained medical professional to assist in  the purchase a life insurance policy.  Below is a more full definition.Some types of life insurance offer the option of NOT having a medical exam,.. More

How to Check a Financial Strength Rating with Moodys

Written by Scott W Johnson

Interested in Life Insurance and Need to Check a Rating from Moodys? Don’t Trust the ISFR from your insurance agent? Buying a Term Life policy for thirty years and want to make sure the company is secure?If you are considering buying any form of insurance, life, or otherwise it is imperative that you check the Financial Strength.. More

Three Secrets of Life Insurance

Written by Scott W Johnson

​ Life Insurance is not really too important – WRONG ​ Avoid getting wrecked buying life insurance by learning these three key secrets. The world of life insurance is needlessly complicated.   But in a few quick minutes you can master the world of life insurance buying – read on and learn. The First Secret of.. More

Definitions

Written by Scott W Johnson

There are so many definitions in the world of life insurance. Countless times consumers contact us confused. It is too bad. We have put together this simple list of some of the more popular video and written definitions that may be able to assist you in your search for the proper life insurance product.

Questions to ask about Term Life Insurance

Written by Scott W Johnson

Questions to ask about Term Life Insurance When buying Term Life Insurance, there are some very specific questions to ask about your proposed insurance policy.   Don’t stop there though – ask these 19 Questions of your Life Insurance Agent. Learning to ask the right questions about your proposed life insurance policy could save you.. More