If you are a gun owner, you should certainly know that the greatest pro-gun organization in America is the National Rifle Association. If it was not for the NRA we would have lost our Second Amendment rights many years ago to the liberal anti-gunners. The NRA is the firewall we have between us and the millions of gun grabbers in this country. If you are not a member, join today!
There are many benefits offered by the NRA that any member can take advantage of from credit cards to discounts on motels and rental cars and everything in between. As gun owners, this is an organization that we have to be part of so we may preserve our right to keep and bear arms.
As a long time NRA member and gun owner myself, I am writing this article to help you find the best life insurance products possible and don’t pay any more than you have to. Gun owners, hunters, target shooters and gun collectors have always been a tight knit family where each shooter enjoys helping another shooter and this is what our sport is all about. Whenever I visit a Trap & Skeet gun club just for a simple visit, I find myself always being asked by other shooters to go out on the next squad and shoot with them.
When I would mention I did not bring a gun and I am only visiting, several people always offer to lend me one of their extra guns to shoot and shells on top of it. This goes to show you how gun owners take care of each other and that is why I try to help gun owners get the best life insurance products if they are in the market for a new life insurance plan.
Consumers including us gun owners have many options when planning to purchase life Term insurance.
Keep in mind that when you purchase life insurance you are insured by a life insurance company such as MetLife, Genworth Financial, Voya, John Hancock, Mutual of Omaha, Transamerica, Protective Life, AIG, Prudential and many more and not the organization that sponsors the insurance program. If you go on the internet, you will see a number of websites with a life insurance quoting system to get free life insurance quotes very similar to ours. The quoting tool we use is the latest technology and always has up to date accurate rates from all the best life insurance companies in the United States. Visit our blog post The Top 12 Best Term Life Insurance Companies to review the best companies in America.
Your rate class is one of the key elements when determining what your final premium will be once you are approved.
I am sure you have had some exposure to the terminology of the various rate classes such as “Preferred Plus”, “Preferred”, “Standard Plus” and “Standard”. These are the main rate classes a typical applicant would fall into. The key is to be placed in the very best rate class that you can apply for and then be approved for by the life insurance company underwriting department. Our job is to use the most applicable life insurance company that will offer you the best rates for your specific health history and lifestyle. At the same time we work hard with the underwriters to place our applicants into the very best rate class possible.
This takes time but we don’t give in to the final approval results of the application if there is any chance that we can promote the carrier to squeeze you into the next best rate class such as preferred in preferred plus or standard into standard plus. This can have a very serious impact on your premium where it will drastically lower your premium.
There is much more to securing an applicant the lowest rates than simply displaying them on a website quote engine.
After we submit an individuals application we work closely with the medical underwriters to make sure our applicant will be placed in the very best rate category. This rate classification and the most applicable company to use are the two main ingredients to achieve being approved with the lowest premiums. This extra elbow grease is what it takes to receive the lowest rates. If we are not satisfied with companies decision on the final outcome, we will send the application to another company to be reviewed by their underwriting team also.
There are a number of variables that have to be taken into consideration before you actually apply for low cost Term life insurance.
Simply diving into an application which is very commonly done will normally never produce the final results your looking for which is simply the lowest rates you can qualify for. Here is a basic list of key ingredients to take into consideration before you choose the most applicable life insurance company that will offer you the lowest rates.
- Health History (Medical Conditions)
- Tobacco Use of any Form
- Occupation (hazardous types)
- Sports & Hobbies (dangerous types)
- Driving Record
- Parental Health History
- Medications Used
- Height & Weight
If you apply for affordable Term life insurance and you do not consider these very important conditions, you will most likely have a snag in your application process because the life insurance companies thoroughly cover everyone of these categories and base their final rates on them. Choosing to correct life insurance company will be the single most important decision you and your agent need to make. Keep in mind that all life insurance companies underwrite their applications differently. For example this means that Prudential might be the company of choice for Bill and American General will be the best choice for Betty. Life insurance has to a custom fit for each and every applicant.
This planning process consumes more of an agents time and quite a few agents would rather recommend a specific company without taking the extra time and hope things work out for the best. In our office that is simply not good enough. We base our reputation on helping people find the best Term life insurance rates combined with the most applicable plan design for his or her needs.
If you are looking for term or permanent life insurance with a trusted company and the lowest rates possible, gives us a call today.
We specialize in helping people find the best life insurance at the lowest rates without any unwanted stress during the application process. When do not sell homeowners or auto insurance and provide life insurance as a sideline. Life insurance is our bread and butter product line. Life insurance is not a one size fits all type of insurance product so we work with the largest selection of companies to make sure we researched all your options. Purchasing life insurance should always be a nice smooth process for the agent and the applicant alike. Our number one goal is making sure we find the lowest possible rates for our life insurance clients by utilizing over 40 trusted life insurance companies to make this happen.
Most life insurance applications are fully underwritten where variables such as your health history and lifestyle are carefully considered.
Life insurance is normally fully underwritten which means that any medical conditions, dangerous occupations and hobbies are fully taken into consideration and will have an impact of the final rates which will be generated after the application process has been completed. There are No Medical Life Insurance plan design that have a 24 hour application approval time. This is also an option to consider especially if you need life insurance quickly for what ever reason. Always keep in mind that the companies medical underwriters have the final decision when deciding what the final life insurance rates will be. Working closely with the underwriters is the best way to secure the lowest rates.
Our job is to work with the underwriters to promote them to place you in the very best rate class you can qualify for. This will have an incredible impact on your final premium. A lot of work goes into the application process and you agent is the one that can make a considerable difference in getting you the most competitive rates.
A personalized approach between you and your broker is much more effective when getting the best life insurance policy for your money.
The reason for this is your agent and yourself build a bond and inevitably work as a team to make sure you get the best results from any life insurance company you apply with. The most important mission that an insurance agent has is to locate the very best life insurance product for his client’s needs and budget. This is exactly what we do with each and every client that wants to apply for a low cost life insurance plan. The normal underwriting turnaround time will usually be between 30 – 60 days. The life insurance companies take their time to make sure everything is taken into consideration mainly for the applicants best interests.
Life insurance underwriters want to complete the application and give the applicant the lowest premium possible so they can be as competitive as possible in the market. This will influence agents and brokers to use this company more and more since they are very good to work with.
We comparison shop life insurance rates for our clients with an arsenal of over 40 life insurance companies.
If there are any medical conditions involved or high risk occupations or hobbies, we will pre-screen them so there will be no surprises later when the application is in the underwriting department. We spend considerable time doing this so our clients get the most affordable life insurance rates possible.
Feel free to activate our life insurance quote engine and compare Term life insurance quotes and permanent plan designs side by side.
Our approach is based on personalized service with a one on one assistance with an insurance agent that has a personal interest to help you with finding the best life insurance policy for your needs over a simple call center where one of many people answer the phone and you are actually more of a number than a person they are trying to help.
After the application process begins there is quite a bit of work for the agent to make sure you are going to get the best decision from the companies underwriting team. The agent is there overseeing the application process just as the NRA overseas the lawmakers when they are trying to destroy our second amendment rights.
Make sure to talk to all your friends and family members to join the National Rifle Association if they have not already. You don’t have to be a gun owner to join. The NRA needs all the support they can get in this modern world where the heat is on like never before to loose your right to own a firearm.
Don’t hesitate to contact us 7 days a week for immediate answers to all you questions with no obligation what so ever.
Below you will find our service area where we work hard to help people save money on the best life insurance products from over 40 of the most competitive companies. Feel free to contact us 7 days a week for answers to your questions. Thank you for reading our post. Finding the most affordable life insurance is just a telephone call away. Thank you very much for reading our blog post, I hope it was helpful. Learn more about us by visiting our About Us page.
One more story: I moved to the west side of Illinois about four years ago and my neighbor directly across the road 50 feet away is a great little Gun Club called the Coleta Sportsman’s Club which offers Skeet, Trap, Archery, Pistol and Rifle shooting. It does not get any better than this. Keep your powder dry!
Here are some other excellent pro-gun organizations that help to keep and protect our gun rights. I have broken them down by states.
Gun Owners of America, Jews for the Preservation of Firearms Ownership, National Association for Gun Rights, Second Amendment Sisters, International Practical Shooting Confederation, National Rifle Association (NRA), Second Amendment, The (NSSA) National Skeet Shooting Association, National Sporting Clays Association, Amateur Trapshooting Association, Pink Pistols, Citizens Committee for the Right to Keep and Bear Arms, Women Against Gun Control, Pacific International Trapshooting Association, Zone 7 Skeet, Firearms Policy Coalition, Fifty Caliber Shooters Association.
Alabama Gun Rights, Alabama Open Carry, Alaska Outdoor Council, Alaska Machine Gun Association, Alaska Gun Collectors Association, Alaska Interior Marksmanship Committee, Alaska Rifle Club, Arizona Citizens Defense League, Arkansas Carry, Gun Owners of California, Calguns Foundation, Rocky Mountain Gun Owners, Connecticut Gun Rights, Coalition of Connecticut Sportsmen, Connecticut State Rifle & Revolver Association, Inc., Connecticut Citizens Defense League, Northeast Combat Pistol League, Northwest Connecticut Sportsman’s Council, Ye Connecticut Gun Guild, Inc., Delaware State Sportsmen’s Association, Florida Carry, Inc., Second Amendment Coalition of Florida, Georgia Carry,
Georgia Sport Shooting Association, Hawaii Rifle Association, Lewis-Clark Wildlife Club, Idaho State Rifle and Pistol Association, IllinoisCarry, Guns Save Life, Illinois State Rifle Association, 2nd Amendment Patriots, Guns Save Life, Iowa Gun Owners, Iowa Firearms Coalition, Kentucky Coalition to Carry Concealed, Second Amendment Sisters – Louisiana, Louisiana Shooting Association, Louisiana Sportsman, USPSA Louisiana Section, Bayou Shooter, Gun Owners of Maine, Maine Gun Owners Association, Maryland Shall Issue, Maryland Citizens for the Right to Keep and Bear Arms, Maryland Shooters, Gun Owners’ Action League, Lawful And Responsible Gun Owners, Michigan Gun Owners, Michigan Coalition of Responsible Gun Owners, Michigan Rifle & Pistol Association,
Michigan Open Carry, Gun Owners Civil Rights Alliance, Western Missouri Shooters Alliance, Gateway Civil Liberties Alliance, Second Amendment Coalition of Missouri, Montana Shooting Sports Association, Nebraska Firearms Owners Association, New Hampshire Firearms Coalition, Gun Owners of New Hampshire, Pro-Gun New Hampshire, New Jersey 2nd Amendment Society, New Jersey Coalition for Self Defense, New Mexico Shooting Sports Association, New York State Rifle and Pistol Association, Shooters Committee on Political Education, Sportsmen’s Association for Firearms Education, Grass Roots North Carolina, North Carolina Rifle and Pistol Association,
Ohioans for Concealed Carry, Buckeye Firearms Association, Oklahoma Open Carry Association, Oregon Firearms Federation, Oregon Gun Owners, Oregon State Shooting Association, Pennsylvania Firearm Owners Association, GrassRoots South Carolina, Gun Owners of South Carolina, South Dakota Gun Owners, Tennessee Firearms Association, Lone Star Citizens Defense League, Peaceable Texans for Firearms Rights, Texas State Rifle Association, Gun Owners of Utah, Utah Shooting Sports Council, Gun Owners of Vermont, Virginia Citizens Defense League, Virginia Gun Owners Coalition, Washington Arms Collectors, West Virginia Citizens Defense League, Wisconsin Carry, Inc., Wisconsin Firearm Owners, Ranges, Clubs & Educators, Wyoming Gun Owners.