Disability Insurance
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Disability Insurance

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TESTIMONIALS

...your service and follow up have been excellent. I appreciate your efforts.
Sincerely,

E. Nano
Assistant Vice President Commercial Lending
Marlborough Savings Bank

I appreciate you getting back to me so quickly. As usual, you have been excellent in helping me with my insurance needs. Thanks for all of your help on this very important matter.
G. Alvarez. CA

Thank you very much for the help in quickly securing life insurance for my SBA Loan
Idzik, IN

Thank you for all your hard work and helping me secure some life insurance
R. Alexander, VA

Thank you so much for helping with Gary...I was wondering - I myself have a
100,00.00 policy through Webster SBLI. I guess I am wondering if you can do
better for me, my policy goes up every few years and I know Gary is locked
in for a 30 year term. Thank you very much for your time.

C. Valimont

Your representative was extraordinary. Thanks again. We will definitely recommend your site.
J. S., Dix Hills NY

Thanks so much for your diligence in staying in contact with me and informed
M. R. Garland, TX

Thank you for your prompt and courteous assistance!
Christa & Asam, FL

I wanted to thank you for your help...I believe that you are one of my angels that God put in my path! Thanks again.
T. Nova, RI

Thank you for taking care of me!
Joey L., LB Global
Technologies, TX

Thank you. You are very patient.
M.M., Vallejo, CA

Thank you for helping me secure life insurance at reasonable rates...(this individual had a few health condition)
A Grateful Client

I've never learned the difference between "whole
life" and "term life"

Thu Apr 7, 2011 5:08pm EST

I've never learned the difference between "whole life" and "term life". How are they
different. (Guess I gotta learn).
see entire question...

All questions are good questions! The main difference is that whole life guarantees
premiums for life and term only guarantees that your rates will stay the same for the term
see entire answer...

my relative took her own life. Do all policies pay
on suicide?

Tue Mar 22, 2011 1:13pm EST

my relative took her own life. Do all policies pay on suicide?
see entire question...

That is very sad news! I am sorry to hear this. To answer your question, if you look at
your policy there is a page that talks about suicide exclusion. All policies I have seen
see entire answer...

Need assistance getting life insurance for mother
with Alzheimer

Tue Mar 22, 2011 1:04pm EST

Need assistance getting life insurance for mother with Alzheimer, I know that the law
requires my mother to sign any policy, but her condition makes it impossible. Need help
see entire question...

Thank you for the question. First, to answer your question, if you have power of attorney,
you should be able to sign papers for your mother. You will need to check directly with
see entire answer...

Making Beneficiary Changes

Fri Jan 28, 2011 2:13pm EST

I live in California and am recently divorced. My ex wife is the beneficiary of my life
insurance policy. Can I add my children as beneficiaries to the same policy?
see entire question...

In simple cases, if you are the owner of the policy, then you can make changes to the
policy. If your wife is the owner, she will need to make the changes. It is important to
see entire answer...

Getting life insurance policy that covers me
irregardless domicile

Thu Jan 6, 2011 11:26am EST

Can I get a life insurance policy that covers me irregardless domicile?
see entire question...

Yes, Life insurance may be available to you, even if you are not presently in the US or
are not US citizens. Your question does not indicate if you are a US citizen. That could
see entire answer...

Can I purchase life insurance on my husband

Thu Jan 6, 2011 10:44am EST

I am wondering if i can purchase life insurance on my husband incase of death to cover
cost of bills for myself and children
see entire question...

It would seen that the answer should be a simple yes. After all he is your husband and you
just want to make sure that all will be financial OK if, God forbid, he passes away
see entire answer...

24 year old female with type 1 diabetes

Thu Jan 6, 2011 10:27am EST

I am a 24 year old female with type 1 diabetes can I qualify for a term life policy?
see entire question...

Hello, Having diabetes at a younger age is more of an issue but you should still be able
to qualify for life insurance. Your diabetes needs to be well controlled and at has been
see entire answer...

Liberty life insurance policy how to look it up on
the internet

Thu Jan 6, 2011 10:18am EST

I have a policy already through liberty life insurance how do i look it up on the internet
see entire question...

Hello Amanda, Liberty Life (RBS) has different types of plans and they are administered
separately. The only plan you can check online is the express term plan. To check on your
see entire answer...

Extramortality computation and its pricing

Mon Jan 3, 2011 9:33am EST

Please send me details on extramortality computation and its pricing methodology.
see entire question...

Thank you for the questions. Since we do not do the underwriting ourselves and all cases
are sent to specific insurance companies, we do not have much detail on the underwriting
see entire answer...

Drug record and MIB

Tue Dec 28, 2010 8:35pm EST

Okay, I have a question. I had a positive drug test when I attempted to apply for life
insurance back three years ago. I know that you don't know me, but the test WAS a false
see entire question...

Hello, Yes, unfortunately, once your information is in the MIB, it is just about
impossible to remove. Have you tried to apply again since then? The second company we
see entire answer...

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