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Before You Buy Life Insurance Through The Mail.jpg

Before you buy life insurance through the mail, radio, or television, ask yourself this one question:

Am I really, really sick?

You see, most policies offered through mail, radio, or television are called guaranteed issue life and offer a death benefit that is limited for 2-3 years. They are also expensive. You’ll recognize them because they say things like “you cannot be turned down regardless of health” or something similar. The commercials often feature well-known people as spokespersons.

The fact is most people qualify for much better coverage. You just answer a couple of health questions. If you pass (most do), you will get a death benefit that is in force from day #1. Oh, and you’ll pay less too!

The One Thing You Must Know About Your Term Life Insurance Policy

The ONE thing you must know about your term life insurance policy-

There is almost no chance that your term policy will ever pay a death benefit.

Whoa! Why? Is it because they won’t pay the claim? Absolutely not: If there is a legitimate claim, they will pay it. Believe me, your life insurance company has the money.

So why would I say this?

Because term life is a temporary policy that is designed to cover you during a certain amount of time (10- 30 years) and then expire worthless. Truth is, most term policies are outlived or cancelled before the term expires. Only 1% of all Term Life Policies will ultimately pay death benefits (Penn State University Study 1993).

So what’s the issue?

If the above bothers you because you bought your Term Life policy to leave a legacy to your family, you need to act now to get a life program in place that will fulfill your wishes. Term life insurance is the most widely owned and, in my opinion, least understood life insurance policy on the...

My Child Is A Juvenile Diabetic, Can I Buy Life Insurance For Them

If your child is a minor (under 17) and has Type 1 (juvenile) diabetes, finding life insurance can be difficult. As you may already know, in most cases, carriers will not consider coverage. There are some, however, who just need to find them. Also, there is at least one trick to getting coverage in place in these circumstances.

How Do I Find A Carrier?

I know this sounds like a cop out, but you need to find a specialist who knows this market. Carriers who will accept this type of risk are very hush hush about it because they are scared a disproportionate amount of risk will flood into the policy. This is why you will never see ads pointing out this liberal bar within their polices. You literally have to find someone with "inside" knowledge of these policies or stumble across them accidentally.

So, what's the "trick"?

If you cannot find a policy that will issue directly, you may be able to get coverage using a guaranteed child insurance rider...

Diabetes Marches On

National Diabetes Awareness Month (November)

As of this writing, as many as 30,000,000 people are believed to have diabetes. Many of them are un-diagnosed and will find out after their next annual physical or illness that sends them to the doctor.

  • An unprecedented 86,000,000 people are estimated to be pre-diabetic. This means that, absent major changes in lifestyle or behavior, it is likely that they will be diagnosed within the next 3-5 years.

There is a plethora of information circulating about the disease, treatments, eating plans, and prevention. It seems like every day we are hearing about a new medicine being released, a new study speculating on causes, or yet another sobering news story…as diabetes marches on.

Life Insurance and Diabetes

What you don’t hear as much about is diabetes and life insurance. Having been in this business many years, I am always taken aback by the lack of information available and...

Life Insurance Agent Versus Life Insurance Broker

What's The Difference Between A Life Insurance "Agent" And A Life Insurance "Broker?"

  • Ever wondered that? Most people erroneously assume they are one and the same. That can be a mistake and cost you money!

Life Insurance Agent

A life insurance “agent” is someone who typically works for a specific insurance company and sells their products exclusively. They are also often referred to as “captive” agents. You can recognize them because they will have a business card with an insurance carrier name emblazoned on it and they will show you only the products offered by that carrier. On the upside, working for only one carrier makes it easier for the agent to learn the particulars about a product and stay abreast of changes. On the downside, you are only going to see offerings from one carrier from the hundreds available and, thus, may not be buying your best option or product.

Life Insurance Broker

A life insurance “broker” can choose to represent many carriers and a wide range of...

The Fine Print Matters

Life Insurance Policy Fine Print

​I'm coming to you today to tell you that the fine print matters when you're buying a life insurance policy. Now, the fine print, as boring as it is, is going to determine what the policy actually does. And it will help you to know whether the policy is going to be appropriate to do the job that you want it to do. And I will give you a couple of examples.

Is Five Year Renewable Term Appropriate For Final Expense Planning

​Right now, the five year renewable term seems to be kind of hot in the United States. And because I'm in the field a lot I talk with folks and I'll ask them, "Well, why did you buy this?" They know something is not quite right but I ask them about that and they come back and say, "Well, I need something for final expenses.” I'm like, "Well, this is a five year renewable term.” And they really don't know what it is or how it works. I will go through and show them the fine print and show them the rates go up every five years. And at age 80 or 85 or 90 or whatever it happens to be,...

Justin White, CLU ®

What Does The CLU® Mean

You'll notice the CLU® after my name and that stands for Chartered Life Underwriter. (Click the link to learn more about what a CLU® means.) A CLU® is the highest standard of knowledge and trust in financial planning. Helping people with their life insurance needs is very important to me and something that I hold near and dear to my heart. A CLU® is the premier credential in the insurance profession. Most life and health insurance agents only complete the 40 hours of licensing coursework to get their license and then they go out into their local communities and start selling life insurance. There are a lot of great agents out there that only have a life and health license, but there are also a lot of agents out there that have no business being in the insurance industry. A CLU® designation signifies a commitment to excellence and a dedication to continuing education in life insurance. When you work with me, you can rest assured that you will only be working with me. I...

Free Quote Button

Life Insurance Quoting Websites

Did you know that most of the websites on the web that advertise for life insurance quotes or instant life insurance rates are just lead generation companies that sell your information to 5-20 insurance agents? Bet you didn't. But if you have ever filled out a life insurance quotes information form and then received 20 phone calls within 30 minutes, you have definitely experienced this first hand.

Life Insurance Lead Generation

​This is because most websites for life insurance rates and quotes are actually run by large lead generation companies. They collect your information and then sell it multiple times to as many as 20 insurance agents. And these lead companies don't investigate the insurance agents that sign up to purchase these leads, so you have no clue what type of agent you are going to have calling your house.

Life Insurance Professional

​It is extremely important to make sure you have a properly trained professional working with you regarding your life...

Half of the USA is Diabetic, How Does That Affect Your Life Insurance

Half of the United States is Diabetic or Pre-Diabetic released an article yesterday stating that as much as half of the US population is now either diabetic or considered to be pre-diabetic. Half of the US population. So lifestyle choices, diet, medicine interactions, lack of exercise and aging are all contributing to an almost unavoidable tsunami of new diagnoses of diabetes, and all the other things that come along with that. It is a national problem that we have to deal with.

Diabetes Affects on Life Insurance

Now I'm not really here to talk about the conditions per se. As you might imagine, I'm here to talk about life insurance. And as these diagnoses roll in, people are going to be talking about their condition more and more. And the misinformation about those fly when it comes to life insurance. I cannot tell you how many times I've spoken with somebody on the phone, or sat with them, and they told me point blank that their doctor told them once they're diagnosed with diabetes, they can't...

Why Nobody Trusts Life Insurance Agents

Do You Trust Your Life Insurance Agent?

Is it any wonder why the American public does not trust life insurance agents?

A couple of weeks ago I went out and wrote life insurance policies for a couple of my clients. I was called up by a gentlemen who was on a group term life insurance plan through his former employer. It started going crazy. It was obviously going into what I call its death spiral. It was acting like a five year renewable term. The price was going up and the face amount was going down every five years. When we called, they did indeed confirm that the actual policy, itself, was going to expire in the not too distant future.

This guy needed the coverage, wanted the coverage. We needed to fix it. Thankfully, they still were insurable, and I was able to secure for them an immediate death benefit through a whole life plan for both of them. His wife had had an amputation due to diabetes several years before, so it was a little dicey, but I did finally get it done with an A rated...

A Sad True Life Insurance Story

The Importance of Life Insurance

Hey everyone, Justin White here at Houston Life Insurance Quotes and thanks for watching. You know, I heard a sad story just the other day about a young lady, a mother of two, wife, who all of a sudden came down with something one day and within 24 hours had succumbed, died because of an aggressive infection. The thing that made it so tragic is if that's not bad enough was the fact that she did not have any life insurance in place at all. So not only is the husband and kids trying to figure out what in the world happened and what they're going to do now, they're now having to deal with the financial hardships on top of that.

Buying Life Insurance Online Without An Agent

Is Buying Life Insurance Online Smart

Hey everyone, Justin White here with Houston Texas Life Insurance and thanks for watching. I'm recording this event a little bit for you today. I found a new product online a couple of days ago. Opened it up, looked at all the selling features or what were being called features. And just thought, "Man, I've got to talk about this on the website because it really rubbed me wrong." Now I'm not going to mention company names, or product names, or anything like that. But I am going to highlight a feature and just talk about what I don't like about it. And warn you about the dangers of that, because I do think that it's in the best interest of the public to get messages like this.

Life Insurance Review Importance

Life Insurance Review Importance

Is a life insurance policy a contract of adhesion?

Life Insurance Contracts

If you have life insurance, you’d better know this….

Do you know what a “contract of adhesion” is? You may not know but I can almost guarantee you have experience with one. defines it like this:

“A type of contract, a legally binding agreement between two parties to do a certain thing, in which one side has all the bargaining power and uses it to write the contract primarily to his or her advantage."

An example of an adhesion contract is a standardized contract form that offers goods or services to consumers on essentially a ‘take it or leave it’ basis without giving consumers realistic opportunities to negotiate terms that would benefit their interests. When this occurs, the consumer cannot obtain the desired product or service unless he or she complies to the "form of contract.”

Kind of stark isn’t it? Many read that and think: “Hey, I’d never agree to anything like...

I Am Too Sick To Buy Life Insurance

Can You Help Me Get Life Insurance

I hear this all the time. Someone I am talking to will volunteer something like “Bet you can’t help me” or “I’ve been told I can’t get anything”. I always look at them and ask “what makes you think that”? At that point the floodgates open and I start hearing about all the myths and untruths floating around in the life market today. While there are some situations (very few) that are truly hopeless, I find that the vast majority of people who think they are uninsurable are anything but hopeless. They often have lots of options. Options they assume don’t exist because they were erroneously told something different.

Preexisting Conditions Life Insurance

Agent training for handling preexisting conditions is not readily available. It can actually be kind of hard to find. It is a shame because many lives could be improved with just a little bit of knowledge.

Life policies are underwritten in ways that allow for the most people to be covered. Even if you have something going on with our health,...

Buying Life Insurance If You Are Diabetic

Buying Life Insurance If You Are Diabetic

Life Insurance For Diabetics

Friday, December 12, 2014 2:27:17 PM - Justin White, CLU®

Justin White is one of the founders and managing partners of Life4Diabetes, a nationwide consumer organization that specializes in finding Life Insurance For Diabetics and other preexisting conditions.

I have diabetes and need life insurance. Should I get Term Life Insurance or Permanent Life Insurance?

This is a common question and, oddly enough, one of the most misunderstood aspects of shopping for life insurance. There are many opinions on this topic. However, choosing the right type of policy goes way beyond someone’s opinion of term insurance or whole life insurance. Make sure you can tell the difference. The right policy is chosen based on what you are trying to do, what your health allows you to buy and what you can comfortably spend. That’s it. Here are some easy ways to think about it:

Term terminates. In other words, it is temporary. It is designed to cheaply cover temporary problems. Only ~3% of term...

How To Avoid Mistakes When Buying Life Insurance

How To Avoid Mistakes When Buying Life Insurance

Buying Life Insurance From A Professional

Have you ever shopped for life insurance and had that uneasy feeling that you knew about as much as your insurance agent? Sadly, this is common. Here are a few things that should throw up your red flag:

Beware the agent who will only talk about one form of insurance (term insurance, whole life insurance, indexed UL insurance, etc) or, worse, literally bad mouths other types of coverage:

People can develop prejudices towards one product or another. This includes agents. Truth is: Different types of policies have been developed to solve different types of problems. All forms are appropriate in certain situations. It is a real shame to find someone who has a small whole life plan who should have a large term policy. It is a tragedy to learn about them as the family struggles to deal with not having enough money after their death.

Beware the agent who can sell for only one carrier.

This is called a...

Deciphering Life Insurance Commercials

Deciphering Life Insurance Commercials

The Auctioneer Lawyer

When looking at today’s life insurance commercials, is it any wonder why many people are frustrated with our industry? One popular commercial advertises very low rates for people with minor conditions such as high blood pressure controlled with medication. At the end, the too-small-to-read disclaimer flashes on the screen for a span-of-time-too-short-to-read or, if it is on the radio, the auctioneer lawyer sprays the audience with the required CYA word salad.

What does it say? Well, it normally says something like “this quote is based on a 10 year term policy at preferred best rates. Results not typical”…or something. All so they can say, “hey, we told you” if something goes wrong.

Life Insurance Agents

As a career agent, I know that many (most?) Americans don’t know what a “10 year term” is (not to mention “preferred best”). Many people I sit with really are not sure at all about the difference between whole life and term life...

Life Insurance with a Preexisting Condition

3 Keys You Should Know

Preexisting Conditions Life Insurance

Things To Know If Need Life Insurance And Have A Preexisting Condition. If you have diabetes or another common pre-existing condition and have tried shopping for life insurance (or any insurance), you know it can be problematic. After the third agent assures you it will be “no problem” and you get declined and/or the agent won’t return your calls, you start to realize that there is definitely a problem. They key is understanding what the “problem” is. That is what I am going to try and shed light on here.

Understanding Life Insurance With A Preexisting Condition

Work with an agent familiar with underwriting and your condition. Sad to say, most agents just don’t know what to do, say or ask to help you navigate the waters. They take an application, smile, submit it, and hope for the best. That is not the best way to approach your efforts to protect those most dear to you.

You need to find and agent who not only understands your condition,...

Shopping For Life Insurance in Houston Texas

Shopping For Life Insurance In Houston, Texas

Houston Life Insurance

Shopping for life insurance quotes online can be such a headache. Have you ever filled out a form online for a life insurance quote and 20 minutes later your phone is ringing off the hook with every insurance agent in your area calling you? It can be a frustrating experience.

What most people don't know is that the majority of life insurance quote websites are actually lead generating companies that sell your information to insurance agents. Some of them sell your information to as many as 20 insurance agents in your area. And on top of that, if you filled out more than one form on more than one website, your phone could be ringing non stop for days, weeks or even months.

So how do you prevent the madness of buying life insurance? Well beware of the websites that say they will match you with local agents in your area. Most of these companies don't even know the agents that they are selling your information to!


What Should Buying Life Insurance Be Like

Buying Life Insurance

I often wonder what people are thinking about that process. Actions speak louder than words. According to LIMRA*, almost 40% of the US population is running around with NO life insurance policy in place to protect their family. Since 80% of people say that “everyone should have a life insurance policy”, we know something is wrong. In fact, ask the average American what buying life insurance IS like and you’ll be off to a good start to discovering what to avoid.

Buying Life Insurance Shouldn't Be

Let’s start with what it shouldn't be like:

Pressurized - Stop already with the high pressure tactics! Quit telling me that we need to do this today. No we don’t. You know it and I know it. Just stop.

One Size Fits All - I have never been able to understand how someone can credibly buy life insurance using guidance and advice from a postcard they received in the mail. “Check the box corresponding to the amount of term you want and protect your family!”…yeah, right. No thank you. Most...

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