The Life Insurance Agency

We created this website to help people trying to find the best value in life insurance. Finding quotes is easy. But how do you get the best price policy. We help you understand the ways that insurance companies market to the consumer and how they underwrite for their policies. Knowing what they are looking for will enable you to correctly choose the company and the product and get the best pricing available.

Life insurance companies are like any other business; they are the most successful when they specialize in a specific market. Don't misunderstand me insurance companies will work with any business that comes through the door, but they do specialize. One of the niches that is overlooked, tobacco use. There are dozens of companies that allow for occasional cigar use as long as you test negative for nicotine. But there are two companies that actually overlook chewing tobacco use and you can test positive. The difference in the pricing between non-smoker and smoker is 2-3 times as much.

This is the true savings in the life insurance industry. Finding companies who target you as their niche client.

Here are some other niches:

• Private pilots
• Diabetics
• Foreign Travel
• Family history of cancer
• Depression/anxiety
• Sleep Apnea

Almost every issue has an insurance carrier who outperforms his peers in order to target a niche. Call today and we will help get you to your carrier.

(866)823-4789