Category Archives: Life Insurance Quotes

What are Risk Assessments? – Part 2

How Can Risk Assessments Help Get Better Offers?  Utilizing the Risk Assessment methods below will help ensure a given client’s application will get the attention it deserves from carriers who look more favorably upon a given client’s situation. The Risk Assessment methods EMG uses are Quick Quotes and Informal Applications. Each has its strengths and weaknesses, and each works better for different situations. Producers should keep in mind that […]

How Much Life Insurance Do You Need in 2021?

The answer varies upon the individual goals of a client and their family or business. The answer could be simple enough to pay off a mortgage or a more complex number. The primary goal may be that anyone left behind, after death, could continue with the same lifestyle they were accustomed to while the now-departed […]

What are Life Insurance Underwriters Looking for?

Life insurance underwriters at carriers look at a long list of factors. Those factors include personal health history, family health history, driving record, prescription, medical records, and MIB (Medical Information Bureau). MIB tracks application history at other carriers. Making healthy lifestyle changes produces a significant difference in an individual’s policy rate classification for life insurance. […]