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Life Insurance

CLICK HERE FOR INSTANT LIFE INSURANCE QUOTE ESTIMATES

Enter  your information, and see immediate rate estimates for multiple companies, based  on the information that you enter about yourself.  If you need help,  call (901) 488-1399 or email me at Wayne@InsuredPaychecks.com.


Or, let me "shop the market" for you by sending me the information below.  


Please email or call me with the following information:

Name

Date of birth

State of residence

Amount of coverage desired

Height & Weight
Purpose of the coverage (mortgage, family income, etc)

Type of coverage desired (if known, for example, "I want coverage to age ___")

Past or current tobacco/nicotine usage (type, how much, when stopped, if applicable)

Health estimate:  Excellent / Good / Some problems


(Note:  Some small face amount life insurance policies may be available without needing as much, if any, health history.  These are generally sold for "final expense/funeral" coverage, and may have limited benefits in the early years of the policy.  If this is what you are interested in, please let me know.)

Disability Income

Please email or call me with the following information:
Name
Date of birth
State of residence
Amount of coverage desired
Height & Weight
Purpose of the coverage
Type of coverage desired (if known)
Past or current tobacco/nicotine usage (type, how much, when stopped, if applicable)
Health estimate:  Excellent / Good / Some problems


The amount of disability coverage you may qualify for depends on several factors, including any current coverage you may have, and your income currently.  Please tell me as much as you can to help me determine availability, etc.  Generally, you can not insure more than about 60-65% of your gross income because benefits are usually tax-free, and we want there to be incentive to return to work, when possible.

Long Term Care

Please email or call me with the following information:
Name
Date of birth
State of residence
Amount of coverage desired
Height & Weight
Type of coverage desired (if known)
Past or current tobacco/nicotine usage (type, how much, when stopped, if applicable)
Health estimate:  Excellent / Good / Some problems


Is there also a spouse currently living with the proposed insured?  (possible discount involved, if so.  Give the same info above for any other person to be covered.)

Other Quotes

If you would like quotes for other types of services (retirement plans, annuities, employee/executive benefits, etc), please give me a call to discuss the information needed.  Call (901) 488-1399 or email me at Wayne@InsuredPaychecks.com.  A personal meeting is almost always advised, and needed to gather the information required.

Summary & Additional Information (please read)

I generally suggest a good old "sit down meeting" with my prospective clients.  But in some cases, I can estimate costs for you with the simple information above.  So, you can email that to me, or give me a call.  If you don't know the answers to some of the questions, I find that 15-20 minutes on the phone works better than emailing back and forth, so I would suggest doing that if you're not ready to meet with someone in person.  

Any quotes given are purely estimates, but if you give me enough information, quotes can be very accurate. Sometimes applicants will get better rates than I originally estimated, and other times they could be worse. Until all information in your records is reviewed by an insurance company underwriter, there is no way to tell.  But I have a lot of experience in this, and will help you as much as I can.


In no case is any offer of coverage made until an application is submitted, underwriting is completed, and the insurance company making an offer formally does so.  No coverage begins until approved by the company, delivery requirements are received by them, and it is agreeable to all sides (you and the insurance company).  


I would NOT recommend emailing any health problem details to me; rather, give me a call to discuss.


It is important that the information that I get from you is as accurate as possible, such as tobacco usage (current and past....if you no longer use tobacco or nicotine products, I need to know when you quit, which can affect possible discounts.  Even if you use nicotine patches or "E-cigarettes, I need to know because nicotine will show up in your system, and some companies will not allow a non-tobacco discount in that case).  If you have been declined for coverage, that's important for me to know, and will be one of the questions asked on any application for new coverage.  If you decide to actually apply for coverage, I will generally need to know health history, including medications and treatments being used.  I don't necessarily have to have all that to give you a quote, but the quote would be more accurate.  Different companies may have differing underwriting requirements (physicals, medical record requirements, etc), which I will be happy to explain when we talk.  I may have to request additional information from you before being able to offer an accurate quote.  


In all cases, I pledge to recommend products and services that I deem suitable in your situation, based on the information that you give me.  As an independent agent, I represent you, but I also have an ethical responsibility to the insurance carrier that we are asking to insure you.


NO STATEMENT ON THIS WEBSITE, OR MADE BY ME OR STAFF, CAN CHANGE ANY POLICY PROVISIONS, OR ANY POTENTIAL OFFER. PLEASE REVIEW ANY POLICY THAT YOU MAY PURCHASE BEFORE ACCEPTING IT.  YOU GENERALLY HAVE A "10 DAY FREE LOOK PERIOD", DURING WHICH YOU CAN RETURN THE POLICY FOR A FULL REFUND.  THIS CAN VARY BY STATE AND SITUATION.