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INSTANT Life Insurance Quotes without COOKIES or Requiring Personal Information

  Searching for a quick life insurance quote online and everywhere you go requires you to “enable cookies” or requires personal information? Well, go to https://www.pacificinsurancegroup.com/ and you can generate a quote from twenty-two of the best independent life insurance companies without having to enter your name, email, or phone number. Pacific Insurance Group based out of Bellevue Washington lets you run the numbers yourself, their approach is simple… if you like what you see and want more information reach out to them by calling 425-246-4222, or schedule an appointment with Carter Gray CLU (which stands for Chartered Life Underwriter…

Best Term Life Insurance Products in Washington State

There are three important things to consider when purchasing term life insurance  Price – How does the term life insurance policy stack up against other companies in regards to price? Most people would agree a Lamborghini would be awesome to drive around if you had an extra $500,000 hanging around, but it is unrealistic for most people. There are some very expensive term life insurance policies with highly rated insurance companies who do a great job advertising on television, but are you paying way much for them because you have “heard of them”, or “seen” them on tv? …

Utilizing Cash Value Life Insurance for Tax Diversification

Cash value life insurance can be used to create tax diversification because the build up growth inside the policy can be taken out as loans, which if done correctly and managed properly, are forgiven at death under the current tax code. Affluent investors have been utilizing cash value life insurance for many years as a way of hedging against future tax rates. In fact, rumor has it that Walt Disney borrowed money from his Whole Life insurance policy to start one of the greatest companies of all time. The concept of tax diversification utilizing cash value life insurance is to…

Best Online Life Insurance for Washington State Residents

What makes Pacific Insurance Group the “best” place for online life insurance? Great question!  Independent – we represent highly rated life insurance companies and put people’s needs first.  Product Knowledge – some companies are better for different situations; we want to assist you with this information so you can get the “best” deal. Whether it is term life insurance, or cash value life insurance guaranteed for the rest of your life, we can make sure you pay the least amount possible with the most benefits.  We actually care – we have agents across the entire state of…

4 Things You Need to Know about Fixed Indexed Annuities

Whether or not you believe in annuities, we have been helping people with them for over a decade and have a lot of extremely satisfied customers because the annuities were purchased with a level of understanding how the products work. Fixed annuities and fixed indexed annuities are wonderful for the right people. Generally, people who are conservative by nature, afraid of losing money, have the right time horizon, are great candidates to explore the benefits of annuities. But there are important factors to keep in mind: 1) Allocation options and “CAPS” can change – it is likely after the annuity…

Life Insurance For The Stay At Home Spouse

What will be the financial impact if the stay at home parent prematurely passes away? Many people believe it is important for the main wage earner in the household have a life insurance policy so upon their death the household would be able to continue without experiencing any financial hardships. But have you ever thought about the spouse/partner that says home with the children? Upon the event of their death do you know how much money it would cost to have someone fill that void? A nanny/babysitter, cleaner, cook, household manager etc.? Questions to consider:  Who will wake up…

How to Prepare for an Online Life Insurance Meeting

With the advancement of technology, purchasing life insurance online can be quick and easy. A lot of companies even have accelerated underwriting programs which do not require a blood draw, nowadays there is so much information available for life insurance underwriters which makes it easier to determine the risk (rate class) without analyzing blood and urine lab work results. When it comes to preparing for an online life insurance meeting it is helpful to write down your existing and pre-existing health issues, what medications you are taking, and what you are taking them for. An accurate height and weight is…

What are the “Living Benefits” on Life Insurance Policies?

Living benefits are now being built into a lot of term and permanent life insurance policies. Examples of these “living benefits” are:  Terminal Illness – doctor says you have two years or less to live  Chronic Illness – you need assistance with eating, bathing, dressing, toileting, transferring, and going to the bathroom (continence).  Critical Illness – cancer, stroke, heart attack, major organ transplant, kidney failure, etc. If you are searching for life insurance, check out the pricing of policies with accelerated benefit riders vs. those without them. Depending on where you are looking policies with accelerated benefit…

Guaranteed Level Term Insurance

Guaranteed Level Term life insurance is generally a low-cost option that’s designed to provide pure death benefit protection for a set period of time. The policyholder pays the premiums and if they die while the policy is in effect, their beneficiary receives the death benefit. There are several factors to take into account when looking for term insurance. How long do you need the coverage? Some people want term insurance just during their working years for loss of income. Others may need coverage to cover a business loan or even the mortgage on a house. Term life policies expire after…

How To Get The Best Deal on Life Insurance

If you haven’t figured it out yet, it’s called life insurance because it is based on someone’s life. This person is commonly referred to as the “insured”, which is fancy terminology for the person the insurance company is betting on NOT to die prematurely. In order to come up with the pricing for what they are going to charge, they will want information about the health and activities of the insured which is called the “underwriting process”. These can increase the price for life insurance:  Family history – has a parent or sibling been diagnosed or died from cancer…