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Special insurance
carriers for impaired-
risk cases and smokers.*

* Cigar smokers, tobacco
chewers, and occassional
smokers can pass as
non-smokers.


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About Us

We are a national network of experienced and qualified financial and insurance advisors. Our goal is to offer affordable and relevant insurance products in a simple and clear-cut language. In order to meet your needs, we put all the cards on the table so you can pick the one you think is right for you.

Besides other powerful products, we offer instant life insurance quotes for Term Life, Return of Premium Term and Univeral Life guaranteed to age 100. It should not take you more than 30 seconds to get a preliminary quote. More than 20 companies have been selected out of 100 carriers rated at A, A+ or A++ by AM Best.

Whether you are a smoker or an impaired risk case, we have the top-notch insurance carriers competing for you. If there is something that the website due to its limitations does not offer, please do not give up. Give us a call and we will leave no stone unturned to bring to you  what's out there in the market.

The information you provide us is kept strictly confidential. We do not collect your personal data to sell to insurance brokers or anyone else.  

The idea is to offer an honest advice that really works in your favor.
 

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Examples of Rates*
Term Life Insurance
$250K/ 20 Years Level
Age Male Female
35 $13.34 $12.47
40 $17.72 $15.53
45 $29.97 $23.84
50 $47.25 $33.03
Monthly Rates.*See note

Return of Premium
$250K/ 20 Years Level
Age Male Female
35 $34.78 $29.31
40 $42.88 $42.88
45 $73.30 $62.44
50 $111.77 $89.39
Learn more about it

Universal Life Insurance
$250K/ Gtd. till age 100!
Age Male Female
35 $112.50 $89.58
40 $137.81 $114.41
45 $169.53 139.34
50 $209.25 176.41
*Note: Premiums are based
on actual date of birth at 
Preferred Plus Non-smoker
monthly rates.
Rates are higher for other
underwriting classifications.
Rates are subject to change,
state availability, and issue
limitations.
Current as of March 15, 2008.




















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