Not4Profit Life Insurance

05/19/2021

During the pandemic, our insurance business really suffered! Our best life insurance policies need to be applied for face to face. Why? The best policies with the lowest rates require field underwriting. Simply put, our job is to verify the customer's identity in person. Doing that reduces the insurance company risk and lowers rates by 40% or more. If you have been waiting to get a life insurance plan or you think you overpaid during the pandemic, send us a quick message describing what you want in a policy. We will let you know if we can help, and if we can, we make field underwriting painless! We offer final expense policies starting at $5,000 to any other life insurance plan you need.

05/17/2021

Every day we get calls from people who thought they had a permanent life insurance policy only to find out months and years later that they didn't. How does this happen? Primarily, we see it happen to people who purchased Globe Life, AARP and AAA plans. These plans are TERM policies marketed as final expense plans. But they definitely are not. They go up in price as you age and cancel when you reach a certain age. For instance, the AARP plan ends at 80 and Globe Life quadruples in cost over time. If you find yourself in this position, find an independent agent who works with the real permanent life insurance companies. Their job is to find you a true final expense plan at the best value in Connecticut. We can help.

05/06/2021

Thank you for liking our page! We are working hard to explain and promote these non-profit insurance plans. These companies are often overlooked in a marketplace filled with for profit insurance advertising! If you want to get a plan quote, whatever your life insurance needs, just message us your age and desired coverage, we will get back to with your best plan and rate.

05/02/2021

So what does it mean when we say non profit insurance companies offer the lowest life insurance rates in Connecticut? Lets look at a real life example. Lets take a 60 year old man looking for a $25,000 final expense life insurance policy that has immediate coverage and never goes up in cost. If he looked for rates online or talked to his local agent, he will be quoted monthly rates ranging from $104 with Mutual of Omaha to over $200 with other carriers. When you come to us, we look at all carriers including the unadvertised plans that don't have online quoting tools. That same 60 year old male would be quoted $74.54 for that same policy- a 30% savings off the best quote he or anyone else will find online.

04/30/2021

Subsidized life insurance? These plans are a well hidden secret in the life insurance industry. Their rates are often 30-50% less than their for profit peers while providing the exact same or better benefits. Why don't you hear more about them? Primarily because they pay the lowest agent commissions, require an additional broker license, and cannot be sold online. Who operates these subsidized companies? These plans are non-profit and regulated by the State of Connecticut Insurance Commissioner as fraternal life insurance companies. They include charitable insurance companies like Knights of Columbus, GCU-USA, Foresters, Women's Life and many others. We are among the very few agencies nationally that actively promote these plans despite the low agent commissions. Please message us, call or visit our website to learn more. They are easy to apply for and undoubtedly the smartest life insurance a consumer can buy.

04/28/2021

Recently, I met with Robert and Sandy in Norwalk. They wanted to get modest final expense life insurance policies on each other. Prior to meeting with us, they had researched the insurance offered by Colonial Penn. $9.95 a month turned quickly into over $100 a month each for the amount of coverage they wanted. They then turned to Globe Life where they learned the first month only cost a penny for each of them. Upon further inspection, they also learned their rates would rise every 5 years to levels that were well over their budget. They then looked at the direct mail coverages offered by AARP and AAA. Still the rates seemed awfully high. They wondered if they should just put money away each month into a savings account rather then have a policy. What we showed them changed their minds. Because we look at every insurance company licensed in CT, even those with very low agent commissions, they were able to get plans for each of them 40% less than the best advertised price they had researched. They were satisfied to know that with the policies they chose there was never a situation where they would pay more than the policy would ultimately pay out.

04/26/2021

We see so much procrastination when it comes to the life insurance needs of people over 50. We take care of objections over its cost- the non profit plans are affordable and can be fit in most everyone's budget. But there remains a reticence to talk about mortality. We get it --we are human too! The good news is you only need to do it once and it feels great to get it out of the way.

You are in the right place to get the real scoop on what your lowest life insurance rate is here in Connecticut. We will hand you $250 cash on the spot if you find a more affordable policy anywhere else.

04/23/2021

04/22/2021

Most things are cheaper when you buy them online. Life insurance isn't one of them. The old fashioned way (signing the application with a real pen) is still the cheapest. Why? Because when you apply with one of our local CT agents they verify your identification and general health condition to the insurer. That puts you in a lower risk pool and lowers your rates by at least 20%! We make it easy for you to do this- by having one of our experienced and friendly field underwriters meet with you at your home for 5-10 minutes to sign the application. Its not as easy on us but it lets you save thousands over the life of your policy. We are so confident we can save CT residents money when they do it the old fashioned way that we will pay you $250 Cash on the spot if we don't beat your best quote on any type of life insurance.

You are in the right place to get the real scoop on what your lowest life insurance rate is here in Connecticut. We will hand you $250 cash on the spot if you find a more affordable policy anywhere else.