The Life Insurance Pro, 12447 Central Avenue, Chino, CA (2026)

09/03/2019

What is no medical exam life insurance?

No medical exam policies are exactly what their name implies: You don’t have to take a medical exam like you do with traditional life insurance policies. Yet, they provide the same guaranteed coverage.

Usually, no medical exam policies are still fully underwritten — just not with a medical exam.

What insurers use to qualify you without an exam:

● Pharmacy report, which lists all medications you’ve been prescribed over the last 5–10 years

● Motor Vehicle Department report

● Medical Insurance Bureau report (to see if you’ve applied for or been denied life insurance in the past)

● Credit/financial history (only a few insurance companies check this)

The three types of no medical exam policies

1. Accelerated Acceptance Policies

These are the same policies that normally require an exam. They’re among the most competitively priced in the market. With this type of policy, the company sees no need to invest in a medical exam.

For healthy people, this is the best option. Only a select group of companies offers accelerated underwriting options.

2. Simplified Issue Policies

Simplified issue policies are those that offer no medical options to people with excellent to average health.

If you’re in excellent health, your policy will be approved immediately.

If your health history includes a serious or chronic illness, some insurers might require a medical report from the doctors you’ve seen. And if they can’t get the records they need, they might then require a medical exam. We know which ones do and don’t.

3. Express or Instant Issue Policies

With express or instant issue products, the insurance company approves or declines your application immediately. In some cases, an underwriter might review your application to make a final decision. This can push the approval time to 24 hours.

Express issue policies offer the same price for everyone, regardless of health. But, some insurers will decline an application based on current or previous health status. We know which ones are most likely to approve you.

03/20/2019

Do life insurance companies have access to medical records?

Life Insurance companies don't have access to your medical records BUT they have the ability to request them from your doctor's office.
Every time someone applies for life insurance they sign a HIPAA authorization form on their application.
HIPAA stands for Health Insurance Portability and Accountability Act. When this form is signed on

the application you, the client, are giving authorization to the life insurance company to access your medical records. The life insurance company will use this form to request permission from your health care provider to release your personal medical records to them.
There is no way around this HIPAA form. If you, the client, decides not to give permission to the life insurance company to your medical records they will most likely not approve your policy.
Life insurance companies approve policies for coverage once they’ve done thier research on your mortality rate. They are not afraid of declining policies if the client is on a higher risk rate than their already set standards. When a client refuses to sign a HIPAA form the company can’t do their proper research and that is the reason why they will most likely not approve a policy for coverage.

If you are considered to be high risk by one life insurance company you can definitely get coverage with a different company. The key is knowing which company sees your specific health condition in the best light. Working with an independent agent/broker who works with multiple life insurance companies is your best bet to getting the most affordable coverage that fits your specific needs.

03/12/2019

Can Life insurance money be taken by creditors?

The life insurance benefit can’t go directly to anyone that isn’t the named beneficiary. However, that doesn’t stop creditors from attempting to collect what is owed to them.
In the event that a deceased person has debt, the creditors can only make a claim against the death benefit for what is owed if the insured names their estate and not a person as the beneficiary. This will vary from state to state depending on their laws. If a person is the named beneficiary and that person doesn’t have debt, creditors can’t collect from the beneficiary any debt owed by the deceased person. Beneficiaries don't have to use their life insurance proceeds to pay the deceased person’s final bills.

One thing to point out is that if the beneficiary or contingent beneficiary the insured appointed is not alive to receive the proceeds then the death benefit can be subject to your creditors if it goes into your estate.
In the case that a beneficiary has debts and creditors find out about the life insurance inheritance, they will attempt to collect some or all of the money depending on the amount owed in debt.

03/06/2019

What is a contestability period?

The contestability period is a short window in which insurance companies can investigate the legitimacy of your application and deny coverage or even a claim.
When you apply for life insurance you sign a contract, this contract has a contestability period. For the most part contestability periods are of 2 years from the date your policy goes into effect. The contestability period will vary from the company and the state the policy is issued at. This period can be anywhere from 1 to 3 years. Ask your agent about the contestability period to find out how long is the contestability period in your policy.
Life insurance companies have a contestability period to protect themselves from fraud. Believe it or not even today, people try to commit fraud with life insurance. By law, companies have the contestability period to investigate the legitimacy of your application and deny you coverage or even a claim if they find out you lied on the application.
Now that you know that there is a contestability period you should know about the incontestability clause. Most life insurance policies include an incontestability clause that prevents the life insurance companies from voiding coverage due to a misstatement by the insured after a specific amount of time has passed. This means that after the contestability period, that your policy contract states, the policy is to be incontestable.
Comment this emoji → ℹ️ if you would like us to post real situations of cases denied because of misrepresentation. (Of course, we will never disclose personal information of our clients and will use client as the name to protect their identity.)

03/05/2019

Should I replace my Primerica Life Insurance Policy?

The short answer is YES! But keep in mind that there are certain scenarios where replacing your Primerica policy may NOT be the best thing to do. For example, you may not be eligible to get new coverage due to any existing illnesses or it may just not make sense for many other reasons.

DISCLAIMER: all life insurance policies have a 2 year contestability period and if you are passed that point, it may make more sense to keep your current policy. (Keep an eye out for my “life insurance contestability period” post coming soon.)

I know some of you may be shocked to find out that Primerica is NOT your best option. Primerica agents themselves are shocked too!

I’ve had many Primerica agents tell me that Primerica was one of the top companies for term life insurance to which I strongly disagree.

Before we dive in, I would like to say that Primerica is a well-established life insurance company founded in 1977 with creditable backing history and high financial stability ratings. Of course, there’s a lot of factors to consider but those are the facts on Primerica.

With that being said, Primerica is NOT your best option and definitely not on the top of the list of companies for term life insurance when it comes to affordability. Primerica agents have argued with me that Primerica is on the top 3 for affordability and I always challenge them on this.

This is how it usually goes down…. we both take out our quote generator on our phones and look for the exact product, a $1,000,000 30 year term for a healthy (we choose the same health rating) 35-year-old male. The result is always a $30+ difference for the exact product, apples to apples. I let the Primerica agent choose the scenario by the way and it’s always the same result.

See below for the exact quotes from my last demonstration to an agent:

Primerica:
-35-year-old Male, preferred plus, $1,000,000 30 year Term
Primerica → $111 per month.

The Life Ins Pro:
-35-year-old Male, preferred plus, $1,000,000 30 year Term
AIG → $70 (includes living benefits)
Pacific Life → $72 per month.
American National → $76 per month.
Mutual of Omaha → $78 per month.

As you can see the difference from the best rate comes from AIG and is at a $41 difference. That isn’t counting the fact that AIG includes living benefits which Primerica term illustrated is not. (Check out our other post for info on living benefits.)

Every single time I can illustrate quotes from 10+ companies that are way more affordable than Primerica. The conclusion is that NO, Primerica is not one of the top companies for life insurance when it comes to affordability.

Primerica products are not products I, as an independent agent, can sell to my clients and Primerica agents only sell Primerica products. Lucky for me I’ve had the chance to compare Primerica to other insurance companies because I’ve challenged the affordability with many Primerica agents. I also replace Primerica policies all the time and based on that, Primerica is not the best company for affordability in a term policy. You can obtain the same term policy Primerica offers for 30-40% cheaper with other life insurance companies.

Go ahead… I challenge you to comment below or DM me to compare quotes. Tell me how much you pay and I will let you know how much you are overpaying.

You can also try to compare your own quote online www.thelifeinspro.com link is on my bio. Remember this quoter is an estimate and in order to get the most accurate quote, you need to work with an agent who understands underwriting guidelines to quote you properly.

At the end of the day, I tell all my clients their options and they decide. There’s nothing wrong in having an overpriced term policy if you are okay with that.

02/19/2019

6 years ago 🕰️I had someone who started mentoring me in the💹 financial services Industry. Fast forward ⏭️to 2 years later into that mentorship I was getting ready to make a huge move🚚 and this so called mentor completely 🚧🚫deleted me out of his life because the student was ready to fly✈️.

Lucky 🍀for me, right at this time, I was introduced🤝 to my now the man with the master 🎓plan Manny Soto, , and he became my mentor for life.

Guys, I had to convince 🙏 Manny to mentor me and honestly if it wasn’t for my good friend/brother Albert who used his favor 🃏card on Manny he probably wouldn’t have took me under his wing at that time.

Manny’s mentorship in this industry has taught me a lot. He was willing to let go of his mentee so that I could build my brand utilizing knowledge 👔📚📖📑 and skills imparted by him. Now that’s what you call a true mentor✔️, someone who will mentor a less-experienced person🐣 in this industry and make it a responsibility to train them properly and allow them to fly 🛫 when they are ready. The best part of these mentorship sessions is that we became brothers🕺🕺.

He hasn’t just took me under his wing he continues to take a lot of newbies 🚼 in the industry to learn about the financial industry and that is exactly why he is my .

Forever grateful🙏 to his knowledge 📚and generosity to share it with others so selflessly.

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02/01/2019

How can someone know what they are doing right or wrong if it's not thru feedback?

We LOVE feedback and we would love to hear from you to see what your experience with The Life Insurance Pro has been like! :) Good or bad we want to know.

Use your favorite review method to leave us a review.
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01/31/2019

Since today is the last day of January I encourage you all to stop and reflect on it. 📆

🌟Did you do what you said you would do?
🌟Did you stick to your new year resolutions?
🌟What’s something you did in January that you are proud of?

Don’t worry if you didn’t do everything you said you would do. What you should worry about is reflecting on the past to better prepare for the future. 💪

You saw what you did or did not do and what worked and what didn’t. Now it’s ⏰to use that knowledge to set clear, specific, realistic and timely goals that you can completely be in 🎮of and can help you stay motivated, committed, and concentrated. 🙌

I’ll be honest with you I didn’t go to the gym 🏋️6 days a week or had🅾️🍞 no carbs after 6pm or drank a gallon of 💦water a day. However, I did create Motivational Mondays. I did it! I produced a video every monday in January. I really hope you all have enjoyed it because even if they are short they took a lot of work.🚧🔨💼🧰

I found on this day reflecting that I going from 3 gym days a week to 6 gym days a week is not a realistic sustainable goal for me at this time. Going from no carb restriction to a huge carb restriction will only set me for failure.

Find out what you’re currently doing and push it little by little so you can reach your goal and maintain it.

New month means new goals and I’m excited to bring you all informational and motivational videos that bring value to your daily living.

Go ahead comment below to let me know what 2019 proud moments you’ve had so far. ⌨️💬
Don’t forget to like this video and/or share if you found value in it. ❤️🙏

01/24/2019

Compliment someone who deserves a little extra appreciation on .

Would your spouse and or family feel complimented if you have life insurance so if something were to happen to you, they would be taken care of?

Tag the special people in your life to let them know you appreciate them.

Get a quote in 90 seconds, we can save you up to 58% on your life insurance.
www.thelifeinspro.com

01/23/2019

Happy National Pie Day!

Lucky us here at the office we have a pie store nearby and we each get to choose by the slice so everyone gets what they want.

Getting Insurance thru The Life Insurance Pro is easy as pie!

We're like a pie store, choose what fits your needs and specific situations. No brokers, no upselling.

Get a quote in 90 seconds and save up to 58%.

www.thelifeinspro.com

01/17/2019

Have questions❔❓ Give us a 📱(909) 312-2082

or head on over to 🖱️www.thelifeinspro.com to 📖 read all about the different types of life insurance available for you.

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The Life Insurance Pro

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