Banner Life Insurance Reviewed.....

It's amazing that Banner Life is one of the oldest and largest life insurance companies in the world, but they hardly ever advertise. A lot of people call us just to ask about Banner and whether or not they are a reputable company. The answer is yes! They have been writing insurance for well over 100 years and the are A+ rated. Here is a full review of Banner Life, https://www.jrcinsurancegroup.com/banner-life-insurance-review-ratings-pricing-service/

Does working with an Agency or Broker cost more?

Why should I work with you instead of the insurance company directly?

We do not charge any fees for our services and we will impartially shop the market for you to make sure we match you up with the top-rated insurance company that will charge you the least. Whether you buy the insurance from us, or directly though the companies we respresent, the price is the same. By working with our agency you will be paired with a professional agent with multiple years of experience. Our insurance professionals will serve as the liasion between you and the insurance company by working with them directly. This means a personalized agent that you know and trust allowing you to avoid long hold times and dealing with a call center. 

What is a beneficiary and how do I select mine?

A "beneficiary" is the person, business, or organization that you want to leave money behind for. A beneficiary can be your wife, children, parent, fiance, or a business, church, etc. When you select a beneficiary you should ask yourself, "If something happens to me, where do I want this money to go." For most people the answer is their spouse. A beneficiary should be the person or organization that will be financially affected if you are no longer in the picture.

What if I want this money to go to my children and they are really young? There are 3 options for this. Option number 1 is to select a relative or person who would agree to take care of your children and name them as the beneficiary. Option number 2 is to name the children directly. In this case if something happens to you, the court will appoint the closest relative to the children and the court will allocate the money to this relative for your children as needed. Option 3 is to set up a trust or will.

Still have questions? We have answers....

I have diabetes, what company is the best for me?

Every insurance company has it own guidelines for underwriting person with diabetes. The best way to slect the company for you is to obtain your A1C number also known as hemoglobin A1c, HbA1c, or glycohemoglobin test. Your A1C number reflects how well your diabetes is managed. Having an A1C under 7.0 will allow some companies to issue credits to reduce your price. If your A1C is over 7.0 we have the best option for you as well.

Still have questions?

I smoke cigars, can I get a non smoking rate?

Yes. Some companies we work with will completely overlook an occassional cigar. Do you smoke cigars daily? That's okay too. Some companies look at a cigar smoker completely differently than a cigarette smoker and underwrite the risk much more leniently. This is also the case for chewing tobacco and in some cases even electronic cigarettes. Are you paying a smoker's rates and not smoking cigarettes? Give us a call...

I've never heard of this Insurance company are they a good company?

In life insurance, some companies advertise a lot more than others, but this doesn't mean they are a larger or better company. The companies most people know best are the companies that usually specialize in auto insurance, not life insurance. 

Life Insurance is a heavily regulated industry. Each state has their own insurance commissioner and this person's job is to make sure that every life insurance company that is licensed to sell insurance within the state has the financial backing to pay out the claims on every policy sold.  

We rely on AM Best to select the companies we work with. AM Best is the largest and most trusted consumer information center for the insurance industry. AM Best assigns a letter grade for each insurance company based on financial standings. We only represent insurance companies that are in "A Excellent" financial standing or better.

Learn more about AM Best.

Have a question?

About Me...

I am a Nationally Licensed Life Insurance Broker. I have successfully helped over 1200 people select and purchase the best insurance policy for their needs. I am well-versed and trained in insurance underwriting and I have sold and sell life insurance for companies including but not limited to; Fidelity, Transamerica, Prudential, Globe, William Penn/Banner, ING/Reliastar, GenWorth/First Colony Life, AIG, United Of Omaha, Protective/West Coast Life, SBLI, etc.

Having a Life Insurance Broker that have been trained in underwriting gives the client the advantage. Why? Because each insurance company has a niche. Some companies are the best for smokers, diabetics, high blood pressure, family history and so on. Having an extensive understanding of underwriting principles allows me to help you select the company that will insure you for the lowest price based on your unique profile.