LifeInsuranceAdvisors.com

Insurance Companies Available in the United States

2006-06-06T05:37:00.000-05:00

At LifeInsuranceAdvisors.com, we represent dozens of the most competitive life insurance companies available. Below is a list of life insurance companies in the United States. We do not represent every company but do represent the most competitive companies and can offer you a comparison of our most competitive companies to your life insurance company.
AAA Life Insurance Company
Allianz Life Insurance Company of NA
Allstate Life Insurance Company
Allstate Life Insurance Co of New York
American Community Mutual Insurance
American Fidelity Assurance Company
American Founders Life Insurance Company
American General Life Insurance Company
American Heritage Life Insurance Company
The American Home Life Insurance Company
American International Life Assurance Co NY
American Life Insurance Company of NY
American Mayflower Life INS Co of NY
American National Insurance Company
American States Life Insurance Company
American United Life Insurance Company
Americo Financial Life and Annuity Insurance
Americom Life and Annuity Insurance Co
Ameritas Life Insurance Corporation
AmerUs Life Insurance Company
Assurity Life Insurance Company
Aurora National Life Assurance Company
AXA Equitable Life Insurance Company
Baltimore Life Insurance Company
Bankers Life Insurance Co. of New York
Banner Life Insurance Company
Berkshire Life Insurance Co of America
CM Life Insurance Company
Central Reserve Life Insurance Company
Central States Health & Life Co of Omaha
Chase Insurance Life and Annuity Company
Chase Insurance Life Company of New York
The Chesapeake Life Insurance Company
Cincinnati Life Insurance Company
Columbian Life Insurance Company
Columbian Mutual Life Insurance Company
Companion Life Insurance Company of NY
Continental General Insurance Company
Empire General Life Assurance Corp.
EMC National Life Company
Family Life Insurance Company
Farmers and Traders Life Insurance
Fidelity and Guaranty Life Insurance
Fidelity & Guaranty Life Insurance Co of NY
Fidelity Life Association
First Ameritas Life Insurance of NY
First Colony Life Insurance Company
First MetLife Investors Insurance Co
First Penn-Pacific Life Insurance
General Electric Capital Assurance Co
Gleaner Life Insurance Society
Golden Rule Insurance Company
Government Personnel Mutual Life
Grange Life Insurance Company
Great Southern Life Insurance Company
Guardian Life Insurance Co of America
Horace Mann Life Insurance Company
Humana Insurance Company Inc.
Humana Health Insurance Co of FL Inc.
Humana Insurance Company of Kentucky
Illinois Mutual Life Insurance Company
Indianapolis Life Insurance Company
Investors Life Insurance of North America
Jackson National Life Insurance Company
Jackson National Life of New York
Jefferson National Life Insurance Co
Jefferson Pilot Financial Insurance
Jefferson Pilot
Jefferson Pilot LifeAmerica Insurance Co
John Hancock Life Insurance Company USA
John Hancock Life Insurance Company NY
Kansas City Life Insurance Company
Liberty Life Insurance Company
Life Investors Insurance Co of America
Lincoln Benefit Life Company
Lincoln Life & Annuity Company of NY
Lincoln National Life Insurance Company
Lincoln National
Lincoln Financial Group
Massachusetts Mutual Life Insurance
MetLife Investors USA Insurance Company
Metropolitan Life Insurance Company
Midland National Life Insurance Company
Midwestern National Life of Ohio
Minnesota Life Insurance Company
Monumental Life Insurance Company
MONY Life Insurance Company of America
Motorists Life Insurance Company
MTL Insurance Company
National Life Insurance Co of Vermont
Nationwide Life & Annuity Co of America
Nationwide Life Insurance Company of America
New England Life Insurance Company
New York Life Insurance Company
NYLIFE Insurance Company of Arizona
North American Co for Life and Health
Northwestern Mutual Life Insurance
Occidental Life Insurance Co of North Ca
Ohio National Life Assurance Corporation
The Ohio State Life Insurance Company
Pacific Guardian Life Insurance Co, Ltd.
Pacific Life Insurance Company
Pan-American Life Insurance Company
The Paul Revere Life Insurance Company
The Penn Mutual Life Insurance Company
Peoples Benefit Life Insurance Company
Phoenix Life Insurance Company
Primerica Life Insurance Company
Principal Life Insurance Company
Protective Life & Annuity Insurance Co
Protective Life Insurance Company
Provident Life and Accident Assurance
Pruco Life Insurance Company
Pruco Life Insurance Co of New Jersey
The Pyramid Life Insurance Company
Reliance Standard Life Insurance Company
ReliaStar Life Insurance Company
ReliaStar Life Insurance of New York
Savings Bank Life Insurance Co of MA
Security Mutual Life Insurance Co of NY
Shenandoah Life Insurance Company
State Farm Life Insurance Company
State Mutual Insurance Company
Sunset Life Insurance Company of America
Symetra Life Insurance Company
Texas Life Insurance Company
TIAA-CREF Life Insurance Company
Transamerica Financial Life Insurance Co
Transamerica Occidental Life Insurance
The Travelers Insurance Company
The Travelers Life & Annuity Company
Trustmark Insurance Company
USAA Life Insurance Company
U.S. Financial Life Insurance Company
Union Central Life Insurance Company
The Union Labor Life Insurance Company
United Heritage Mutual Life Insurance
United Insurance Company of America
United Investors Life Insurance Company
United of Omaha Life Insurance Company
United States Life Insurance in the City of NY
Utica National Life Insurance Company
West Coast Life Insurance Company
Western Reserve Life Assurance Co of OH
Western-Southern Life Assurance Company
William Penn Life Insurance Co of NY
World Insurance Company

You can also visit our website for additional information. Look for "U.S. Companies".

Prostate Cancer & Underwriting - What you need to know

2006-04-28T05:55:00.000-05:00

In the past, if you had a history of prostate cancer, insurance companies would decline you for coverage or make it so expensive that it was not worth purchasing.

The good news is that companies are now available that will offer you competitive rates! The bad news is that if you don't get to the right company, you will be paying too much for your coverage!!! LifeInsuranceAdvisors.com offers you the following free information about life insurance underwriting.

Visit our "Health Issue???" section at http://www.lifeinsuranceadvisors.com/health-problems-life-insurance.html for questionnaires and additional information about prostate cancer.

How Underwriting Works:

Insurance companies want to know the following information in order to determine your rate for coverage:

How old were you when diagnosed with prostate cancer?
What date prostate cancer was diagnosed?
What was the stage of the cancer?
What was the Gleason score?
What was the pre-treatment PSA level?
How was your cancer treated? By surgery, radiation, seed implants, etc?
What is post treatment PSA level?
Has there been any recurrence?
Do you have any other medical conditions?

Based on the answers to the above, insurance companies will make offers of insurance to you or decline to cover you.

Underwriting Varies by Company:

Each company has its own underwriting guidelines and philosophy. There are some companies out there that will have no interest in underwriting you, OR they will underwrite you with a very expensive rate. The good news is that there are companies that specialize in underwriting prostate cancer history. They have an excellent understanding of prostate cancer and will make more aggressive offers to you depending on the above answers. Check out the underwriting information available at LifeInsuranceAdvisors.com today!

A Typical Case:

Male age 65: Looking for $500,000 of 10 year term insurance

Diagnosed at age 62 with prostate cancer: Stage 2 prostate cancer, Gleason grade 5, pretreatment PSA level was 18, no current detectable psa level. Prostate cancer was treated with radical prostatectomy.

On a case like this, we send the information out to a number of insurance companies for offers:

Company A = Table 2 offer = $5810 per year.

Company B = Standard + = $5890 per year.

Company C = Preferred = $4075 per year. This company specializes in underwriting prostate cancer history.

Getting to the right company can make the difference! At http://www.lifeinsuranceadvisors.com we understand underwriting and know which companies to go to based on your medical history. Give us a call today at toll free (800) 909-2040 for a free no pressure, no obligation comparison. We'll give you the information you need to make an informed decision about your life insurance.

LifeInsuranceAdvisors.com - Underwriting Tips

2006-04-13T13:55:00.000-05:00

Do you know the underwriting guidelines for the company you are applying to? Take a few minutes to read our tips on getting your best rate for life insurance.

http://www.lifeinsuranceadvisors.com/Underwriting-questions.html

Make sure you read our "Underwriting Tips" before you apply for life insurance.

LifeInsuranceAdvisors.com Guide for tobacco users

2006-04-13T13:22:00.000-05:00

LifeInsuranceAdvisors.com offers you the best and most competitive rates available for life insurance.

This is especially true if you are a current tobacco user.

Each company has its own set of underwriting guidelines to determine your rate for insurance. With LifeInsuranceAdvisors.com, we know the companies and guidelines and direct you to the most competitive company based on your information.

Did you know:

Cigarette Smokers
Cigar Smokers
Tobacco Chewers
Pipe Smokers

can all get NON-TOBACCO RATES!!!!!

It's true. Every company has its own set of underwriting guidelines. LifeInsuranceAdvisors.com knows which companies to go to in order to get you the most competitive rates available.

Visit us today at http://www.lifeinsuranceadvisors.com

LifeInsuranceAdvisors.com

2006-04-13T13:18:00.000-05:00

LifeInsuranceAdvisors.com

Breast Cancer Underwriting

2005-10-07T11:20:00.000-05:00

You may have read the announcement by Hartford Life Insurance that they were improving their underwriting guidelines for breast cancer survivors. You can find the full article on The Hartfords website, below is the jist of it. I will provide additional details when available. My initial thought is that this will be a good thing as most stage 1 cancers are charged the standard rate plus an additional 50-100%, plus an additional $7.50 -$10.00 per every thousand dollars of coverage.

Under The Hartford's new underwriting guidelines, individual life insurance policies are available at standard rates to women who have been treated for the first time for small (1 centimeter or less), well differentiated, localized Stage 1 breast cancer and have a strong prognosis for survival based on the results of common tests.

The Hartford's innovative life insurance underwriting guidelines for breast cancer are in effect for variable universal life, universal life, whole life and term life insurance policies issued by Hartford Life Insurance Co. and Hartford Life and Annuity Insurance Co., subsidiaries of The Hartford.
"Because the outlook for those with breast cancer is so much better today than in the past, The Hartford became convinced that we could also do better in underwriting people with breast cancer," said Dr. Ann Hoven, chief medical officer for The Hartford's Individual Life Division.

"The Hartford based its new underwriting criteria for breast cancer on past experience as well as expectations of continued improvements. We wanted to take a forward-looking approach and make a difference with our actions, call attention to the importance of early detection and enhanced treatment."

Up to 15 percent of those treated for Stage 1 breast cancer in the past five years - more than 100,000 women - would be eligible for life insurance policies at standard rates, Hoven said. Other applicants may continue to buy life insurance but at higher rates.

Update - Prudential just released updated underwriting guidance as far as breast cancer is concerned. We are appointed to represent Prudential and can offer you quotes from Prudential as well as many other companies.

Underwriting Diabetes

2005-10-07T11:08:00.000-05:00

One of the most common health issues we encounter.

Did you know that rates can vary by carrier by as much as 50% or more!

It's true! There are companies available that have a thorough understanding of diabetes. These companies know the true risk and underwrite accordingly. Other companies will simply double your rate.

What do companies look for?

Control - Do you have good control of your diabetes?

Compliance - Are you following doctors orders? Eating the right foods, maintaing a healthy weight, eating the right foods?

Complete Medical Information - Do you have thorough medical records? Have you been going to the doctor for checkups or do you skip appointments and only have sporadic records?

Most companies will take the "standard" rate they offer consumers and charge a Table 2 rate, which means 50% more than the standard rate.

If you have good control, you end up paying 50% more in order to subsidize rates for individuals with poor control!!

Does that seem fair to you?

It is possible to get "standard" rates with some of the carriers if you know who to go to. More on this soon. Thank you.

Life Insurance for individuals with Health Issues

2005-10-07T10:54:00.000-05:00

Did you know that not all companies are the same when it comes to underwriting individuals with health issues!

It's true. While some companies will add a rating onto the standard rate that others pay, there are other companies that aggressively underwrite you for standard rates.

I'm Michael J Horbal, President of www.LifeInsuranceAdvisors.com.

I help individuals obtain the coverage they need at the most competitive rates available. You will see additional posts soon about diabetes, heart disease, cancer, and more.

Free Advice - I'll tell you the companies to go to, the preparation needed, and the information you need to know in order to be an informed consumer.