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Finalizing Life Insurance Policy


Accepting the offer and Finalizing life insurance policyBy James Tobin, CFP®Critical TakeawaysNote the draft day

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Finalizing Life Insurance Policy

Is Universal Life Insurance A Scam?


Is Universal Life Insurance A Scam? …Everything You need to knowBy James Tobin ®Critical TakeawaysUniversal Life

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Is Universal Life Insurance A Scam?

Return of Premium Life Insurance


Return Of Premium Life Insurance By James Tobin, CFP®Critical TakeawaysLimited Number of carrier options availableexcellent as

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Return of Premium Life Insurance

Guaranteed Issue Life Insurance


Guaranteed Issue Life insuranceBy James Tobin, CFP®  Critical  TakeawaysApproval Guaranteed 2 year waiting period for full

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Guaranteed Issue Life Insurance

Do I Need An Annual Physical for life Insurance?


Annual Physical for Life InsuranceBy James Tobin, CFPCritical TakeawaysA regular physical is not required  for

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Do I Need An Annual Physical for life Insurance?

Declined For Term Life Insurance?


Declined for Term Life InsuranceBy James Tobin, CFP®Critical TakeawaysYou can request a detailed explanation of

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Declined For Term Life Insurance?

Life Insurance With Family Cancer History


Replacing Your Employer-Sponsored Life Insurance: For People with  Family Cancer HistoryBy James Tobin, CFPCritical TakeawaysFamily

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Life Insurance With Family Cancer History

Understanding Term Life Insurance Policies


Understanding Term Life Insurance Policy Terms & OptionsBy Jim Tobin, CFP Article TakeawaysThe Pricing Formula for

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Understanding Term Life Insurance Policies

Choosing Terms: How Much & For how Long ?


Choosing Terms: How Much & For how Long?By Jim Tobin, CFP Critical TakeawaysChoose Enough to Cover

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Choosing Terms: How Much & For how Long ?

Life Insurance with Asthma- Get the Best Deal


Replacing Employer-Sponsored Life Insurance Plan for People with AsthmaBy James Tobin, CFP®Critical Takeawayspreferred + rates

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Life Insurance with Asthma- Get the Best Deal

Sagicor Goes Consumer Direct How Technology Enables Sleazy Marketing Practices


Replacing Employer-Sponsored Life Insurance Plan with SagicorBy James Tobin, CFP®Critical TakeawaysCarriers are selling directly onlineThe

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Sagicor Goes Consumer Direct How Technology Enables Sleazy Marketing Practices

Annual Life Insurance Review Considerations


Annual Life Insurance ReviewIssues to ConsiderBy James Tobin, CFP®Critical TakeawaysPersonal life events drive life insurance

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Annual Life Insurance Review Considerations

Life Insurance In Your Early Twenties?The Pros and Cons


What are The Best Life Insurance Options For The Young  20'sLearn About Term Life Insurance

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Life Insurance In Your Early Twenties?The Pros and Cons

Medical Exam for Life Insurance [Get The Facts]


What's Involved in Taking a Medical Exam for Life Insurance?By James Tobin , CFP®Critical TakeawaysBlood

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Medical Exam for Life Insurance [Get The Facts]

Best 1 Million Dollar Term Life Insurance Policy


Replacing Employer Sponsored Life Insurance with a 1 Million Dollar Insurance PolicyBy James Tobin, CFP®Critical

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Best 1 Million Dollar Term Life Insurance Policy

The Best $500000 Term Life Insurance Policy


The Best $500000 Term Life Insurance PolicyBy James Tobin, CFP®Critical TakeawaysConsider The Financial Strength Of The

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The Best $500000 Term Life Insurance Policy

The Limits to Employer Sponsored Group Life Insurance Plans


The Limits Of Employer-Sponsored Group Life Insurance PlansBy James Tobin, CFP®Critical TakeawaysGroup policies offered through

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The Limits to Employer Sponsored Group Life Insurance Plans

Is Whole Life Insurance the Best Choice?


Is Whole Life Insurance the Best Choice?Get the Best Deal PossibleBy James Tobin, CFP ®Critical  Takeaway'sThought

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Is Whole Life Insurance the Best Choice?

Guide To Life Insurance Table Ratings


Guide To Life Insurance Table RatingsBy James Tobin, CFP®Critical TakeawaysTable ratings are based on the

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Guide To Life Insurance Table Ratings

Choosing a Life Insurance Quote


choosing a life insurance quote By James Tobin, CFP®Critical TakeawaysDifferent carriers Have Different Risk AppetitesFinancial Strength

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Choosing a Life Insurance Quote

The Benefits of Life Insurance


Benefits of Life InsuranceBy James Tobin, CFP®Critical TakeawaysBenefits can be psychololicalPolicy Riders are contractual benefitsThe

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The Benefits of Life Insurance

2023 Life Insurance Buyer’s Guide


Life Insurance Buyer's Guide 2023By James Tobin, CFP®Critical TakeawaysThis  Buyers guide covers everything you need

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2023 Life Insurance Buyer’s Guide

Term Life Insurance Conversion Rights Everything You Need to know


Term Life Insurance Conversion Rights ReviewBy James Tobin, CFP®Critical TakeawaysConversion is to a permanent policyNo

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Term Life Insurance Conversion Rights Everything You Need to know

The Life Insurance Application Process


The Life Insurance Application ProcessBy James Tobin, CFP®Critical TakeawaysChoosing Terms  & getting pricingMedical exam &

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The Life Insurance Application Process

No Medical Exam Life Insurance


No Medical Exam Life Insurance By James Tobin, CFP®Critical TakeawaysAvoids Needs, Convenient, Policy Issued FastPricing  Competitive

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No Medical Exam Life Insurance

Burial Insurance


Burial InsuranceBy James P. Tobin, CFP ®Underwriting  TakeawaysFinal Expense Policies are small whole life policies  Final

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Burial Insurance

Guide To Attending Physician Statement For Life Insurance


Guide To Attending Physician Statement For Life Insurance (APS)By James Tobin, CFP®Critical TakeawaysWhat details are

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Guide To Attending Physician Statement For Life Insurance

Life Insurance Underwriting


Life Insurance UnderwritingBy James Tobin, CFP®Critical TakeawaysThe Life Insurance Company/Quote You ChooseThe Type Of Life

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Life Insurance Underwriting

How To Choose A Term Life Insurance Quote


Replacing Employer-Sponsored Life Insurance plan with a Term Life Insurance QuoteBy James Tobin®Article TakeawaysDecide on

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How To Choose A Term Life Insurance Quote

Understanding the Medical Information Bureau


Replacing Employer-Sponsored Life Insurance Plan: Understanding The Medical Information BureauBy James Tobin, CFP®Critical TakeawaysThe MIB

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Understanding the Medical Information Bureau
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American National Life Insurance Review 2023


Replacing Employer Based Life Insurance With American NationalSee Our ReviewBy James Tobin, CFPPro Tip:

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Navigate Life Insurance With Health Conditions & Dangerous Activities- 2023

Obesity and Life Insurance Everything You Need to Know


Replacing Your Employer-Sponsored Life Insurance: For People with Obesity.By James Tobin , CFP®Underwriting TakeawaysRate Impact

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Obesity and Life Insurance Everything You Need to Know

Life Insurance Approved as a Pot Smoker


Replacing Employer-Sponsored Life Insurance: For Pot SmokersBy James Tobin, CFP®Critical TakeawaysRate Impact Minor to ModeratePricing

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Life Insurance Approved as a Pot Smoker

Declined For Term Life Insurance?


Declined for Term Life InsuranceBy James Tobin, CFP®Critical TakeawaysYou can request a detailed explanation of

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Declined For Term Life Insurance?

Life Insurance With Family Cancer History


Replacing Your Employer-Sponsored Life Insurance: For People with  Family Cancer HistoryBy James Tobin, CFPCritical TakeawaysFamily

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Life Insurance With Family Cancer History

Life Insurance For SCUBA Divers


Replacing Your Employer-Sponsored Life Insurance: For SCUBA diversBy James Tobin, CFP®Critical TakeawaysImpact on rates: Potentially

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Life Insurance For SCUBA Divers

Life Insurance With Type 2 Diabetes


Replacing Your Employer-Sponsored Life Insurance: Person with Type 2 DiabetesBy James Tobin, CFP®Key TakeawaysRate Impact

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Life Insurance With Type 2 Diabetes

Life Insurance With Acid Reflux (GERD)


Replacing Employer-Sponsored Life Insurance For someone with Acid Reflux (GERD)By James Tobin, CFP®Critical TakeawaysImpact on  Underwriting

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Life Insurance With Acid Reflux (GERD)

Life Insurance with Asthma- Get the Best Deal


Replacing Employer-Sponsored Life Insurance Plan for People with AsthmaBy James Tobin, CFP®Critical Takeawayspreferred + rates

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Life Insurance with Asthma- Get the Best Deal

Life Insurance with Addison’s Disease


Replacing your Employer-Sponsored Life Insurance Plan: For Someone with Addison's DiseaseBy James Tobin, CFP®Critical TakeawaysRate

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Life Insurance with Addison’s Disease

Life Insurance with Eating Disorder History


Replacing Employer-Sponsored Life Insurance: For Someone with Eating Disorder HistoryBy James Tobin, CFP®Critical TakeawaysRate Impact

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Life Insurance with Eating Disorder History

Life Insurance with Family History of Heart Disease


Replacing Your Employer-Sponsored Life Insurance: For Someone with a family history of heart diseaseBy James

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Life Insurance with Family History of Heart Disease

Life Insurance After Colon Polyps [Get The Facts]


Replacing Employer-Sponsored Life Insurance: For People with Colon PolypsBy Jim Tobin, CFP®Underwriting  TakeawaysRate Impact Minor to

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Life Insurance After Colon Polyps [Get The Facts]

Affordable Life Insurance With High Cholesterol


Replacing Employer Sponsored Life Insurance: For People with High CholesterolBy James Tobin, CFP®Critical TakeawaysImpact on

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Affordable Life Insurance With High Cholesterol

Life Insurance with a Thyroid Condition


Replacing Your Employer-Sponsored Life Insurance: For People with Grave's Disease & Thyroid DisorderBy James Tobin,

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Life Insurance with a Thyroid Condition

Get The Best Deal On Life Insurance with Gout


Replacing Employer-Sponsored Life Insurance: For Gout PatientsBy Jim Tobin, CFP®Underwriting  TakeawaysRate Impact Minor to SignificantPricing

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Get The Best Deal On Life Insurance with Gout

Affordable Life Insurance With High Blood Pressure


Replacing Your Employer-Sponsored Life Insurance: For Someone with High Blood PressureBy James Tobin, CFP®Critical TakeawaysImpact

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Affordable Life Insurance With High Blood Pressure

Life Insurance With Poor Driving Record [MVR]


Replacing Your Employer-Sponsored Life Insurance: For People with Poor Driving Record [MVR]By James Tobin, CFP®Critical

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Life Insurance With Poor Driving Record [MVR]

Affordable Life Insurance with Sleep Apnea Guide


Replacing Your Employer-Sponsored Life Insurance: For Someone with Sleep ApneaBy James Tobin, CFP®Critical TakeawaysRate Impact

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Affordable Life Insurance with Sleep Apnea Guide

Life Insurance with AFIB (Atrial Fibrillation) Guide


Replacing Your Employer-Sponsored Life Insurance: For People with Atrial FibrillationBy James Tobin, CFP®Critical TakeawaysRate Impact: 

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Life Insurance with AFIB (Atrial Fibrillation) Guide

Life Insurance with Lupus


Replacing Your Employer-Sponsored Life Insurance: For Someone with LupusBy James Tobin, CFP®Critical TakeawaysRate Impact: Significant Pricing

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Life Insurance with Lupus

Life Insurance After A Heart Attack


Replacing Your Employer-Sponsored Life Insurance: After encountering a Heart AttackBy James Tobin, CFP®Critical TakeawaysImpact on

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Life Insurance After A Heart Attack

Life Insurance After Stroke


Replacing Your Employer-Sponsored Life Insurance: After Facing StrokeBy James Tobin, CFP®Get Approved NowCritical TakeawaysRate Impact

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Life Insurance After Stroke

Guide To Life Insurance with Crohn’s Disease


Affordable Replacement of your Employer-Sponsored Life Insurance: For People with Crohn's DiseaseBy James Tobin, CFP®Critical

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Guide To Life Insurance with Crohn’s Disease

Life Insurance with Type 1 Diabetes Guide


Replacing Your Employer-Sponsored Life Insurance: For People with Type 1 DiabetesBy James Tobin, CFP®Critical TakeawaysEverybody

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Life Insurance with Type 1 Diabetes Guide

Affordable Life Insurance with Anxiety Disorder?Get The Best Deal


Replacing Your Employer-Sponsored Life Insurance: For Someone with Anxiety DisorderBy James Tobin, CFP ®Critical TakeawaysRate

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Affordable Life Insurance with Anxiety Disorder?Get The Best Deal

Affordable Life Insurance With Rheumatoid Arthritis [RA]


Replacing your Employer-Sponsored Life Insurance for People with Rheumatoid ArthritisBy James Tobin, CFP®Critical TakeawaysRate Impact

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Affordable Life Insurance With Rheumatoid Arthritis [RA]

Affordable Life Insurance With DUI/DWI On Driving Record


Replacing Your Employer-Sponsored Life Insurance: People with DUI/DWI On Driving RecordBy James P. Tobin ®Underwriting

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Affordable Life Insurance With DUI/DWI On Driving Record

Life Insurance after Weight Loss Surgery


Replacing your Employer-Sponsored Life Insurance After Weight Loss SurgeryBy James Tobin, CFP®Critical TakeawaysRate Impact SignificantPricing

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Life Insurance after Weight Loss Surgery

Life Insurance Approval With Depression


Replacing Employer-Sponsored Life Insurance: For People Facing DepressionBy James Tobin, CFP® Key TakeawaysRate Impact Significant for

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Life Insurance Approval With Depression

Guide to Affordable Life Insurance After Skin Cancer


Replacing Employer-Sponsored Life Insurance: For People with Skin Cancer HistoryBy James Tobin, CFP®Critical TakeawaysImpact on

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Guide to Affordable Life Insurance After Skin Cancer

Affordable Life Insurance With Ativan Use


Replacing Employer-Sponsored Life Insurance for Ativan UsersBy James Tobin, CFP®Critical TakeawaysImpact on  Underwriting Class: Possibly  Significant Preferred

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Affordable Life Insurance With Ativan Use

Affordable Life Insurance with Migraine Headaches


Replacing Employer-Sponsored Life Insurance: For People with Migraine HeadachesBy James Tobin, CFP®Critical TakeawaysRate Impact Minor

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Affordable Life Insurance with Migraine Headaches

Life Insurance After Bypass Surgery?What You Need To Know


If you are wondering about getting an affordable life insurance after bypass surgery, you have

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Life Insurance After Bypass Surgery?What You Need To Know

Best Life Insurance For A Woman Aged 63


Replacing Your Employer-Sponsored Life Insurance: For  A 63 Years Old Woman.Choose between temporary and permanent

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Best Life Insurance For A Woman Aged 63

Best Life Insurance For Woman Aged 61


Replacing your Employer-Based Life Insurance Plan: For A 61 Years Old Woman.Choose between temporary and

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Best Life Insurance For Woman Aged 61

Best Life Insurance For Men Aged 63


Replacing Employer-Based Life Insurance plan: For A 63 Years Old ManBy James P. Tobin, CFPChoose

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Best Life Insurance For Men Aged 63

Best Life Insurance For Men Aged 65


Replacing Employer-Sponsored Life Insurance plan: For a 65 Year Old ManChoose between temporary and permanent

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Best Life Insurance For Men Aged 65

Best Life Insurance For 65-Year-Old Woman


Replacing Employer-Sponsored Life Insurance plan: For a 65 Year Old WomanChoose between temporary and permanent

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Best Life Insurance For 65-Year-Old Woman

Best Life Insurance For 60-Year-Old Woman


What are The Best Life Insurance Options For  A 60 Year Old woman? Choose between

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Best Life Insurance For 60-Year-Old Woman

Best Life Insurance For A 40-Year-Old Woman


Replacing Employer-Sponsored Life Insurance plan: For a 40 Year Old WomanBy James Tobin, CFP®What Information

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Best Life Insurance For A 40-Year-Old Woman

Best Life Insurance For Men Aged 60


Replacing Employer-Sponsored Life Insurance plan: For a 60 Year Old Man60Choose between temporary and permanent

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Best Life Insurance For Men Aged 60

Best Life Insurance For Men Age 47


47Replacing Employer-Sponsored Life Insurance Plan: For 47 Year Old manBy James Tobin, CFP®Critical TakeawaysChoice of

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Best Life Insurance For Men Age 47

Best Life Insurance For Women Age 44


44Replacing Employer-Sponsored Life Insurance Plan: For Women Aged 44By James Tobin, CFP®Critical TakeawaysChoice of best carrier

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Best Life Insurance For Women Age 44

Best Life Insurance For Males Age 53


53Replacing Employer Sponsored Life Insurance Plan: For a 53 Years Old ManBy James Tobin, CFP®Critical

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Best Life Insurance For Males Age 53

Best Life Insurance For Women Age 54


54Replacing Employer Sponsored Life Insurance Plan: For 54 Years Old WomenBy James Tobin, CFP®Critical TakeawaysChoice

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Best Life Insurance For Women Age 54

Best Life Insurance For Males Age 44


44Replacing Employer-Sponsored Life Insurance Plan: For Males Aged 44By James Tobin, CFP®Critical TakeawaysChoice of best

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Best Life Insurance For Males Age 44

Approved! Best Life Insurance For Women age 59


59Replacing Employer Sponsored Life Insurance plan: For Women age 59 By James Tobin, CFP®Critical TakeawaysChoice of

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Approved! Best Life Insurance For Women age 59

Best Life Insurance For A Male Aged 59


59Replacing Employer Sponsored Life Insurance Plan For a 59 Year old MenBy James Tobin, CFP®Critical

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Best Life Insurance For A Male Aged 59

Best Life Insurance For A Male Aged 54


54Replacing Employer Sponsored Life Insurance Plan: For 54 Year Old MaleBy James Tobin, CFP®Critical TakeawaysChoice

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Best Life Insurance For A Male Aged 54

Best Life Insurance For A Male Aged 49


49Replacing Employer-Sponsored plan: For 49 Year Old MaleBy James Tobin, CFP®Critical TakeawaysChoice of best carrier

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Best Life Insurance For A Male Aged 49

Best Life Insurance For Women Age 49


49Replacing Employer-Sponsored plan: For 49 Year Old WomenBy James Tobin, CFP®Critical TakeawaysChoice of best carrier

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Best Life Insurance For Women Age 49

Best Life Insurance For Woman Age 47


Replacing a Employer-Sponsored Life Insurance plan: For 47 Year Old WomanBy James Tobin, CFP®Critical TakeawaysChoice

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Best Life Insurance For Woman Age 47

Life Insurance In Your Early Twenties?The Pros and Cons


What are The Best Life Insurance Options For The Young  20'sLearn About Term Life Insurance

Read More
Life Insurance In Your Early Twenties?The Pros and Cons

How your selfie could affect your life insurance


How Your Selfie Could Affect Your Life InsuranceBy James Tobin, CFP®Critical TakeawaysWhile the technology is

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How your selfie could affect your life insurance

Life Insurance Policy Locator Service Returns $17 Million In First 6 Months


NAIC Announces Life Insurance Policy Locator ToolBy James Tobin, CFP®Critical TakeawaysFind Lost policies with NAIC

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Life Insurance Policy Locator Service Returns $17 Million In First 6 Months

Sagicor Goes Consumer Direct How Technology Enables Sleazy Marketing Practices


Replacing Employer-Sponsored Life Insurance Plan with SagicorBy James Tobin, CFP®Critical TakeawaysCarriers are selling directly onlineThe

Read More
Sagicor Goes Consumer Direct How Technology Enables Sleazy Marketing Practices

Kim K., Lady Gaga & 7 Celebrities with Lupus


Kim K., Lady Gaga &  7 Other Celebs Who Suffered From LupusBy James P. Tobin,

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Kim K., Lady Gaga & 7 Celebrities with Lupus

February 21, 2020

0

Company-reviews

MANHATTAN LIFE INSURANCE COMPANY REVIEW 2023

Replacing Employer-Sponsored Life Insurance plan with Manhattan LifeSee Our ReviewsBy James Tobin, CFP®What Information Are You Seeking ...

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February 21, 2020

0

Company-reviews

AMICA LIFE INSURANCE COMPANY REVIEW 2023

Replacing Employer-Sponsored Life Insurance with Amica LifeSee Our ReviewsBy James Tobin, CFP®Critical TakeawaysA.M. Best Rating :  A+Good ...

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February 15, 2020

0

Company-reviews

THE HARTFORD LIFE INSURANCE COMPANY REVIEW 2023

Replacing Employer Sponsored Life Insurance plan with The HartfordSee Our ReviewsBy James Tobin, CFP®What Information Are You ...

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February 14, 2020

0

Company-reviews

Freedom Life Insurance Company Review 2023

Replacing Employer Sponsored Life Insurance with Freedom LifeBy James Tobin, CFP®What Information Are You Seeking From This ...

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February 13, 2020

0

Uncategorized, Company-reviews

Lumico Life Insurance Review 2023

Replacing Employer-Sponsored Life Insurance plan with LumicoBy James Tobin, CFP®What Information are you seeking from this review?I ...

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February 13, 2020

0

Uncategorized, Company-reviews

EQUITRUST LIFE INSURANCE COMPANY REVIEW 2023

Replacing Employer-Sponsored Life Insurance plan with EquiTrust Life See Our ReviewsBy James Tobin, CFP®A.M. Best Rating :  B++Whole ...

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