Contact Us: ​(855) 855-2522
QUOTETODAY.COM
  • Home
  • Quotes
    • Life Insurance Quote
    • Return of Premium Life Insurance Quote
    • Annuity Quotes
    • Dental Insurance Quotes
    • Final Expense Insurance Quote
    • Long Term Care Insurance Quote
  • Service
    • Estate Planning
    • The CD Buster
    • Policy Review
    • Financial Services
    • Free Consultation
  • Insurance
    • Life Insurance
    • Annuities
    • Dental Insurance >
      • Disability Insurance Quote
    • Disability Insurance
    • Final Expense Insurance
    • Long Term Care Insurance
  • About
    • Refer a Friend
    • Client Testimonials
    • Insurance Carriers
    • Newsletter Signup
    • Accessibility Statement
    • Blog
    • News
    • Lead Program
  • Contact
  • Final Expense Insurance Quote
  • Home
  • Quotes
    • Life Insurance Quote
    • Return of Premium Life Insurance Quote
    • Annuity Quotes
    • Dental Insurance Quotes
    • Final Expense Insurance Quote
    • Long Term Care Insurance Quote
  • Service
    • Estate Planning
    • The CD Buster
    • Policy Review
    • Financial Services
    • Free Consultation
  • Insurance
    • Life Insurance
    • Annuities
    • Dental Insurance >
      • Disability Insurance Quote
    • Disability Insurance
    • Final Expense Insurance
    • Long Term Care Insurance
  • About
    • Refer a Friend
    • Client Testimonials
    • Insurance Carriers
    • Newsletter Signup
    • Accessibility Statement
    • Blog
    • News
    • Lead Program
  • Contact
  • Final Expense Insurance Quote

Quote Today Blog

Four myths about life insurance dispelled

10/16/2020

0 Comments

 
Picture
Reading Time: 6 minutes
Let’s face it, what happens when you pass away isn’t an easy topic to think about or even a topic you want to contemplate often. So, the idea of shopping for a life insurance policy can seem morbid, suspicious, and confusing. On top of that, there are a lot of misconceptions about the value life insurance offers, how to buy it, and what the policy rules are. However, if the idea of protecting your family and ensuring their future is something you do value, it’s important to look at the facts and make an informed decision. Here are four of the most common myths about life insurance and why they shouldn’t prevent you from considering a policy that can safeguard the lives of your loved ones.

Read More
0 Comments

When to review a life insurance policy

10/13/2020

0 Comments

 
Picture
Reading Time: 4 minutes
​
Your life insurance policy can offer assurance and stability for your family should you pass away. But that policy needs to be revised and updated from time to time, especially when a life-changing experience occurs. Review your policy if one of the following events occurs.

Read More
0 Comments

What to ask before you buy a life insurance policy

10/9/2020

0 Comments

 
Picture
Figuring out what kind of life insurance you need can be complex. To make sure loved ones receive financial support when you’re no longer around, you’ll need to talk to a life insurance agent and ask five key questions.

Read More
0 Comments

Six financial tips for starting a family

10/5/2020

0 Comments

 
Picture
Deciding to start a family is a big, life-changing decision that requires financial planning. According to the U.S. Department of Agriculture data, a middle-class family can easily spend a quarter-million dollars raising a child until he or she is ready to leave for college. To take care of your new family's needs, you need to evaluate your finances and prepare them. Here are six ways to get started before the baby arrives.

Read More
0 Comments

Finding the right life insurance match for you

9/21/2020

0 Comments

 
Picture
Reading Time: 5 minutes

If it’s your first time shopping for life insurance, there’s a good chance you may not know which option is the right one for you. Finding the best match requires some homework before you make your choice. Here’s a breakdown of the various life insurance options to help you figure out which one fits best.

Read More
0 Comments

Is a Burial or Final expense policy right for you?

9/17/2020

0 Comments

 
Picture
Get a Quote
​For some families, meeting everyday expenses is tough, but at some point, you will have to pay for funeral expenses. Death is an uncomfortable subject, and pondering final expenses will amplify that discomfort.

Many people need their insurance to cover any burial or observance expenses and give financial gain for his or her families in the event of their death. Others, however, need specific plans that may obtain the sort of burial they require or the other arrangements they want.

For some, insurance is peace of mind, knowing their family will not be burdened financially for setting up his or her final resting place.

For others, however, it will be a waste of cash.

Read More
0 Comments

How does Burial Life Insurance Work?

10/25/2019

0 Comments

 
Picture

​​When thinking about how you will arrange for final burial expenses including your funeral costs, you may be confused by your options. What’s more is that thinking about death isn’t something most people like to do, and so emotion can sometimes get in the way of making sound decisions.
 
By learning what you need to know about burial life insurance now, you can ensure that you make a decision that will be the best for those you leave behind.
 
The first thing is to understand the differences between a day one burial life plan and a graded death benefit life insurance policy. Some life insurance companies will call these policies final expense life insurance, they are really just permanent guaranteed issue whole life insurance policies.
 
Graded death benefit plans ask no health questions and anyone can qualify no matter your health.  With a day one burial policy, it will typically only ask up to 6 health questions.
 
Burial Whole Life Insurance vs. a Pre-Paid Funeral Life Insurance Plan.
With burial whole life insurance, the people you leave behind would be able to pay for your burial expenses and there could still be money left over with which they can support themselves and cover other miscellaneous costs, tax-free. Owning your policy has many advantages versus a pre-paid funeral plan. What’s more is that a burial whole life insurance policy gives your beneficiaries the freedom to decide how the money can be used, while a pre-paid funeral plan forces you to designate all of the money towards the funeral expenses at the funeral home in which the plan was purchased.
 
This begs the question, then, of what a person would do if they happened to move to a different state or how you would get your money back if you decided you didn’t want to be buried after all, but would prefer cremation.
 
Another shortcoming of the pre-paid funeral plan is that it leaves no death benefit for beneficiaries. It goes without saying that if they knew all the facts, most people would probably want to leave their loved ones with a little extra money.
 
One of the biggest and less-obvious advantages of a burial life insurance policy is that these policies are often more affordable than a pre-paid funeral plan, as long as you’re in good health. Then, when it comes time to making payments on your policy, you also have many different payment options.
 
As you can see, burial whole life insurance offers much more flexible and even affordable coverage than a pre-paid funeral plan. Consider how each works carefully before making your decision.

Get A Final Expense Quote!
0 Comments

Life Insurance for HIV Patients

8/27/2019

0 Comments

 
Picture
Life Insurance for HIV Patients

John Hancock is pleased to offer term and permanent life insurance coverage to applicants living with
human immunodeficiency virus (HIV) if they’ve had a favorable clinical course with a successful response
and adherence to antiretroviral therapy (ART). This is in keeping with John Hancock’s awareness of medical
advancements, progressive approach, and continued commitment to its customers.

This offering includes:
• Term and permanent life insurance coverage
• Miniumum face amount of $250,000
• Maximum face amount of $2,000,000

Underwriting criteria for persons infected with HIV:
• Age at application 30 to 65, self-admitted diagnosis
• Followed and monitored by a qualified physician
• Minimum five years of compliance with ART, with no
lapses or delays in treatment
• CD4 count of 350 cells/mm3 or higher for at least two
years, including a current CD4 count
• Current and prior two-year viral loads must be
undetectable (<20 copies/ml or below current
detectable laboratory limit)
• Current negative hepatitis B and hepatitis C testing

HIV-positive applicants with the following conditions will not be eligible for coverage:
• Newly or recently diagnosed with HIV
• Any AIDS-defining illness
• Documented viral resistance to treatment
• History of intravenous drug abuse, polysubstance
use, or alcohol concerns
• Coronary artery disease or diabetes
• Hepatitis B or hepatitis C history (including treated)
• Rateable psychiatric conditions
• Rateable low (or decreasing) build
• Hypoalbuminemia
• Proteinuria
• Malignancy

Factors Affecting the Decision
• Current age
• Date of diagnosis
• Documented favorable and stable clinical course, strict
adherence and response to ART (minimum of five
years of favorable treatment)
• Absence of significant immunosuppression or
co-morbid conditions (e.g. diabetes or coronary artery
disease)
• Tobacco use

Quote Today is excited to offer these product through our partner John Hancock.

Please feel free to contact us today for your no obligation quote.
0 Comments

4 Things You Have to Understand About People With Disabilities

12/4/2018

0 Comments

 
Picture
​Humans are naturally born with imperfections. Some more blessed than others, and some who are unfortunately born with disabilities. The word disability refers to a wide range of conditions that makes it hard for a person to do day-to-day activities.
 
Some people may think that it's hard to understand them well, in fact, it's not. It's just people don't exert enough effort to know them better, so here are some of the things you have to understand about people with disabilities (PWDs).

Read More
0 Comments

4 Things To Consider Before Getting Disability Insurance

11/19/2018

0 Comments

 
Picture
​Insurance is an essential investment that anyone, as young as the early 20s, must consider getting. If you are an employee and thinking to start your retirement plan or building your own family, an insurance policy is something you should keep on your project.
 
If your line of work is something unusual or beyond just sitting in front of the computer the whole week, disability insurance might be a good option. Disability insurance can protect you from any income lost should you be involved in any injury or accidents beyond 90 days.
 
If you are thinking of getting a policy that can cover you in time of injury and disability, here are some of the things you must consider:

Read More
0 Comments
<<Previous
Forward>>

    Contact Us

    (208)297-7818
    410 S Orchard St
    Suite 180
    Boise, ID 83705​
    Click Here to Email Us

    Archives

    March 2021
    February 2021
    January 2021
    December 2020
    November 2020
    October 2020
    September 2020
    October 2019
    August 2019
    December 2018
    November 2018
    October 2018
    September 2018
    August 2018
    July 2018
    June 2018
    May 2018
    April 2018
    March 2018
    January 2018

    Categories

    All
    Annuities
    Business Insurance
    Disability Insurance
    FAQs
    Financial
    Health Insurance
    Insurance
    Life Insurance
    Lifestyle
    Local
    Long Term Care Insurance
    Safety

    RSS Feed

Licensed in All 50 States


Navigation

Homepage
Insurance Quotes
Policy Service
Insurance Products
Contact Us
Agent Resources 
​Leads

Connect With Us

Share This Page

Contact Us

Quote Today
410 S Orchard St
Suite 180
Boise, ID 83705
(855) 855-2522
Click Here to Email Us

Location

Photos used under Creative Commons from Joey Z1, Stannah International