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Term Life Insurance Quotes Online | JRC Insurance Group

Meet Howard, a 69-year-old man from Ohio who had been declined by Prudential. While working with Howard, Ramon reached out to more than a dozen companies that specialize with “high-risk” applicants, and thought that A+ rated John Hancock would be a perfect match.

Actived: Saturday Jan 16, 2021

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Term Life Insurance Quotes Online | JRC Insurance Group

Details: JRC Insurance Group is an Independently-Owned Insurance Agency that is licensed nationwide. We represent more than 50 top-rated insurance companies and specialize with clients aged 45 to 75.

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About JRC Insurance Group

Details: By clicking "Display Quotes", and submitting an online insurance quote request, you are providing JRC Insurance Group with your prior express and written consent to call you at the cell phone number or residential phone number provided. Final rates are based on eligibility. You can also reach us toll-free at 855-247-9555.

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A Guide to Life Insurance for Commercial and Private Pilots.

Details: At JRC Insurance Group, our agents are experienced at finding life insurance coverage for clients with all ty pes of professions. We are experts at life insurance underwriting, or risk assessment, and we work with over 40 top-rated life insurance companies.

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Meet the Team - JRC Insurance

Details: Cliff Pendell Cliff is a Managing Partner and Co-Founder of JRC Insurance Group. He is a licensed life insurance agent in 48 states and specializes in helping our high-risk clients who have been previously declined for coverage or have health issues such as diabetes or depression.

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Life Insurance for High Net Worth Individuals

Details: Best Insurance Companies for High Net Worth Individuals. Every life insurance company sets their own rates and underwriting guidelines, and some top-rated companies cater specifically to individuals with a high net worth. The type of coverage you need, your overall health, and your age will also determine which companies are the best fit for

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Life Insurance Over 70: How to Find the Right Coverage

Details: Life Insurance to Reduce Estate Taxes. Life insurance is also purchased to protect estates for high-net-worth families.This can be accomplished with an individual policy or a “second to die” life insurance policy (meaning your heirs will receive a death benefit after both you and your spouse pass away).

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Life Insurance to Pay Off Major Bills or Mortgage

Details: Life insurance is based off your mortality risk, and as we get older, this increases. Age, overall health, and weight are major factors in determining insurance premiums. Locking in a guaranteed renewable insurance policy early in life guarantees your insurability for life, and locks in low premiums for the term of the policy.

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What is Guaranteed Universal Life Insurance?

Details: Instead, a guaranteed universal life policy offers fixed rates through the life of the policy, just like term insurance.GUL policies are also set to specific ages (usually 90, 95, 100, 105, 110, or 121), while term life insurance offers fixed rates for a specific number of years (usually 10, 15, 20, 25, 30).

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The Top 15 No Exam Life Insurance Companies – Pricing

Details: Types of No Exam Life Insurance. As mentioned above, there are six types no exam life insurance policies that are offered by insurers. These options include: Simplified Issue Term Life Insurance— The death benefits here can range from $50,000 – $500,000 and is generally . available for those between 21-65 years of age.

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Leaving An Inheritance With Life Insurance

Details: Guaranteed universal life insurance is a form of life insurance that offers guaranteed rates and coverage until the age you choose. The A+ rated companies we usually recommend for these types of policies offer a fixed price and set coverage until the age of 90, 95, 100, 105, 110, or 121; depending on the longevity in your family.

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The 10-Minute Executive Guide to Buy/Sell - JRC Insurance

Details: How a Buy-Sell Life Insurance Agreement is used by Businesses. A buy-sell agreement is designed to protect a business, the owners and their heirs, if one of the owners were to die unexpectedly. Basically, this agreement protects the fundamental continuity of the business for the remaining owner(s) by buying out the deceased owner’s share from their heirs.

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Top Life Insurance Companies Revealed | Pricing and Ratings

Details: Life Insurance Companies that Offer Longer Term Lengths at Older Ages. In addition to health and lifestyle factors, some providers offer options that others won’t. As an example, most insurers stop selling their 30-year term policies after the age of 55. However, one of our A+ rated carriers, the Transamerica Life Insurance Company, offers a

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JRC Insurance Group Contact Info – Phone Number and Address

Details: JRC Insurance Group will not sell your information to a third party. Any health or personal information shared is protected by applicable HIPAA privacy laws and regulations. Life insurance policies described, quoted, shown, and illustrated throughout this website are not available in all states and may include those issued by: American General

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State Licenses - JRC Insurance

Details: Applications for life insurance on Jrcinsurancegroup.com are made exclusively through JRC Insurance Group and its designated agents. In California and New York, JRC Insurance Group is licensed as JRC Life Insurance Services. In Massachusetts as JRC Insurance Group, Inc. and in North Dakota as JRC Insurance Services, I

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Buying Life Insurance for a Spouse: Opportunities

Details: A primary reason for purchasing life insurance on a spouse is to replace the loss of their future income.. For example – let’s say you’re a stay a home mom and your husband makes $5,000 dollars a month. After taxes, this is roughly $3,500 a month take home.

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How to Use Life Insurance for Pension Maximization

Details: Life insurance, on the other hand, can provide the same peace of mind and perhaps even a larger death benefit for, say, $350 per month. By accepting your full $4,500 per month pension and buying life insurance separately, you are putting $750 more in your pocket each month ($9,000 per year) compared to the spousal benefit.

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Life Insurance with Long Term Care Rider – Pros and Cons

Details: Life Insurance with a LTC Rider – this is a policy that has LTC benefits built into the policy, but at an additional cost. In both cases, LTC riders don’t usually include term policies (Prudential is the only carrier who has a Living Needs benefit on their term policies)

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Your Quick Guide to Guaranteed Universal Life Insurance

Details: Potential clients often call us to learn more about a life insurance product called GUL insurance. GUL insurance, or guaranteed universal life insurance, offers permanent life insurance coverage without requiring an investment value.. This makes GUL insurance risk-free and affordable just term life insurance.But, with a guaranteed universal life policy, you can lock in your rates and coverage

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What is Renewable Term Life Insurance?

Details: Term Life Insurance vs. Whole Life Insurance. Term life insurance provides a death benefit (money paid to your spouse or heirs to cover income loss and assets in the event of your death) at a fixed premium, for a set period of time (your term, which may range from 5-30 years). Term life provides the bare essential protection you need, with minimal complexities.

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Affordable Life Insurance – The 10 Most Overlooked Secrets

Details: Mortgage Insurance – I need $250,000 of coverage for 10 years; The financial planner sees I own a rental home, which has an outstanding mortgage of $250,000, and it won’t be paid off for 10 years. I don’t want to leave my children an encumbered property, so we need life insurance to cover that.

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Term Life Insurance 101 | Buy Term Life Insurance Online

Details: Term life insurance is popular with consumers because it’s inexpensive, easy to understand, and doesn’t require any investing. The downside to purchasing term life insurance is that most people will outlive their policy potentially leaving their loved ones without financial protection later in life.. While a term policy is the best option for most people, it’s not ideal for everyone.

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Testimonials - JRC Insurance

Details: JRC insurance group and Jason in particular, navigated me through the maze of options and stumbling blocks that make obtaining term life insurance a daunting task. In a few e-mails and phone calls I was steered to the policy I wanted without any upsell or pressure whatsoever. Communication throughout the process was up front and timely and

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Buying Long-Term Care Insurance in Your 60s

Details: Long-term care insurance reimburses the costs of your long-term care needs for a set period of time, referred to as a term. Most LTC insurance policies offer a term of three to five years. The longer the term, the more the policy will cost. The average stay in a nursing home is 2.3 to 2.6 years, so three years will often suffice.

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An Insider’s Guide to the Best No Exam Life Insurance

Details: Banner Life and William Penn are owned by Legal & General, a publicly traded company that was founded in 1836.Legal & General is the 8th largest insurance provider in the world, and they operate as William Penn in New York and New Jersey.Throughout the rest of the United States, Legal & General is known as Banner Life. William Penn and Banner Life are both A+ (Superior) rated by AM Best and

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What Happens to Your Policy’s Cash Value After You Die?

Details: What is Cash Value in Life Insurance? Cash accumulation is the investment that comes with many whole life and universal life policies. Your “cash value” is held in a savings account that earns interest, separate from your face amount or death benefit, which is paid to your heirs upon your death.

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Life Insurance Basics – Term – Whole Life – JRC Insurance

Details: Types of Policies. Life insurance is most commonly purchased as a term policy. Term policies are the least expensive way to purchase life insurance, but depending on your need for the insurance, term might not be the best option.

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5 Situations That Term Life Insurance Would Cover Best

Details: Term life insurance is the flexible, affordable counterpart to whole life insurance. Rather than rope yourself into a complex investment with a long-term contract, term life enables you to secure the pure protection you need for a set term lasting anywhere from 5 to 30 years.

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Non-Guaranteed vs. Guaranteed Universal Life Insurance

Details: Universal life insurance policies became extremely popular during the 1980s, when interest rates were at an all-time high of 15% or more. With current interest rates hovering around 3%, the vast majority of these policies are underfunded. When a policy is underfunded, it means that the insured must pay additional money in order to keep the coverage.

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Life Insurance With Arrhythmia: Rates and Advice

Details: Atrial Fibrillation Life Insurance Rates. Also called “AF” or “A-Fib,” atrial fibrillation is the most common type of serious arrhythmia that currently affects more than 2.2 million Americans.

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8 Signs It’s Time to Review Your Current Life Insurance

Details: An independent insurance agent can help you review, understand, evaluate and, if necessary, replace your current life insurance policy. At JRC Insurance Group, we represent more than 45 top-rated companies and our agents offer multiple years of life insurance experience.

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Life Insurance for Obese People (The 5 Best Companies for

Details: The Best Life Insurance Companies for Obese People . These 5 companies truly stick out as having some of the best policy options and rates for overweight and obese people. While they may not be the best for every condition or situation, these top obese life insurance companies are the best choice in a vast majority of cases. 1. Banner Life

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Life Insurance After a Heart Attack

Details: Here’s a breakdown of how most life insurance companies will evaluate an application from a heart attack survivor: Age 40 + more than 2 vessels affected + 100 pounds overweight = Extremely difficult to get approved for life insurance. Age 60 + 1 vessel affected + 25 pounds overweight = Very possible to get approved for life insurance.

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Instant Term Life Insurance Quote After Retirement – Ages

Details: Why You Might Need Term Life Insurance after Retirement. Your reasons for buying a policy at this stage of your life could vary and be for different purposes. Term life insurance policies are the least expensive type of life insurance you can buy, but we also offer policies that will extend coverage later into life for pension maximization, estate planning, or to leave an inheritance.

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What’s the Best Life Insurance for a 64-Year-Old Male?

Details: Whole life insurance is a type of permanent life insurance policy that includes an investment component (also known as cash value/cash accumulation). These policies are the most expensive out of term, whole, and guaranteed universal life, and typically only offer up to $50,000 coverage.

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Business Life Insurance Quote | Corporate Life Insurance

Details: JRC Insurance Group will not sell your information to a third party. Any health or personal information shared is protected by applicable HIPAA privacy laws and regulations. Life insurance policies described, quoted, shown, and illustrated throughout this website are not available in all states and may include those issued by: American General

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What is Life Insurance? What is Term Life Insurance?

Details: Life insurance is designed to replace lost income, or to pay off debt. Another common reason for life insurance is to protect a business. If your business partners would suffer a financial loss in the event of your passing, an insurance policy to protect your business partners from this unforeseen loss would be considered a “key-man” policy.

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The JRC Insurance Group Scholarship

Details: JRC Insurance Group will not sell your information to a third party. Any health or personal information shared is protected by applicable HIPAA privacy laws and regulations. Life insurance policies described, quoted, shown, and illustrated throughout this website are not available in all states and may include those issued by: American General

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Free Life Insurance Quote

Details: By clicking “Display Quotes”, and submitting an online insurance quote request, you are providing JRC Insurance Group with your prior express and written consent to call you at the cell phone number or residential phone number provided. Final rates are based on eligibility. You can also reach us toll-free at 855-247-9555.

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5 Signs You Should Use Life Insurance to Leave an Inheritance

Details: Life insurance is also purchased to protect estates for high-net-worth families.This can be through individual policies or lower cost “second to die” coverage (meaning heirs receive the death benefit after both spouses on a policy die).

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Convertible Term Life Insurance: Affordable Coverage with

Details: What is Term Life Insurance? Term life insurance is best described as pure protection. It provides a death benefit (money paid to your spouse or heirs to cover income loss and assets in the event of your death) at a fixed premium, for a set period of time (your term), with annual renewable terms.

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Is There Estate Tax on Life Insurance?

Details: Cliff is a licensed life insurance agent and one of the owners of JRC Insurance Group. He has helped thousands of families of businesses with their life insurance needs since 2012 and specializes with applicants who are less than perfect health.

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Life Insurance for High Risk Occupations

Details: How Life Insurance Companies Determine the Cost of Your Coverage. Most life insurance policies will charge what is called a “flat extra” for those in high risk occupations. This is an extra cost that insurance companies charge to applicants who present an additional lifestyle risk due to their occupation.

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Getting Life Insurance With A Chronic Health Condition

Details: Life insurance health classifications are typically ranked in order of preferred plus which has the lowest premiums, preferred, standard plus, and standard, which has the highest premiums. If you have particularly complex health history because of a chronic condition, you will likely be placed in a substandard category where the quote you

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Life Insurance for the Terminally Ill

Details: Guaranteed Issue Life Insurance. The main choice here is going to be Guaranteed Issue (GI) life insurance. This type of life insurance is available to anyone between the ages of 50 and 85. No medical questions are asked, and policies are issued quickly after submitting the application. With GI policies, you can apply for up to $25,000 of coverage.

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What is Universal Life Insurance and How Does it Work?

Details: What is Universal Life Insurance and how does it work? Universal life insurance, also commonly referred to as a “UL” policy, is a form of life insurance that offers flexible premiums, a level or increasing death benefit, and a tax-deferred investment opportunity to the insured.

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Prostate Cancer Life Insurance

Details: Life Insurance Approvals with Prostate Cancer. Aside from skin cancer, prostate cancer is the most common type of cancer we see in men. In fact, WebMD states that approximately one out of nine men will be diagnosed with prostate cancer at some point during their lifetime.. A few years ago, when Warren Buffet’s diagnosis made headlines, Buffet himself was quoted saying that his prostate

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Reducing Your Estate Tax Liability With Life Insurance

Details: The best life insurance policy for estate protection is called a guaranteed universal life insurance policy. These policies offer affordable coverage with fixed rates until the age of 90, 95, 100, 110, or 121.

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What is a Second to Die Life Insurance Policy?

Details: JRC Insurance Group works with over 40 top-rated life insurance companies, and our service is free. We are not a brokerage with finder’s fees or additional services costs. Whether you buy your policy from the company directly, or work with us, the price of your policy is the same, but we promise shorter hold times.

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top life insurers

Details: By clicking “Display Quotes”, and submitting an online insurance quote request, you are providing JRC Insurance Group with your prior express and written consent to call you at the cell phone number or residential phone number provided. Final rates are based on eligibility. You can also reach us toll-free at 855-247-9555.

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Beyond Key Person – 5 Uses for Life Insurance in Your Business

Details: How much life insurance is needed on a key employee? This is a difficult question and budget will, no doubt, be a factor. Most life insurance companies will approve up to 5-10 times the key employees’ annual salary including bonuses. Age will be factored in as well on the multiple of income allowed.

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