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May 17, 2011 By

Affordable Life Insurance

Wouldn’t it be beautiful if we lived in an ideal world? Where nobody had to worry about Life Insurance? This, alas, is not possible, and people do have to worry about how to pay for insurance when the life insurance rates are so high. Not everyone in our technological world can afford Life Insurance. As you begin to approach your 60s, that is the retirement age for many jobs, you suffer from increased stress and want a Life Insurance policy to cover your Life Insurance and death benefits.

Now – you can apply for Life Insurance programs by researching into some of the most affordable Life Insurance policies prevalent in the world.

One of the easy and fast ways to obtain Affordable Life Insurance is through our online quote system. E-Quote simplifies the process of Life Insurance by allowing you to get the most competitive Term life Insurance quotes only from the highest rated insurance companies. After submitting the online form, your quotes will be displayed along with the product and company information they represent. This allows you to research all the product information as well as to access the company’s AM Best grade. After you apply online, they will mail you an application packet. With this you can review all the information that is listed, correct any errors, sign the application and mail all the information back to them in the pre-addressed envelope that is provided to you.

After they receive your packet, they will conduct your medical examination. This exam is at no cost and will be conducted in the privacy of your home and at a time that is convenient to you. The Examiner will take your blood pressure, heart rate, blood sample, and a urine sample and ask you some medical questions. The exam will take at most 20 minutes and there is no need to disrobe. After the medical results are reviewed by the Insurance Company, they will issue a written quote for your coverage. Now it is your choice to decide if you want the Insurance Coverage or not.

It can help you find the best affordable Life Insurance Coverage for your life and death. So, in this arena of Life Insurance, you can also benefit from Affordable life Insurance and need not worry.

Filed Under: Affordable Life Insurance, Cheap Life Insurance, Life Insurance, Term Life Insurance Tagged With: affordable life insurance, Cheap Life Insurance, Insurance Market

New Jersey Life Insurance Expert

Carl Feller – the owner of Excalibur Brokerage Agency – has been a Life and Health Insurance professional for almost 40 years. Carl has been putting his expertise to work with the Brokers who place their business through his Agency, and for the customers who purchase their insurance through him.

Carl earned his Bachelor’s Degree in 1978 from Fairleigh Dickinson University, and then entered the insurance industry as an agent with Northwestern Mutual. Carl made his mark at the former Mutual Benefit Life Insurance Company in Newark, NJ where he was Vice President of Individual Disability products. After Mutual Benefit, he went to a John Hancock Agency, helping to build a national brokerage operation, until he decided that he wanted to build his own Agency and put to use all of his knowledge, contacts, and capabilities. Life insurance and its suite of products, Term Insurance, Impaired Risk, Long Term Care, and Disability to name a few, are complex at best to the general public, and each product and company has charted its own maze with underwriting and product options. Carl, being licensed in almost every state, has put his expertise to use on both the customer and Broker side. For his Brokers, as a General Agent for about 30 companies, he pre-underwrites cases, advising on the best product or company for a particular need. For the customer, he strives for that perfect fit: the right product for the right person.

About fifteen years ago, Carl ventured into the Senior Market, specializing in Long Term Care. In 2003 he earned his certification as a Long-Term Care Professional (LTCP), co-sponsored by the Health Insurance Association of America (HIAA) and the American Association for Long-Term Care Insurance (AALTCI). As a Long-Term Care Professional and a certified trainer, Carl is very knowledgeable about this particular segment of the market, and has followed it through its evolution.

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Excalibur Brokerage Agency,
13 Junction Pond Lane,
Monmouth Junction NJ 08852.
Phone: 800-652-9923 / 732-297-6000

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