All Posts By Brian McHale
Brian is nationally licensed term and permanent life insurance expert that has been licensed since 2009. He has personally helped thousands of families and businesses with their life insurance needs and placed over than 3,000 life insurance policies in force for nearly a billion dollars of coverage.

Life Insurance Comdex Rankings-Top 140 Rated Companies in 2024

The Comdex score is the average ranking a company receives from the four major rating agencies in America.  The four preeminent life insurance ratings that are used include: AM Best, Standard & Poor’s, Moody’s Investors Services and Fitch.  A company must receive ratings from at least two of the four major rating agencies in order…
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Best Rated Life Insurance Companies 2024

If you’re in the market for life insurance it’s imperative that you check the insurance company’s A.M. Best financial rating before moving forward with an application.  A.M Best is the preeminent life insurance rating agency in America and their letter grade will allow you to quickly asses the insurer’s ability to meet its future obligations. …
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Do Life Insurance Rates Vary By State?

A common question I’ve been receiving lately is if the rates for life insurance vary by state similar to auto insurance and home insurance. The quick answer is no, life insurance rates are the same for all states with the exception being New York. New York has different insurance laws compared to the other 49…
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12 best life insurance companies high blood pressure (hypertension) 2024, all health classes

Best Life Insurance Companies for High Blood Pressure 2024

Our guide on the best life insurance companies with high blood pressure (hypertension) 2024 was written to help educate consumers and financial advisors understand how life insurance companies underwrite hypertension. Our goal is to help everyone searching for life insurance with high blood pressure better understand how each life insurance underwrites and prices their risk…
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Family history heart disease life insurance underwriting and rates top companies

Best Life Insurance Companies With A Family Health History of Heart Disease 2024

An immediate family with a health history of heart disease can affect your life insurance rates depending on several factors. These factors include: Below we’ll put the best life insurance companies with a family history of heart disease (bypass, cardiomyopathy, heart attack, stent, etc.) and their underwriting guidelines. We’ll also post sample rates from the…
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Life insurance for dip, chew, snuff users, best companies and sample rates, non-tobacco 2024

5 Best Life Insurance for Smokeless Tobacco Users 2024

Key Points: If you are a smokeless tobacco user and are looking for a life insurance company that will not penalize you with a smoker rating, this article is for you. There are more than 700 life insurance companies in America and only a select few underwrite chew, dip and snuff users as non-smokers. Choosing…
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Smoke weed daily life insurance options

Life Insurance for Daily Marijuana Users

Daily Marijuana Use and Life InsuranceMarijuana legalization has swept the country over the past decade. Recreational usage is now legal in 23 states and the District of Columbia, medical marijuana is currently legal in 38 states.Even with the prevalence of cannabis use in United States today, life insurance companies are still cautious in their underwriting of daily…
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How much is a $200k term life insurance policy?

How Much Does $200k Term Life Insurance Cost 2024?

Are you looking for the cost for a $200k term life insurance policy? If so, you’re in the right place. Below we’ll go over the sample rates for a $200,000 term life insurance policy by age to show what is available today on the open market. These rates are pulled from several of the nation’s…
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Best 10 Year Term Life Insurance Rates In Your Sixties (60s) 2024

Best 10 Year Term Life Insurance Rates In Your Sixties (60s)

Once you reach your sixties, the children are typically grown and you may just be looking to protect your income for the next 10 years or so until you retire. Also, you may want to cover any outstanding mortgage balance. The good news is that if you are in average to good health the rates…
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Best 20 Year Term Life Insurance Rates In Your Forties (50s)

Best 20 Year Term Life Insurance Rates In Your Fifties (50’s)

Once you reach your fifties, life insurance coverage is still essential for most Americans to protect income and cover outstanding debts such as a mortgage. The good news is acquiring a new life insurance policy is still very affordable at this age. Below I will show you the best life insurance rates for someone in…
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