• 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. We originally quoted him at $755.62/month, but thought it’d be wise to attach a letter from his doctor after hearing about his recent health success. Not only did Howard get approved (which he didn’t think was possible), but he got an even better offer than we had hoped for: $661.92/month!

  • buy now

    Mingshun is a client of ours who was looking to spend $1895.36 per year on her life insurance. Unfortunately, she applied with Protective Life and got denied. Mingshun then decided to give us a call and reached Jason, one of our licensed agents. Jason worked diligently with Mingshun and one of our underwriting experts to get a tentative quote for $3,951.48/year from Prudential. Mingshun agreed to apply, and to our surprise, got approved at a rate of $1,744.20/year - over $2,000 less than she expected!

  • who is eligible

    Sabrina - a wonderful and selfless person - donated one of her kidneys to her aunt. Due to that, Principal Financial Group denied her application, leaving Sabrina very discouraged. After contacting us, Justin helped her apply with Protective Life for 150k of lifetime coverage. To be safe, Justin quoted Sabrina rates all the way from Preferred through Standard, unsure of what Principal would offer. To our surprise, Sabrina was approved at Preferred Best rates - the best rate class available! Sabrina was so grateful, she even had her husband call us to obtain a policy for him as well.