General Topics Archives • Gallant Life Insurance

General Topics

COVID-19’s affect on new life insurance applications

The COVID-19 pandemic disrupted many industries. Life insurance wasn’t spared from that disruption. During much of 2020 and early 2021, it was difficult get a new life insurance policy, unless you were in superman-level heath. After a long period of tightened underwriting related to COVID concerns, most insurance companies have relaxed their guidelines. That means…

Why should life insurance policies be reviewed?

A life insurance policy review can accomplish several things. When properly done a review can uncover things about your existing coverage that you may not be aware of…and might not like. On the other hand, it can also serve to assure you that you’re properly protected. A lot of people I talk to on a…

Stop overpaying for mortgage protection insurance!

Despite what the name implies, mortgage protection insurance is almost never the best option for homeowners to protect their mortgage. It’s expensive, the death benefit decreases every year and it usually involves post-claim underwriting (which favors the insurance company). In this article, I will make my case for why I think you should stop overpaying…

Tandem wingsuit jump...what could possibly go wrong?

Involved in extreme sports? Here’s something to consider

Base jumping. Heli-Skiing. If these words make your heart race, you’re not alone. The interest in extreme sports and extreme fitness events both nationally and internationally has skyrocketed in the past ten to fifteen years. Take for example Tough Mudder, the popular “warrior” style obstacle course. In 2010, the organization hosted just three events in…

Life insurance for smokers

Life insurance for smokers will always be more expensive than for non-smokers. Depending on your age premiums will be anywhere from double to 4 times that of a non-smoker in the same risk class. That’s because insurance companies have plenty of evidence that smoking is bad for your health and can kill you in a…

Life insurance while you’re young

Buying life insurance while you’re young and healthy might not be at the top of your list, but maybe it should be. You might not have anyone depending on you at this point in your life and think there’s no need for it. For most of us, that changes before we know it. Suddenly, you…

Top 10 life insurance mistakes

Here are the top 10 life insurance mistakes I see people make, in no particular order. Shopping for life insurance can be a daunting process. Where do you start? Who do you trust? What’s the process? Where do you get the best coverage at the best rates? If you have asked yourself these and other…

Buy Life Insurance over the phone or online

Can I buy life insurance online or over the phone?

It may come as a surprise, but you can buy life insurance over the phone, and often at a better rate than you can get from a local broker. You can buy just about anything online these days, from clothes to groceries to a new car. Life insurance is no exception, sort of. Buying life…