All Posts By Bennett Bier

I’m Bennett Bier, owner, author and fact checker of Simple Life Insure. I believe working with a small independent broker offers consumers more personal attention and superior customer service. As an independent agent licensed in all 50 states and the District of Columbia I have access to many of the top A+ rated life insurance carriers. This lets me locate a plan that you will qualify for while saving you money at the same time. Over the years I have mastered the art of underwriting, getting approvals even for my highest risk clients. I’m also likely the person that will answer the phone when you call.

Ohio National Life Insurance Review

About Ohio National Life Insurance Company Founded in 1909, Ohio National Life Insurance Company is a mutual insurance holding company headquartered in Cincinnati, Ohio. The company has nearly $42 billion in assets under management, and employs more than 1,300 associates at its headquarters. As a mutual insurance company, Ohio National focuses primarily on its policyholders…

Diabetes and Prudential Life Insurance

Life insurance companies are in the business of judging risk and will base their decisions and your premium payments off this risk analysis. High blood sugar can have adverse effects on the body leading to a stroke or accelerating the development of...

How Does Gestational Diabetes Affect Life Insurance?

Gestational diabetes is diabetes that develops during pregnancy. Diabetes itself is a disease in which the pancreas produces little or no insulin, or when the body does not respond properly to insulin. The condition affects the babies of untreated mothers. They can grow too large, which may result in injuries at delivery. Gestational diabetes is a common reason for...

Cincinnati Life Insurance Company- No Exam Policy Review

Cincinnati Life is known for its customer service and ethical practices. Rates are very cheap for under 100k in coverage but that is the maximum death benefit you can get without taking a physical exam. Highest health class available is...

John Hancock Life Insurance with No Medical Exam – Review

A unique product, some of our clients love this no exam option. John Hancock will only allow those to skip the exam who are in excellent health so it's not for everyone. Then, after being approved, you can accumulate health points to lower your rate by doing things like getting...

No Exam Life Insurance at New York Life

New York Life is one of the largest mutual life insurance companies in the United States. In business since 1845, it's one of the first names many people think of when life insurance comes to mind. It doesn't get much stronger from a financial standpoint when...

Getting Life Insurance with Acromegaly

Acromegaly is a health condition that could either have very little effect on life insurance. Or it can make it impossible to get.It all depends on how far the disease has progressed. Getting life insurance with acromegaly has a lot to do with timing, as well as with how well you maintain your overall health. It’s a fairly rare condition, which means...

Minnesota Life – No Exam Insurance Review

Minnesota Life allows electronic applications and will process most of them digitally without the need for medical records review or a telephone interview. These things may be required depending on the specifics of your file and health history.

Life Insurance with Acid Reflux or GERD

In and of itself, acid reflux is not a major problem with life insurance, but rather the complications that can result from an advanced case. Acid reflux can result in damage to the esophagus, that can include ulceration. This can lead to...

20-Year vs 30-Year Term Life Insurance

Whether you decide on a 20-year term or a 30-year, both policies are basic term life insurance plans. That means that they are pure life insurance. Unlike whole life insurance, you’re not paying for both life insurance and an investment provision. For this reason, whether you choose a 20-year policy, or a 30-year one, you will pay only a fraction of the premium that you will for a....

10 Year vs. 20 Year Term Life Insurance

Let’s do an analysis of 10-year vs. 20-year term life insurance, and see if we can sort this out. The answer will depend mostly on your own personal circumstances, but there are some general factors that you should take into consideration when making the...

National Western No Exam Life Insurance Review

There are over 800 life insurance companies in the United States and many of them now offer the choice to skip the medical exam. You need to choose the company based on,,,.