How to Get Life Insurance

How to Get Life Insurance To get life insurance, start by determining your coverage needs based on financial obligations and dependents’ futures. Choose between term and permanent policies, and then compare quotes from various insurers. After selecting a provider, complete an application, which may include a medical exam, and upon approval, finalize your policy by […]

Do I Need Life Insurance?

Do I Need Life Insurance? If your absence would impose a financial burden on those you leave behind or if you seek to establish a financial legacy, the answer is unequivocally yes. Life insurance serves as a critical safety net, providing financial security and peace of mind for you and your loved ones. Wondering, “do […]

How Much Is Life Insurance?

How Much Is Life Insurance? The cost of life insurance varies widely based on personal circumstances, but understanding the key factors influencing premiums can empower you to make informed choices. Whether you’re considering term or whole life insurance, the right knowledge and guidance can lead to a policy that aligns with your financial goals and […]

What Is Life Insurance?

What Is Life Insurance? Life insurance is a contract where an insurer pays a designated beneficiary a sum of money upon the insured person’s death in exchange for premium payments. It serves as a financial safety net, ensuring that your loved ones remain financially secure in your absence, helping cover debts, living expenses, and future […]

What Is Mortgage Protection Insurance?

ALLCHOICE Insurance Blog What Is Mortgage Protection Insurance

What Is Mortgage Protection Insurance? Mortgage Protection Insurance (MPI) is a specialized form of insurance designed to provide financial protection to homeowners in the event of unforeseen circumstances that may impact their ability to meet mortgage payments. It typically offers coverage in the event of death, disability, or unemployment, ensuring that mortgage obligations continue to […]

Unlocking Peace of Mind

Paul Shockley's leadership at ALLCHOICE's Life Insurance and Medicare Division

Unlocking Peace of Mind In the dynamic world of insurance, where every policy holds the promise of protection and security, one individual stands out in his dedication to putting clients first. Paul Shockley, the newly appointed Director of the Life Insurance and Medicare Division at ALLCHOICE Insurance, brings not just experience but a profound commitment […]

How Much Life Insurance Do I Need?

“How Much Life Insurance Do I Need?” This question is asked on Google Search thousands of times each month! While there are countless online life insurance calculators, the process of determining how much life insurance is right can be quite confusing. There is not a single CORRECT method to determine your life insurance need. In […]

If I Have The Coronavirus, Can I Get Life Insurance?

If I have the coronavirus, can I get life insurance? Chances are during the COVID-19 Pandemic, you have thought about this very question! We want to make sure our family & loved ones stay healthy, but what would happen to my family is I contract COVID-19 and die?  Would my family be ok? While this […]

Taking Care Of Your Family: A Guide On Whole Life Insurance And If You Need It

Whole Life Insurance, Term Life Insurance, or Universal Life Insurance…they have their differences & their similarities.  Today we will focus on Whole Life Insurance policies. Out of the entire American population, only 59 percent of people own a form of life insurance. Having life insurance can give most people peace of mind knowing their families will be […]

Huge Shortfall in Millennial Life Insurance Coverage

New York Life’s 2018 Life Insurance Gap Survey has found that only 10% of Millennials have enough life insurance to cover their needs if they die.  According to the report, the average millennial has only $100,000 in life insurance protection in place when their average coverage need is well over $400,000.  This represents a 78% […]