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Daniel Insurance Agency LLC
Alan Daniel has been a licensed insurance agent since 1984 and started his own business in 1985. In that time he has evolved his business into what is now Daniel Insurance Agency LLC, a highly resourceful network of independent agents who are licensed in all 50 states and do business with more than 100 highly rated life insurance carriers.
Frequently Asked Questions
Why focus on term life insurance?
Many financial planners recommend that you separate your family and asset protection strategy from your investment strategy. In other words, they recommend buying insurance to insure against risk (term life) rather than as an investment (whole life, universal life, or other cash-value policy).
Why can you get me a better term life insurance rate than anybody else?
It's simple. We take the time to understand and develop your case. We have access to and the respect of the real decision makers at many of the major carriers. We shop your case around for the best price available by getting the best risk classification.
How much can you save me?
There are no guarantees, of course, but if you have been "rated" for health or other reasons, we can generally have been able to save our client's 30% to 50%. It costs you nothing to try.
Aren't you just another online insurance agency?
Hardly. The online agencies make their money on volume. They are in no position to offer personalized service. We offer the same online quick quote form that they do (although the lineup of carriers may not be the same-ours are top-notch), and you are welcome to try that out, but unless you match the low-risk profile, the offers you see will generally not be meaningful. Two of the major online agencies send us their impaired risk cases.
How do you make your money?
We make our money the same way other agents do. We receive a commission on the sale of each policy. We do not charge anything for the extra service we provide.
Do you sell
(cash values policies)? Why?We specialize in term life. We do not generally recommend people to buy a cash value policy. However, some people genuinely prefer such policies. For asset and estate protection strategies, cash value policies are sometimes advantageous and financial advisors may therefore recommend them. We sell what is best for the individual.
Does it matter where I live?
We have associated agents licensed in every state. We can easily conduct the necessary interviews over the phone. Required medical exams can be done anywhere.
How do I know whether I will qualify for a low-cost policy?
There's no sure way other than to go through the process of applying. However, our Health Rating page will help you predict whether you might benefit from the services of a specialist like Daniel Insurance Agency.
Who will provide customer service if I purchase a policy from Daniel Insurance Agency?
We will have a associated agent licensed in your state write your policy and provide you with all the customer service you will need.
What insurance companies will I be able to choose from?
We maintain a database of all the top companies that sell through independent agents.
Do I have to take a medical exam in order to apply for a policy?
Yes, today nearly all insurance companies require a short (usually less than 30 minutes) paramedic exam. The cost of the exam is covered by the insurance company and can be performed in your home or office, at your convenience. Insurance companies may require further testing based on their underwriting practices and your particular situation.
How can I pay for my life insurance?
You can pay your premiums annually, semi-annually, quarterly, or monthly payments. Many companies also allow you to have your premium automatically deducted from your bank account or charged to your credit card. The twelve month cost will vary depending on he payment mode selected.
What If I decide I don't want my policy after I have paid for it?
You will have from 10 - 30 days (depending on your age and state of residence) after you receive your policy to decide whether the policy is right for you. Within that time period you can cancel and request a full refund of any premiums paid.
Will my premiums rise if my health changes?
No, your premium is guaranteed to stay the same throughout the length term specified in your policy regardless of changes in your health. Thereafter you may renew your policy annually but the premiums may increase each year.
What if I already have life insurance?
There is no reason to continue overpaying on a policy you already own. It costs you only a little time to try to find a better deal. However, please do not cancel your current policy until you have a new policy in force and you have inspected it and are satisfied.
How can Daniel Insurance Agency save me money?
Term life insurance is an extremely competitive industry. Many Americans may be drastically overpaying for their term life insurance. Don't buy from a non-competitive carrier. Choose the company and price that is right for you! Your request will be referred to an independent associated agent licensed to conduct business in your state.
How do I determine my health status, Preferred Plus, Preferred, and Standard Rates?
Many factors determine your likely health classification,
family medical history, height, weight, cholesterol level, lifestyle, etc. To help you determine your health status click here.
What if I already have life insurance?
Allow us to shop your case to see if we can save you money. It costs you nothing. Please do not cancel your current policy immediately as it usually takes 4-6 weeks to process a new policy.