• Skip to primary navigation
  • Skip to content
  • Skip to footer

Excalibur Brokerage

NJ's Top Life Insurance Expert

Main navigation

  • Our Story
    • Insurance Brokers
      • Agents Reviews
      • Become A Broker
      • Broker Quotes
    • Consumers
      • Tips For Buying Insurance
      • Consumer Quote
    • Companies We Represent
  • Our Products
    • ANNUITIES
    • BUY/SELL
    • BURIAL INSURANCE
    • DISABILITY INCOME
    • FINAL EXPENSE
    • GRADED DEATH BENEFIT
    • GROUP LONG TERM LIFE
    • GUARANTEED ISSUE
    • IMPAIRED RISK
    • KEY PERSON
    • LONG TERM CARE
    • MORTGAGE LIFE
    • PAYROLL DEDUCTION
    • RETURN OF PREMIUM
    • SECOND TO DIE
    • TERM LIFE
    • UNIVERSAL LIFE
    • WHOLE LIFE
  • Why Choose Excalibur
    • Customer Reviews
    • Agent Reviews
    • FAQ
  • Contact Us
  • Drop Ticket
  • Blog
  • (800) 652-9923
  • Get A Quote

August 1, 2015 By New Jersey Life Insurance Expert Leave a Comment

Cheap Life Insurance

With the emerging technologies and globalization prices of the basic necessities of life have begun to touch the skies. However, the prices of life insurance plans are decreasing! This is great news: it’s become easier today for everyone to protect the family in terms of life insurance. Not only have life insurance companies been lowering the insurance rates, they are also making it easier for people to buy life insurance from the underwriting point of view: they become more aggressive and look at everyone individually. Some insurance companies also use preferred credits: they lower insurance cost for those who exercise, or regularly follow-up with doctors, have good family history, etc.

Today, the process of finding a life insurance policy has become so simple, that anyone can do it from their own home, using the internet. You can research into all the life insurance types, companies, and even rates, and find the most appropriate one for YOU! The online search engines show most of the insurance rates in the industry: you will be able to see from the cheapest and up, and make your decision based on the insurance cost, the rating of the insurance company, or the features of this or that insurance product.

To do so you need to follow certain steps:

Step 1: You should take advantage of discounts by improving your overall health: quit smoking, start exercising, and lead a healthy life-style.

Step2: Reviewing your employer’s life insurance plan is important, as most of the time the employer’s package only provides minimum, basic coverage. After you have done this, you may want to think of buying an additional life insurance policy, which would cover everything else.

Step 3: Get knowledge before acting: you can find a lot of information about different types of insurance on-line, or you may get a FREE consultation with an insurance agent or broker over the phone or in person. Understanding your needs and specifications of insurance products, should help you make the right decision.

Step 4: Lastly, compare multiple companies’ quotes. By doing so, your chances of finding lower rates are enhanced, because rates always vary between companies. It also gives you a level playing field. By this you can see what is cheap and what is expensive. In most cases an insurance company suitable for one person might not be the best choice for the other, as different insurance companies look differently at various issues: for example – one insurance carrier would rather take a risk on a person with diabetes, the other – would not consider a “diabetes” case, but would take a “poor family history” one. Accordingly, they give lower or higher insurance costs.

In today’s world, where everything is so expensive and not easy to buy, finding a cheap life insurance policy is not at all difficult. The steps described above can aid you in finding the most suitable and inexpensive insurance policy you wish to buy.

Filed Under: Affordable Life Insurance, Cheap Life Insurance, Life Insurance, Term Life Insurance Tagged With: affordable life insurance, Cheap Life Insurance, Insurance Market, steps for Cheap Life Insurance

New Jersey Life Insurance Expert

Carl Feller – the owner of Excalibur Brokerage Agency – has been a Life and Health Insurance professional for almost 40 years. Carl has been putting his expertise to work with the Brokers who place their business through his Agency, and for the customers who purchase their insurance through him.

Carl earned his Bachelor’s Degree in 1978 from Fairleigh Dickinson University, and then entered the insurance industry as an agent with Northwestern Mutual. Carl made his mark at the former Mutual Benefit Life Insurance Company in Newark, NJ where he was Vice President of Individual Disability products. After Mutual Benefit, he went to a John Hancock Agency, helping to build a national brokerage operation, until he decided that he wanted to build his own Agency and put to use all of his knowledge, contacts, and capabilities. Life insurance and its suite of products, Term Insurance, Impaired Risk, Long Term Care, and Disability to name a few, are complex at best to the general public, and each product and company has charted its own maze with underwriting and product options. Carl, being licensed in almost every state, has put his expertise to use on both the customer and Broker side. For his Brokers, as a General Agent for about 30 companies, he pre-underwrites cases, advising on the best product or company for a particular need. For the customer, he strives for that perfect fit: the right product for the right person.

About fifteen years ago, Carl ventured into the Senior Market, specializing in Long Term Care. In 2003 he earned his certification as a Long-Term Care Professional (LTCP), co-sponsored by the Health Insurance Association of America (HIAA) and the American Association for Long-Term Care Insurance (AALTCI). As a Long-Term Care Professional and a certified trainer, Carl is very knowledgeable about this particular segment of the market, and has followed it through its evolution.

Reader Interactions

Leave a Reply Cancel reply

Your email address will not be published. Required fields are marked *

twelve + six =

Click Here to read what some of our Agents/Brokers say about Excalibur!

The Best Service from the Top Life Insurance Brokerage Agency

Join Our Team

Brokers – We’ve Got You Covered! Personal Service to Make Your Life Easier!

Consumers! Need a Term Life, Guaranteed Issue, Final Expense, Impaired Risk Life Insurance quote?

Get Your Insurance Quote!

A life insurance broker committed to making a difference by getting you the low cost life insurance you want.

subcentersthe marketing alliance
  • Email
  • Facebook
  • Google+
  • Linkedin
  • Twitter

Footer

  • Our Story
  • Our Products
  • Companies We Represent
  • Let’s Talk About Life Insurance!
  • Insurance Brokers
  • Consumers
  • FAQ
  • Get A Quote




Excalibur Brokerage Agency, Inc. 1648 Route 130 North, Suite 2 North Brunswick, NJ 08902 Phone: 800-652-9923 / 732-297-6000
powered by Google
Google Rating
5.0
Excalibur Brokerage Agency
Excalibur Brokerage Agency
5.0
Nicky Gibson
Nicky Gibson
00:15 08 Jul 14
Carl really knows what he is doing. I had a terrible time finding insurance for my father because he has diabetes and not only did Carl help but he never Lied to us to just get the sale only later to find out that the underwriter would not give us the policy.
See All Reviews
powered by Google

Copyright © 2018 · Excalibur Brokerage Agency, Inc. · Powered by BeSearched.com