Allstate does offer life insurance through their subsidiaries: Allstate Life Insurance Company, Lincoln Benefit Life Insurance Company and American Heritage Life Insurance Company. To compare quotes from Life Insurance offered by Allstate with other life insurance quotes, you can visit a website with a quote engine that includes Lincoln Benefit Life.
President, The Firm of Steven H. Kobrin, LUTCF, 6-05 Saddle River Rd #103, Fair Lawn, NJ 07410
Yes, it does. Check out Peggy’s reply to identify the subsidiaries through which it markets the product.
I have found that with regards to life insurance, this carrier has its strong points and its weak points in underwriting. Every carrier does.
This is because each carrier develops a certain amount of sophistication and expertise with certain types of mortality risks. When you think about it, there are dozens of risk factors that are considered in life insurance underwriting. Every carrier cannot achieve an advanced level of understanding and comfort with everyone of them.
So they tend to specialize.
Let’s suppose a carrier has a cardiologist as a chief of underwriting. You can bet that they will be very competitive and heart-related cases.
Perhaps one of the executives of the company has a private pilot license. You know they will be very confident underwriting people who also fly.
This is how the business works. It’s really a question of which carrier would be most aggressive in applying underwriting standards to your particular risk.
Once that carrier is selected, then it is the broker’s job to advocate on your behalf.
Every potential available credit should be identified. The more credits you get for both medical and lifestyle factors, the lower your price will be.
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I have found that with regards to life insurance, this carrier has its strong points and its weak points in underwriting. Every carrier does.
This is because each carrier develops a certain amount of sophistication and expertise with certain types of mortality risks. When you think about it, there are dozens of risk factors that are considered in life insurance underwriting. Every carrier cannot achieve an advanced level of understanding and comfort with everyone of them.
So they tend to specialize.
Let’s suppose a carrier has a cardiologist as a chief of underwriting. You can bet that they will be very competitive and heart-related cases.
Perhaps one of the executives of the company has a private pilot license. You know they will be very confident underwriting people who also fly.
This is how the business works. It’s really a question of which carrier would be most aggressive in applying underwriting standards to your particular risk.
Once that carrier is selected, then it is the broker’s job to advocate on your behalf.
Every potential available credit should be identified. The more credits you get for both medical and lifestyle factors, the lower your price will be.