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All Posts By James Shiver, DBA

James Shiver is the founder of ChoiceLifeQuote.com and a multi-state licensed independent life insurance agent serving the individual family and small-business markets. Dr. Shiver also serves as a university business professor, as well as being an Accredited Financial Counselor®.

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Types of Life Insurance | Comparing Policy Options

Most Americans believe they need life insurance to provide a foundation of security for their families. However, choosing between the different types of life insurance plans available in the marketplace can be a challenge. This is an important consideration since the coverage you choose can provide not only financial protection but also significant peace of…

Life Insurance Living Benefits | Using Policies While Still Alive

Many people shy away from conversations about the need for life insurance because of the sobering nature of the topic. But, life insurance living benefits can be a different story. Let’s face it… Considering the possibility of not being here for our loved ones is not a pleasant thought. However, there are instances where life insurance pays…

Term Life Insurance | Simple Low-Cost Coverage

In considering life insurance coverage options, consumers often ask about term life insurance and whether term life coverage is the best option to meet their family's financial goals and objectives. These questions about term life coverage are completely understandable given the amount of consumer information available, reoccurring television life insurance ads, and numerous financial gurus…

No Exam Life Insurance | Non-Medical Coverage Options

Is it possible to get life insurance without taking a medical exam or completing medical requirements? The short answer is... YES, with no exam life insurance. No exam life insurance provides a simple method of obtaining needed coverage. Applying for coverage can be a somewhat complicated process that may include completing a medical exam, providing medical records, the review…

Qualifying for Life Insurance with Medical Conditions

The process of applying for life insurance can be confusing enough without the complication of serious medical conditions. In evaluating an application insurance companies routinely have standardized underwriting processes. Since insurance companies consider your health and medical history in evaluating an application for coverage, certain pre-existing conditions may cause your rates to increase or coverage to be…