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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®.

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 mind…

Life Insurance Living Benefits: Use Your Policy 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 pleasant. However, there are instances where life insurance pays off even…

variable life insurance - father and son

Term Life Insurance: Simple Low-Cost Coverage

Consumers often ask about term life insurance and whether term life is the best coverage option. Questions about term life are completely understandable given the reoccurring television ads and numerous financial gurus promoting this type of coverage day in and day out.This article, Term Life Insurance: Simple Low-Cost Coverage, provides an overview of term life and…

No Exam Life Insurance: Coverage Without a Medical Exam

Is it possible to get life insurance without taking a medical exam? The short answer is... YES, with no exam life insurance. Applying for life coverage can be a lengthy and somewhat complicated process that may include completing a medical exam, providing medical records, the review of medical, prescription, and driving records, and other requirements.If you have a…

Guide to Qualifying for Life Insurance with Medical Conditions

The process of applying for life insurance can be confusing enough without the complication of trying to get approved for life insurance with medical conditions or various health issues. 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…