Blog | Gold Smith Insurance

AARP life insurance rates are high, will you find a better rate?

NYLAARP life insurance might not be best for you. Now, I am not saying that AARP is bad nor the insurance company that sells the insurance for AARP, which is New York Life, but the insurance they call NYLAARP offers one-size-fits-all, overpriced,...

New York Life Term Insurance Rates- Is it the Big Apple of Life Insurance or the Forbidden Fruit?

For full disclosure, I am not an agent of New York Life and I can not provide New York Life quotes on my quoter, if you want to compare New York Term Life Insurance Rates to the masses you must do your own research.Are you familiar with New York Life...

Marijuana and Life Insurance Exams Update for 2019

Marijuana and Life Insurance Used to be Taboo. In 2018, (a few days from 2019) being a marijuana user doesn’t mean paying higher than a kite life insurance rates. The future is looking much brighter for pot smokers and life insurance...

Affordable Term Life Insurance for Smokers

Term Life Insurance for SmokersSmoker life insurance is expensive - there's no way around it. I have heard people say this time and time again: "It is impossible to get affordable life insurance for smokers." With term life insurance for smokers, even...

Zander Insurance Might Not Be Your Best Bet

Before You Buy Zander Insurance, Make Sure You Read ThisClaims to be an independent life insurance brokerageFinancial guru Dave Ramsey recommends Zander Insurance to his clientsZander Insurance claims to be an independent life insurance brokerage (like us...

Low Cost Term Life Insurance

Low cost term life insurance is important in order to keep your expenses relatively low. After all, at this time of year with the ever growing list of holiday gifts you need to buy, you’re looking to save whenever possible. You keep hearing about low...

Life Insurance Over 50 – A Growing Market

Life Insurance for people over 50 has become more relevant in recent years as people choose to retire long after they reach the age of 65. In general, when younger people buy life insurance, often the main concern is income for their spouse and family and...

Instant Life Insurance Quotes Can Help You Find the Best Pricing

If you’ve ever bought life insurance before, you know that it can be a long and frustrating process. You have to call the different insurance companies, get the paperwork, send it back, wait for quotes, and much more. Thanks to the Internet, the days of...

Stonebridge Life Insurance – Too Good to be True? Well, Read This…

Life insurance policies are one of the most important purchases that you’ll make for your family. It’s the only way to ensure that they will have the money they need if you were to pass away. Nobody wants to think about their own death, but making a good...

Life Insurance Reviews – Are You Doing It Regularly?

Most agents do not offer free life insurance reviews and I do not understand why. You’ve put in the work – you made plenty of comparisons when you shopped for your life insurance policy a few years ago. You diligently listened to so many reliable opinions...

Simplifying Various Life Insurance Types

Does thinking about the various life insurance types leave your head spinning? I hope it makes you feel better to know you’re not the only one like that. If you’re in the market for life insurance, let us help you. These descriptions of the life...

Finding the Cheapest Term Life Insurance

Life insurance is one of the most important purchases that you’ll ever make for your family. It’s vital that you have the insurance coverage that would give them enough resources to recover if something tragic were to happen to you.Finding the right policy...

Have you considered Life Insurance for your Parents?

Life Insurance for your ParentsWhile most people likely know that Life Insurance for your Parents is important for those who have a spouse and young children counting on them financially, what many may not realize is that this coverage can also be an...

Is Second to Die Life Insurance Right For Us?

Second to die life insurance, survivor ship life insurance, and or 2nd to die as some people refer to it is a specialized policy unlike typical individual coverage. When you’re looking to buy life insurance, there are several different kinds. Each type...

Should You Buy Life Insurance with No Medical Exam

If you’ve been denied life insurance coverage because of poor health, a disease, chronic condition, or a risky job, you may think that you can’t receive adequate or affordable life insurance, but that couldn’t be further from the truth. Regardless of your...

Reasons to be Wary of Primerica (also known as Prime America)

Disclaimer: We are not affiliated with Primerica or, as some refer to them, Prime America. This article is our review of Primerica and their life insurance products.Primerica (also known as Prime America) is a very well-known name in the life insurance...

Affordable Life Insurance for Diabetics

Life Insurance for DiabeticsContrary to popular belief, life insurance for diabetics is readily available at great rates if you control your blood sugars. It is very common that those suffering from diabetes or even those needing affordable life insurance...

Is a 412e3 Defined Benefit Pension an Overlooked Retirement Plan?

What is a 412E3 Fully Insured Defined Benefit Pension Plan?Defined benefit pensions under the Internal Revenue Code Section 412(e)(3), also known as 412e3 plans, offer small business owners tremendous overlooked benefits and deductions for setting up a...

What is Guaranteed Issue Life Insurance?

Guaranteed Issue Life Insurance What is Guaranteed Issue Life Insurance?Guaranteed Issue Life Insurance is a no questions asked life insurance policy. When it comes to these policies, you are not required to answer any medical questions about yourself,...

Teacher pension maximization using permanent life insurance.

A teacher pension is a great benefit. In most states when a teacher retires, they have a choice when it comes to their retirement and how they receive a teacher pension. The first option is the "single life" which is the the total value of their pension...

Are you Shopping Low Cost Term Life Insurance?

Low cost term life insurance is easy to attain when you utilize an independent life insurance broker like Goldsmith Insurance Agency. We have access to over 75 of the nation’s top rated life insurance companies such as Banner Life and that correlates to...

Who Needs Life Insurance for Elderly?

Life Insurance for elderly is becoming more popular as life expectancy has increased. The good news is if you are elderly and looking for affordable life insurance you can feel secure knowing that there are great options available. Most would assume that...

Before you buy Farm Bureau Life Insurance, shop and compare

For a long time out in the farms of America, Farm bureau had a virtual monopoly on providing life insurance. The risks associated with farming and how to calculate proper coverage was really only understood by underwriters of agricultural focused insurance...

Mortgage Protection Insurance- Who Should It Really Protect?

Mortgage Protection Insurance is a candy wrapper for term life insurance. Whether you are a first time homeowner or have owned many homes, the questions remains what happens to the home if the breadwinner or mortgage holder dies premature? No one likes to...

Is Life Insurance for Parents Important?

Life insurance for parentsHave you ever thought about life insurance for parents? Do your parents have their final expenses planned out? Most baby boomers are living longer and many are outliving their savings. As long as you have a direct interest in the...

Life Insurance News