COVID-19 impact on Life Insurance – How will Coronavirus influence your ability to get life insurance to protect your family?

Protecting your family is my #1 goal

In these confusing times, protecting your loved ones must be constantly on your mind.

If you’re thinking of updating your life insurance protection, you may have many questions regarding the impact of the new COVID-19 outbreak in your ability to get life insurance.

  • If you already have adequate life insurance,  no need to worry! The new pandemic will not affect your current policy coverage or premiums.
  • If you’re looking to add life insurance to protect your loved ones, you may want to consider a plan that can be purchased by telephone or online, which does not require a physical or blood test. Many plans can be placed in force with only a phone call, you don’t even have to meet an agent in person.

Social distancing and life insurance underwriting

While self-quarantine and social distancing help prevent the spread of the virus, life goes on and you still need to protect your family from financial harm. Life insurance coverage is one way to protect your family and having some simple options is key during trying times like these.

Many insurers have recently lowered their life insurance rates while also simplifying their underwriting requirements for new life insurance plans. Simplified underwriting means you no longer need to get a blood test or physical exam, since the insurance companies can verify the relevant health information from digital medical records and pharmaceutical reports. You could start coverage with just a telephone call and an email / electronic signature. Many A-rated insurance carriers now offer electronic applications where you’re not even required to receive or mail in a paper application.

Don’t let the COVID-19 pandemic let your family exposed to financial ruin in case of an untimely death – protect your family today!

Call 239-LIFE-GUY or email




Things to do during Quarantine and Chill

Nothing to do when you’re bored and locked-up in your house due to the virus fears? Working from home is helping you stay away from potential infection but now you’re bored out of your mind? Netflix has nothing good and you played all the board games already? 

Maybe it’s time to give some thought and review your family protection plan: is your life insurance up to date? Are you paying too much? What’s your health insurance deductible and how can you decrease your out-of-pocket spending if you get sick? Is your sick-pay plan covering short-term illnesses and long-term periods of inability to work?

Protecting yourself and your family with LIFE INSURANCE.
Call me to get the LOWEST RATES and update your family’s protection – for some plans it only takes a phone call and an email to get approved – no exam, no blood testing, don’t need to leave your house or meet with an agent or mail an application. The whole process can take about 20 minutes and some plans have instant approval. If you don’t want a printed policy in the mail, you can have your policy delivered electronically (online download or email). 

Call me at 239-LIFE-GUY or

Be safe and take care of yourself and your family!

Diagnosed as “Too Poor to Get Sick”? We have health insurance options for you

Until single-payor or “Medicare for All” becomes reality (I’m not holding my breath over that), you still need some affordable medical coverage.

You can’t rely on GoFundMe campaigns to raise money for medical expenses. Crowd funding and bake sales have their usefulness, but healthcare is not one of their recommended uses.


From as low as $17/month you can get coverage that will help with your medical costs.

Ask me for a quote.   or  (239) 466-4466

Adulting: Do you really need insurance in your twenties?

You’re in your twenties, but you still feel like you’re not really ready for this adulting thing? Still, that’s no excuse to being irresponsible and risking your future financial freedom by ignoring the need to protect yourself through adequate insurance.


Health Insurance

You’re probably off your parents’ health insurance, so you need to start shopping for your own plan. Not all employers offer health insurance benefits, especially if you’re working part-time or as an intern, but you can still find affordable options as an individual, or even as self-employed entrepreneur. HEALTH PLANS start at $17/month.


Life Insurance

One of the biggest mistakes most young people do regarding their financial protection is ignoring their future needs for life insurance, since they typically don’t yet have dependents or families to take care of. The cost of waiting to purchase life insurance until later can be influenced in the future by higher age, decreasing health, potential of contracting certain illnesses that can even deem them uninsurable. What most fail to realize is that you can lock-in very low rates for life insurance that could stay low for decades or even lifetime, until the need arises when you have a mortgage, children or even dependent elderly parents. Rates start as low as $7/month for $50,000 benefit. 


Cancer and Critical Illness Insurance

Don’t look up what your chances are of getting cancer or a heart attack during your lifetime. Oh, you did? Scary, right? We live in a time when we do expect to live longer due to improved healthcare and advances in science , but we now have more time and chances to contract a debilitating illness like cancer, heart attack or stroke. If that happens, it usually wreaks havoc financially not just health wise. A critical illness insurance plan will pay you a lump sum benefit (from $10,000 to possible $500,000) at first diagnosis of a critical illness like cancer, heart attack, stroke, or many other debilitating illnesses. These plans start at only $15/mo. and offer funds that can be used for any purpose the insured needs, like trying alternative treatments, cover the income lost due to illness, or simply take a vacation while recovering from the illness.


Disability Insurance

What’s your future lifetime income potential? A person earning an average of $50K per year can expect to collect about $2,000,000 in income over a working lifetime before retirement. For most of us, our ability to earn future income is our largest asset.

Many don’t think they can protect their ability to earn an income unless they work for an employer that offers Short-Term Disability and Long-Term Disability insurance. For decades now the INDIVIDUAL Disability Insurance market has developed, many insurers offering INCOME PROTECTION in case you are sick or injured and can’t work full-time in your occupation. Yes, even if you can still work part of the time, or can work in another job but not the one you were working at the time you got sick/injured, you can still get compensated for the portion of lost income due to illness.

Disability insurance policies are designed to protect your specialty, for example a surgeon that injures his thumb to the point of being unable to perform surgery, but can choose to work as a general physician instead, will potentially suffer a loss of income due to the thumb injury and will qualify to receive a supplemental income in the form of a monthly benefit from a disability insurance policy.

Even if you change jobs, an individual Disability Insurance policy moves with you, covering you at the new job or specialty.

If you were offered two similar jobs, one of which does not offer any disability coverage, but the other pays you $1,000 less per year however if you get sick you still receive 65% of income, which job would you take?  So even if your job does not offer disability insurance, it makes sense to get an individual plan and protect yourself in case of job loss due to injuries or illnesses. Disability insurance can cost as low as $18/month.


Long-Term Care and Life coverage for your parents

Yes, YOU can take insurance on your parents, if they’re not educated enough about the need or existence of these financial protection options. As a child of elderly parents, there is an insurable interest and need for protection to cover certain risks like: inheriting an unexpected mortgage that you can’t afford, or taking care of medical expenses for elderly parents. Low rates available – ask our experienced advisors for a quick quote.


Adulting is hard. We can help with some of the responsibilities to protect your future.   or  (239) 466-4466



Companies overcharging for Life Insurance lose clients to NEW TERM LIFE

NEW Life Insurance

rates from $6/month

Over the past decade the life insurance rates have dropped significantly making life insurance more affordable for young families as well as seniors. With the increase in life expectancy over the past century, some insurance companies have properly adjusted their rates based on the new actuary tables to reflect the lower mortality the population is expecting today.

However, not all insurance companies have adapted the new lower rates, hoping that their loss of clients will be balanced by the higher rates and lower benefits they have to pay. You should ask your agent to compare multiple companies in order to get the lowest rates available.


NEW life insurance pays if you LIVE

New life insurance products have entered the market lately, with many policies paying benefits even during the insured’s lifetime, so you don’t have to die to get paid certain benefits by your life insurance policy. These hybrid life insurance plans can pay benefits for surviving an accident, or at first diagnosis of a critical illness like cancer, or heart attack, burns, etc.


Get ALL your premiums back if you survive

Short-term life insurance plans also known as TERM LIFE last from 10 to 20 or 30 years, usually taken to cover a temporary need like a mortgage or a loan, or until young children graduate and “leave the nest”. Usually, most TERM life policies reach their contractual end after 10-20-30 years, without paying a benefit if the insured outlives their policy. However, new TERM LIFE policies now offer a REFUND OF PREMIUMS if you live beyond the policy termination date, receiving the full amount paid over the years on premiums. Ask for the “Return of Premium” feature to be added to your life insurance policy, if you’re shopping for a new Term Life insurance plan. To add this new rider costs extra, but ALL premiums including the extra cost of the rider will be refunded back to you if you outlive your policy.



More insurance companies now offer ways to help insureds make monthly mortgage payments or even pay-off medical debt in case of a major illness or job loss due to medical reasons, or even supplement retirement income in case you live too long and are in danger to outlive your savings. Ask your agent if your new life insurance policy has any LIVING BENEFITS or supplemental benefits that can be used to cover any future needs.


New tax advantages of life insurance benefits

All these life insurance benefits also offer a tax advantage, since the current legislation allows preferential taxation of life insurance policies, where most benefits received from an insurance policy are either tax deferred (until death or policy cancellation) or even tax-free. When looking at a new life insurance plan, don’t forget to ask about the tax implications and advantages when receiving benefits for certain situations.


Rates as low as $6/month !

See your rates for the NEW term life insurance – as low as $6/month (example: $50,000 benefit for a Female age 35, non-smoker – good health).

Surviving cancer, financially

We all know someone affected by cancer and we all hate this dreaded disease. The second worst thing about a cancer diagnosis is the financial hole it will cause in your bank account.

Back when the very first heart transplant was pioneered by Dr. Marius Barnard and his brother, he noticed that patients that didn’t have additional financial fears caused by their illness were quicker to recover. Dr. Barnard came up with a way to offer patients and their families with a way to pay for certain large medical expenses, with the help of a CRITICAL ILLNESS insurance plan. The plan would pay a lump-sum benefit at the first diagnosis of a covered illness, including CANCER, heart attack, stroke or many other major illnesses.

Since 1983 when the first Critical Illness insurance was written on a patient of Dr. Barnard’s, millions of families have been saved from bankruptcy or certain financial ruin due to illnesses of their family members.

If you’re concerned about the potential financial disaster a critical illness like cancer or heart attack can cause, then you need a CANCER INSURANCE policy or a full CRITICAL ILLNESS INSURANCE that can cover many other major illnesses besides cancer.

Financial stress relief plan for those who count on you

Are you ever worried about the next paycheck, about putting food on the table, keeping a roof over your head? Poor planning for unexpected illnesses or accidents can cause real financial disasters that could impact your life and can change your future family plans.

You can help you get PEACE OF MIND in three easy steps:

  • start a BUDGET – know where your money’s going.
  • Protect your INCOME – make sure you have a continuous source of income, no matter what happens with your health in the future.
  • Protect your FAMILY – life insurance for the worst case scenario, if your family needs a replacement of your income in case of untimely death.

Start your “Financial Stress Relief Plan” today!


Call 239-466-4466 or email



“Ashes to Vinyl”, your last mixtape – Coffee with LifeGuy

First, there was the simple urn. Then, we figured how to turn ashes to diamonds. Now, a new company is creating vinyl records from the ashes of loved ones to help them “live on from beyond the groove”.

The only question is: what will YOU want your final record to play? Maybe your favorite song(s)? Maybe a recording of your voice? Some advice you’d like to leave to your loved ones? Or, just telling them you loved them.

The task of pressing the ashes of a loved one in vinyl comes at a pretty steep cost: starting at $4,300 US dollars. (let us show you how to pay for it!)

Regardless what you’ll want played on your last record, we’ll help you pay for it – get LIFE INSURANCE to cover your final wishes and expenses and help your family go on without your income.

$100,000 Life insurance from $9

Do you understand your insurance policy? Coffee with LifeGuy

Have a coffee with the LifeGuy and discuss your insurance policy.


Understand your insurance coverage and know the benefits, limitations, exclusions and coverage gaps in your insurance policy.

  • Life insurance
  • Health insurance, vision & dental
  • Medicare insurance
  • Accident insurance
  • Disability insurance
  • Cancer & Critical Illness insurance

Do you have the right coverage for you? Are you under-insured? Over-insured? Paying too much? Talk to the LifeGuy in a no-pressure environment over a coffee or tea, no obligation to purchase anything.


Daniel “LifeGuy Dragan