Life insurance and life insurance underwriting are topics none of us like to think about much. But it’s a smart idea to have a policy. Today, the average funeral costs between $7,000 and $10,000, and you don’t want your family scrambling to come up with that money. Plus if anything happens with your house, car, […]
About Dave Frucella
ABOUT AMERICAQUOTE ®
AmericaQuote ® is the service mark of the Christian-owned and operated independent insurance practice of David Frucella, located in Charlotte, North Carolina. This service mark is registered in the U.S. Patent and Trademark Office.
Mr. Frucella has been in life insurance sales for almost 45 years. He was twice named among the top 1% of life insurance salespersons in the United States for his former Fortune 100 company.
Recipient of many industry sales awards and national recognition, Mr. Frucella is committed to offering the most competitive life insurance products available.
In his spare time, he facilitates Biblical financial study groups for Crown.org and Dave Ramsey’s Financial Peace University.
Now in its 24th year on the Internet, AmericaQuote ® was the first “instant quote” life insurance website on the east coast and is the third oldest interactive life insurance site on the Web. We also feel it is one of the most comprehensive life insurance sites on the Internet today. Any questions you might have about AmericaQuote ®, please contact David Frucella at 1-800-542-5530.
AmericaQuote ® has only one mission statement… to glorify God and to serve you, the public.
“…so that in all things Christ might have the preeminence.” Col 1:18 (KJV)
THE SIGN OF THE FISH
The figure of the fish was first drawn by early Christians as a secret mark of identity in the time of persecution. The earliest followers of Jesus were persecuted and forced to worship in secret locations. They adopted a secret symbol – the fish. The letters in the Greek word for fish (Ι Χ Θ Υ Σ) stand for Ι-Jesus, Χ-Christ, Θ-God’s, Υ-Son, Σ-Savior.
The fish symbol transcends differences in cultures and denominations. From generation to generation, the fish symbolizes true followers of Jesus Christ, God’s Son.
As AmericaQuote’s owner and a Christian, I wanted to use this space to share my perspective on life and business… I believe the life of a Christian should be committed to glorifying and serving God through his or her lifestyle. God gave us the ten commandments to guide our lives. In the book of Matthew 22:37-39 (New Testament), Jesus was asked what is the greatest commandment of all. This was His answer: “You shall love the Lord your God with all your heart, and with all your soul, and with all your mind. This is the great and foremost commandment. The second is like it; You shall love your neighbor as yourself.” (New American Standard Version)
Taking this second commandment and applying it to selling insurance, we are commanded to present honest and accurate information. A simple way to say it is… treat people fairly as I would like to be treated if I were buying something. By God’s grace, we aim to glorify God on this website by providing the best possible insurance-buying advice. Please let us know if we hit or miss that goal.
If you would like to know more about becoming a Christian, please click HERE. It will allow you to explore faith in Christ with the Billy Graham organization.
Questions? Comments? Suggestions? 1-800-542-5530
Entries by Dave Frucella
When the business of life insurance began in 1759 in Philadelphia to help Presbyterian widows and orphans, there were no confusions or differences between term life insurance vs whole life insurance. Today, once you start looking for life insurance, all of the terms, rates, percentages, and explanations can get very confusing. And it’s for this […]
Research shows that 40% of Americans don’t have any form of life insurance policy in place. Does this include you? Buying life insurance is a wise route to take. However, it’s all too easy to stray off course. Life insurance policies are designed to provide financial security to your loved ones upon your death. The […]
Research shows that 52% of Americans don’t get life insurance because they believe that it’s too expensive. However, there are many simple ways to find a cheaper life insurance policy — from using price comparison tools to giving up a dangerous hobby. Life insurance guarantees that your family will be provided for if you pass […]
The answer to that question is: “it depends.”
If you are a non-smoker in good health, you should see most of the following companies towards the top of any worthwhile spreadsheet. If not, you may want to move on.
Question 10 – What’s involved with buying a policy?
Answer – There are many life insurance questions, but we’ll start with the application. It is a three-step process. First, there are forms to complete. Once
This is Part 6 – You can start at the beginning – HERE «Part 5 Who Should Consider Buying A Universal Life Policy? Is Universal Life Insurance right for you? I have a problem when people call me and tell me they paying $50-100 per month for a Universal Life policy because they bought for […]
This is Part 5 – You can start at the beginning HERE About Your Universal Life Insurance Quote «Part 4 – Part 6» About Variable Life Insurance The concept is the same as above. Variable Life is a “bucket.” everything works the same with a major exception. In a Variable contract, you have more control […]
This is Part 4 – You can start at the beginning HERE Universal Life Insurance Guide & Information «Part 3 – Part 5» Back to 1980’s… The interest rate the company is paying you on your “bucket.” is the critical part. Let me digress for a minute back to the 1980’s and into the 1990’s […]
This is Part 3 – You can start at the beginning HERE Benefits & Failures of Universal Life Insurance «Part 2 – Part 4» “The Bucket” What I’m about to describe is the “chassis” of a Universal Life policy, whether a standard Universal Life contract, Variable Life or Indexed Universal Life. I want you to […]
This is Part 2 – You can start at the beginning HERE About Universal Life Insurance Policies History of Universal Life Insurance Over 40 years ago, I sat in a former employer’s class anxiously waiting for the product that was going to revolutionize the life insurance industry. It was called Universal Life. It was a […]
Because insurance premiums can vary widely (as much as 300-500%), you should always get quotes in writing from multiple respected companies. AmericaQuote represents America’s top insurance companies. When you fill out our Instant Life Insurance Quote form you will get multiple quotes from the companies that offer the best and
Are the companies you are comparing small subsidiaries of larger parent firms? This is a very important. Many large companies are forming alliances with smaller companies to sell specialty products, such as term and term-like insurance.
I’m going to give the conclusion of this painfully boring and very lengthy article: Don’t buy a Universal Life policy (aka Flexible Premium Adjustable Life, Variable Life, Indexed or Equity Universal Life) if you don’t understand the inner workings of the policy.
Which to Buy?
The insurance industry is second only to the legal industry in making things more complicated than they need to be. There are really just two kinds of life insurance: permanent and term. Variations of each type exist, but let’s define “Perm” and “Term” as a starting place.
Life Insurance Sales Tactics – The Bait & Switch Watch Out for the Life Insurance Bait and Switch How I was trained to sell life insurance in the early 1970s: I dialed the phone from 6:00–8:00 p.m. every night looking for potential customers. My sales manager told me, “Don’t cover any details—just get the appointment.” […]
How To Save Money When Switching Life Insurance Companies
One well-known insurance company has flooded the airwaves with this promise: “Give us 15 minutes and we may be able to save you 15 percent on your car insurance.”
I am drawing special attention to the phrase “Guaranteed Renewable” in life insurance contracts because it is easy to misinterpret. When heard in a TV commercial: “Our policies’ rates are guaranteed for the first 20 years and are guaranteed renewable thereafter to age 100”—or something similar.
When I fly out of Charlotte’s airport, I don’t use valet parking. It’s convenient but very expensive. Instead, I leave my car in the inexpensive satellite lot and take a free shuttle to the terminal. One is easy and very expensive, the other is a little bit of trouble but less expensive.
My slow awakening may save you piles of money.
In 1974, I went to work for a major insurance company. They offered the usual package of benefits – health, dental and life insurance. They gave me one times my salary for free and I could buy up to four times additional