If you have a mortgage, the mortgage may have a life insurance policy attached to ensure the lender is repaid in case of death of the borrower. If your mortgage is insured, the cost will appear on your monthly mortgage statement.
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
Craig Karpel states his belief that most Baby Boomers will never be able to retire. How’s that for an attention-getter? Karpel is the author of the book entitled, The Retirement Myth, published by Harper Collins. In his book, Karpel states that retirement, as we now know it, will only exist for the rich.
How Risky Are You? Along with advances in healthcare, insurance companies have changed the way they evaluate risk in applicants. For example, conditions like high blood pressure, acid reflux, high cholesterol, sleep apnea, and others used to be considered high risk conditions.
People with chronic or serious health concerns want to provide for their families with insurance just like healthy people do. The problem is this: If you are in poor health you are, statistically speaking, a high risk for an insurance company.
It’s timeless advice, and it applies to buying life insurance: There is no such thing as a free lunch.
You will sometimes find insurance companies—not insurance salespersons or brokers, but the insurance company itself—advertising “No Commission” policies.
In prior years, insurance companies built some flexibility into their non-smoker and smoker categories. The term “smoker” used to denote those persons who smoked cigarettes only. This meant, in some cases, a cigar smoker or tobacco chewer could qualify for a non-smoker rate.
Be sure to contact the Social Security Administration at least every three years. Those contributing to Social Security should check their contributions to insure they are correct. After 3 years the records go off-line and problems need to be researched manually which could take forever.
A. M. Best Company is the country’s most recognized insurance rating organization. While the A. M. Best rating system is used to evaluate various aspects of businesses, the rating most visible to the public is the overall “letter grade” rating assigned to insurance companies.
Anytime you are replacing an existing life insurance contract with another, make sure to check these four points:
1. Closely compare the two policies in terms of rates, rate guarantees, contestable period, stability of the two companies (if they are different).
You have a difficult decision to make. You can choose the short explanation of re-entry or the long-winded version. If you really want to understand it and have some coffee handy, we suggest the long-winded one.
Short and Sweet Version
Play an imaginary game with me for just a moment. I’m asking you do this because I had a lengthy discussion and disagreement with one of AmericaQuote’s viewers. Imagine for a moment there are no local life insurance agents in your city and the only way you can buy life insurance is over the Internet.
How Much Life Insurance Do I Need? Four things I strongly recommend before you make any decisions about life insurance: Make sure you speak with an experienced agent. Ask them how long they have been selling life insurance. Make sure the agent represents several carriers, not just one. Make sure the agent is licensed in your state. Ask […]