Financial Advisor Cannot Give Me a Life Insurance Policy That is Affordable
- mattmims
- Feb 27
- 2 min read
Updated: Mar 1
Why Financial Advisors Struggle to Find Affordable Life Insurance
If your financial advisor cannot give you a life insurance policy that is affordable, you are not alone. Many financial advisors struggle to find competitive life insurance rates for their clients. Why? Because they typically do not have access to the entire market, and they may not specialize in life insurance. At LifeStein.com, we make it easy to buy life insurance online, offering access to every carrier in the U.S. and writing policies in all 50 states.
Read along to find your easy solution (your unique situation is just below, I guarantee it). Just click the blue link if it matches your situation.
Common Reasons Financial Advisors Can't Get You a Competitive Life Insurance Rate
Financial advisors often have limited options when it comes to life insurance. Here are some of the main reasons they struggle to find affordable rates:
Zyn Use: Many insurance companies classify Zyn as a nicotine product, leading to higher rates.
Nicotine Use: Whether you smoke occasionally or regularly, nicotine use drastically increases premiums.
Cigar Smoking: Even infrequent cigar smoking can push you into a higher rate category.
Cigarette Smoking: One of the biggest factors in high life insurance rates.
Vaping: Many insurers treat vaping the same as cigarette smoking.
THC Use: Even in states where THC is legal, many carriers still penalize its use.
Anxiety & Depression: Many financial advisors do not have the expertise to find competitive rates for those with mental health conditions.
If any of these apply to you, LifeStein is your solution. We have access to every carrier in the U.S., ensuring you get the best possible rates. Call, text, or email Matt Mims directly at (601)-218-7854 or mattmims@lifestein.com to get started.
The Problem with Financial Advisors and Life Insurance
Financial advisors do not have a large enough market to truly help clients find the best life insurance policy. They often work with a limited number of carriers, meaning they cannot shop the market to find the best price. LifeStein.com solves this problem by working with every major carrier in the country, ensuring that no matter your situation, we find you the most competitive policy available.
When you work with LifeStein, you won’t be stuck dealing with random agents or impersonal call centers. Instead, you’ll work directly with Matt Mims, the owner, who is available by phone, text, or email. LifeStein takes the hassle out of buying life insurance by providing a direct, personalized experience.
Get a Life Insurance Quote Today
If your financial advisor cannot give you a life insurance policy that is affordable, it's time to work with an expert who can. At LifeStein, we make it easy to find a policy that fits your needs and budget. Contact Matt Mims today at (601)-218-7854 or mattmims@lifestein.com to get started. We write policies in all 50 states and have access to every carrier in the U.S., ensuring you get the best rate possible. Don't overpay for life insurance—get the best deal with LifeStein today!
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