Why? Most Americans underestimate their risk of suffering a disability and overestimate the
resources they have available in such an eventuality. Coordinated by the nonprofit LIFE Foundation, DIAM is an industry-wide educational campaign designed to reach out to people and increase their awareness of the importance of disability insurance.

Disability insurance will provide replacement income in the event that you can’t work due
to a disabling illness or accident. Think of it as insurance for your paycheck. Simply put, if you
have a job, you need disability insurance because the risk of a disabling accident or illness for exceeds that of death.

For some great information on disability insurance you can visit LIFE Foundations disability insurance website called protect your paycheck. You can also contact MEG Financial at (877) 583-3955 for a custom disability income insurance quote.

Client centered service and value based solutions have enabled Michael Earle Gray, Jr. with MEG Financial, Inc. in Pensacola, FL to earn membership in the prestigious Million Dollar Round Table (MDRT) and the “Court of the Table” for the eighth consecutive year.

Achieving membership in MDRT is a significant career milestone and is attained only by elite financial professionals who have demonstrated exceptional knowledge, expertise and client fulfillment. The Round Table’s membership represents the “cream of the crop” for life insurance and financial service professionals worldwide.

About The Million Dollar Round Table

MDRT, The Premier Association of Financial Professionals, is an international, independent association of more than 33,000, or less than 1 percent, of the world’s best life insurance and financial services professionals. With membership from 74 nations and territories, MDRT members demonstrate exceptional product knowledge, strict ethical conduct and outstanding client service. Regarded as business and community leaders, membership in MDRT is recognized internationally as the standard of sales excellence in the life insurance and financial services business.

About Michael E. Gray, Jr.

Michael has 18+ years of life and disability insurance experience and is a licensed life and health agent in all 50 states and the District of Colombia. Since graduating from the University of West Florida with a Bachelor’s Degree in Economics in 1993, he has devoted his entire career to the insurance and financial services profession with specific emphasis on life and disability insurance. Over the years, Michael has assisted thousands of individuals and businesses on a nationwide basis.

In addition to MDRT, Michael is a member of the National Association of Insurance and Financial Advisors (FL) and the Better Business Bureau of Northwest Florida, Inc.

Michael has a beautiful wife Susan and they have 5 children: Elizabeth, Katelynn, Ryan, Emmilee, and Hannah.

About MEG Financial

MEG Financial, Inc. is a Florida based corporation that provides insurance and financial services consulting to individuals and businesses in all 50 states and the District of Colombia. Primary areas of expertise include term life insurance, universal life insurance, in-force policy review, insuring tough health risks, business life insurance including key man insurance, business succession planning, disability income insurance and estate planning. MEG’s customer centered approach allows for optimum solutions at the absolute best value. This is wholly embodied in MEG Financial’s tag line “True Direction for Life.”

MEG Financial Founder and CEO, Michael Gray, Jr. states, “We are proud to be recognized again by the Better Business Bureau. Being Accredited by the BBB, reaffirms our unwavering commitment to delivering the best results to our customers and clients with the highest level of integrity.”

For the last 18 years, MEG Financial has strived to instill trust in every aspect of business practices by focusing solely on the needs and objectives of its customer. This customer centered approach goes hand in hand with the BBB’s Standards for Trust. The BBB Accreditation means that MEG Financial has adhered to build trust, advertise honestly, be transparent, honor promises, be responsible, embody integrity and safeguard privacy.

Gray adds, “our company tag line is ‘True Direction for Life’ and is reflective of our desire to provide the best solutions for our customers’ insurance and risk management requirements with the highest level of integrity.”

About the Better Business Bureau

The Better Business Bureau has a vision to establish an ethical marketplace where buyers and sellers can trust each other.The BBB ensures that high standards for trust are set and maintained and exists so consumers and businesses alike have an unbiased source to guide them on matters of trust. The BBB provides educational information and expert advice that is free of charge and easily accessible.

About MEG Financial

MEG Financial, Inc. is a Florida based corporation that provides life insurance and financial services consulting to individuals and businesses in 50 states. Representing over 80 of the nation’s highest rated and most respected life and disability insurance companies, MEG’s primary areas of expertise include term life insurance, universal life, disability income insurance, in-force policy review, insuring tough health issues, business insurance including business succession and key man life and disability insurance, as well as estate planning.

As we start into a brand new year, if you are like most people, you think about resolutions, important things you want to accomplish and those lists of things that you were to do last year that you did not get done. If you are like me, family matters and financial goals are top of mind. Now is the perfect time to review these things and life insurance should definitely be on the list.

When Was The Last Time You Went To Your Doctor For A Check-Up?

Yes, you have probably seen the doctor or at least had an annual physical within the last year. If you are in the majority, you will see your physician again this year. It only makes sense for us to make sure that we are managing our health and doing what we need to do to live a quality life.

When Was The Last Time You Reviewed Your Life Insurance Policy?

If you are like some people, the last time you reviewed your life insurance policy was when you receive it from your agent. Sad But True! Yes, it’s a fact that life insurance isn’t the most intriguing topic but having a clear understanding of your life insurance policy(ies) is a very important part of your overall financial plan. In fact, life insurance is crucial to your families financial security!

Top Seven Reasons to Review Your Life Insurance Policy

1. Rates are coming down! See, term life insurance rates reduced.

2. You are overinsured or underinsured. Your financial circumstances change over time and you must make sure that your life insurance keeps pace with the changes.

3. Your level term period is expiring or has expired. Most term life polices offer a fixed rate for a set period of time. You need to keep track of your level rate period so that you can extend it if necessary.

4. Your health has changed. Maybe you have lost weight or quit smoking?

5. You are overpaying! If you paid more than you should have for your existing life insurance policy you need to take another look.

6. You need to change your beneficiary(ies). Things change and you should review your policies to make sure that your beneificary designations are up to date.

7. You have not heard from your agent in years. Let’s face it. Most agents do not provide customer service at all! In fact, most agents never follow-up with their clients once the policy is delivered and effective.

Summary

Your life insurance portfolio is just as important to your financial health as an annual check-up with your doctor is to your medical health. Don’t be shortsighted and miss opportunities to improve your life insurance plan. A second opinion may make all the difference. To get a no obligation life insurance review, call MEG Financial to day at (877) 583-3955. You can also get an instant life insurance quote right now.

Major term life insurance players such Banner Life, Lincoln Benefit Life and Protective Life have all recently announced that they have again dropped rates for many ages and health classes on their term life portfolios. This rate revamp is a clear indication of the continued competitiveness of the overall term insurance marketplace but even moreso of the commitment of these companies to be leaders in term life sales.

As a consumer, this is great news, especially if you are in excellent health. In many cases, rates for the most healthy buyers fall the most. Regardless of your health though, you now may likely be able to find life insurance cheaper.

Now is the time to check your options. You can get an instant term life insurance quote right from this website.

MEG Financial, a nationwide leader in low cost term life insurance, announces the launching of a new website, lifeinsurancenomedical.com, that allows qualified customers the ability to purchase an affordable term insurance policy online without requiring a medical exam.

Lifeinsurancenomedical.com, utilizes an innovative electronic underwriting platform, developed exclusively by HSBC, to screen potential candidates and approve them for life insurance in a matter of minutes. HSBC’s “smart technology” offers life insurance shoppers a convenient alternative to the traditional method of buying life insurance. For many people, the idea of getting an affordable term life insurance policy without the hassles of a medical exam is extremely attractive.

HSBC’s innovative underwriting technology incorporates a series of detailed medical questions that are answered by the applicant directly online from the lifeinsurancenomedical.com website. Additionally, the company will complete a review of the applicant’s medical information bureau (MIB) record and will cross reference a pharmaceutical database to verify specific medications. The result is a thorough health assessment and if all conditions are satisfactory a policy is usually approved within minutes.

Not only is the entire process easy and efficient, rates are extremely competitive. In fact, in some instances such as well controlled diabetics and even some smokers, the cost of buying a policy through the lifeinsurancenomedical.com website is more attractive given the fact that there is no medical exam requirement or lengthy underwriting process.

About HSBC

Headquartered in London, HSBC is one of the largest banking and financial services organizations in the world. HSBC’s international network comprises around 8,000 offices in 88 countries and territories in Europe, the Asia-Pacific region, the Americas, the Middle East and Africa. HSBC provides a comprehensive range of financial services: personal financial services; commercial banking; corporate, investment banking and markets; private banking; and other activities.

Life policies sold through the lifeinsurancenomedical.com site are underwritten by Household Life Insurance Company and First Central National Life Insurance Company of New York and are indirect subsidiaries of HSBC North America Holdings Inc. The companies are rated as “A Excellent” (third highest rating of 16) by A. M. Best Company.

About MEG Financial

MEG Financial is a Florida based corporation that specializes in life and disability insurance for individuals and businesses. MEG Financial’s agents are licensed in all 50 states and the District of Columbia and represent over 80 of the nation’s highest rated and most respected life and disability insurance companies. MEG Financial’s primary areas of expertise include low cost term life insurance, insuring tough health issues, business insurance including key man life and disability insurance as well as estate planning.