Life Insurance Learning Center

Here at CEG LIFE we pay tribute to those who do the most important (and the hardest) work in the world. Make sure you give your mom (and mother of your children) something special this Mother’s Day. Even more important, make sure you give her a lifetime of love and gratitude; after all, you wouldn’t be where you are without her!

There are many things that men “need” to be happy. One of those things is peace of mind that their loved ones are taken care of financially if something were to happen to them. Hence, men need life insurance…

While you may not think a dollar goes very far these days, when it comes to financially protecting your family it may last for years to come…

Here is a step-by-step explanation of how the life insurance application process works at CEG LIFE:

Step 1:

Compare price quotes instantly from over 15 top life insurance companies for your preferred policy, using our instant online quote machine.

Step 2:

Choose your preferred life insurance company and complete and submit our secure online life insurance preliminary application. This is immediately received at our offices and a member of our staff will then transfer all of your information to the requested company-specific application. Remember, submitting an application does not obligate you to buy insurance; it simply allows a company to provide you with an offer of insurance that you are free to accept or reject!

Step 3:

Within two business days, you will receive a phone call from a medical exam company to ask a few more questions to complete your application file, and to set up a time with you for a “mini-physical” exam (at no cost to you, and at your convenience in your own home or place of employment). Think of this as a complimentary medical check-up! For more information about what this exam consists of, and how to prepare for it, click here.

Step 4:

Within 3-4 weeks after your “mini-physical” exam you will receive a “policy offer” back from the insurance company, which we will send to you via e-mail. This you can choose to accept or reject, or even modify. If you accept it, you will receive your policy in the mail usually within two weeks. [If your health history requires a review of your medical records, these will be ordered directly from your doctor(s) and can take an additional 30 days to receive and process].

Step 5:

After receiving your policy, you will need to sign and return the “policy delivery requirements” (affirming that you have accepted and received it) along with your first premium payment (by credit card, check, or bank draft). Upon receipt of your first premium payment you will be insured and your loved ones financially protected!

CEG LIFE is happy to present: Celebrate Life! A Photo Contest! There will be three winners to this contest, as follows:

First Prize = $125 and his/her photo will become our new Facebook “Cover Photo”
Second Prize = $75
Third Prize = $50

All are invited to participate in this fun, interactive project. The official rules are listed below.

Official Rules of the CEG LIFE Photo Contest:

1. Up to two submissions per photographer.
2. Must be 18 years or older to submit a photo entry.
3. Upload photos in a Facebook Message to the official CEG LIFE Insurance Services Facebook page. The message must include—the photo, name of the photographer, and the area the photo was taken.

For example: *Photo*, John Doe, Tulsa AZ. Photos without these specifications will not be included.

4. Photo must be uploaded no later than April 25, 2012 at 11:59:00 PM PST.
5. Photos including vulgar language or illegal/inappropriate images will not be included in voting.
6. Photos will be all be uploaded at the same time on the CEG Life Insurance Services Facebook page, in a photo album called “Photo Contest” (April 30th, 2012).
7. Photos will be open for “liking” and commenting as soon as they are officially posted on the CEG Life Facebook page.
8. Participants are allowed to invite others to visit our Facebook page and “like”/comment on the photos to try to help their photo become a finalist.
9. “Liking” on Facebook will not be the official voting mechanism to become a finalist, but rather a way for you to influence the CEG LIFE marketing department as they seek to narrow down the selections to FIVE finalists.
10. At the end of each week, our marketing department will narrow the total number of photos in the album.

Photo removal dates: May 7th, May 14th and May 21th.

11. The final FIVE photos will be posted on the CEG LIFE blog for final voting by you on May 25th, 2012.
12. Final voting will be closed May 30th, 2012.
13. The photo receiving the most votes will win first prize; the one with the second most votes gets second prize; and the one with the third most votes gets third prize.
14. The photos will then be posted on our blog in winning order as follows:

3rd Place: June 4th, 2012
2nd Place: June 5th, 2012
1st place: June 6th, 2012

15. Winners will receive their prize money 2-3 business days after the winner is posted on our blog.

Small print: Employees of CEG LIFE are not allowed to submit a photograph in this contest. CEG LIFE Insurance Services is not responsible for any lawsuits pertaining to content within photographs. Photographers must get approval from all persons being included in their photograph. By entering this contest, the photographer grants all access to CEG LIFE Insurance Services for the use and reproduction of their photo. Any photographs containing material that is not owned by the photographer, he/she is legally bound to the content thereof—i.e.: persons, buildings, property, and all other possible legal ramifications in your photo. All photographs that are not the legal property of the submitter will be rejected and any award will be forfeited at any time this is discovered.

This contest is not affiliated with or endorsed by Facebook in any way, and the acceptance of all submissions is solely under the discretion of CEG LIFE and any individual or group whose services they contract with.

Social media. If you were asked what social media was 10 years ago, before Facebook, Linkedin, and Twitter existed, you probably wouldn’t have a clue how to define it. Yet now, for hundreds of millions of individuals around the world, a day doesn’t go by without their participation in social media. These new online tools not only facilitate interpersonal, group, and mass communication; like television and radio previously, they have created a whole new way to communicate that connects us with the rest of the world like never before in history. In short, social media has created a whole new exciting way to both enjoy our lives and to share them with others.

Life insurance. Life insurance is probably one of the most boring and unused purchases available in the marketplace. Let’s face it, nobody is excited about purchasing a life insurance policy and, once purchased, nobody is thrilled about the potential of using it—in fact, most people hope they never need to use it. However, similar to social media, life insurance exists to allow us to more fully enjoy our lives and to share them with others. While we of course don’t look forward to dying (maybe this is why we don’t look forward to purchasing life insurance), by preparing for the possibility we establish a way for our loved ones to still enjoy and make the most of life even if we leave them unexpectedly. Although it may be easy to imagine what life is like without life insurance for those who have not yet needed to rely on it, go ask someone who has needed to rely on the money left to them from a life insurance policy if their life has been better and easier as a result.

On this note, here at CEG LIFE, we have hired a new Social Media Manager, Alivia Burnham, to keep our social media pages (Facebook, Twitter, Linkedin) fresh and up to date. Thankfully, she is not going to be continuously posting about life insurance. Rather, she will be posting about what she (and we) enjoys about life. After all, that is really what social media and life insurance is about, making it possible to enjoy life a little more than we otherwise might without these things.

Become a fan on Facebook, follow us on Twitter, or connect to us on Linkedin. By doing so you not only will get to enjoy our updates, you will also be helping Alivia to continue to pay her way through college (she gets a financial bonus for each new follower of CEG LIFE).

Worry less. Enjoy life more. CEG LIFE.

While we are not yet one of the top names on the web where people go to look for life insurance, we hope to continue to build upon the success we have had and the good word of mouth we have received. Nevertheless, we know that a good logo helps. Hence, we are proud to introduce our new logo with the intent that the more it is seen the more people will recognize who we are, what we do, and the great service we provide.

Of course, what is a new logo without a new website? Stay tuned, as we will also be unveiling our new website soon. However, our website will not be just another pretty face on the internet; it will also be easier to use and more focused on providing the life insurance services you want.

As we continue to look for ways to better provide life insurance services directly to you via the internet, we hope that whenever you need to research, review, or buy life insurance you will remember CEG LIFE – Life Insurance Made Easy.

It has been said that, “Love is not so much a matter of romance as it is a matter of anxious concern for the well-being of one’s companion.”

While Valentine’s Day is perhaps the most romantic day of the year, filled with gifts of chocolates, flowers, and candlelight dinners, there is much more to love than simply romance. This is not to suggest that romance is not important; however, true love has an equal, if not greater, amount of care and concern.

Hence, while gifts such as flowers and chocolates certainly have their place, and can be an expression of love, the day to day caring and concern for each other creates the longest-lasting and most enduring expression of love.

While life insurance, in and of itself, does not seem romantic at all, the purchase of life insurance is an expression of enduring love—something that shows abiding concern for the well-being of your companion, children, or others you care about. It shows that you will continue to care for them, continue to love them, even if you are no longer physically present to do so.

How easy is it to apply for life insurance? A lot easier than you think. In fact, we have made it so easy that you can literally pull out your smartphone wherever you are, and get an instant price quote and apply online for life insurance in less than 10 minutes.

Our website is designed to work not only on a desktop or laptop computer, but also tablet computers and smartphones. Are you sitting in a waiting room at your doctor’s or dentist’s office? Apply for life insurance! Riding a bus to work? Apply for life insurance! Stuck in a boring meeting? Apply for life insurance! Out on a date with your spouse (and he or she is in the bathroom)? Apply for life insurance!

Finally, with a few spare minutes and a smartphone, you can get done what you have been meaning to do but never got around to. So, next time you have a couple extra minutes, pull out your smartphone and apply for life insurance!

Most of the applications that come through our website are for term life insurance. Of course, this is not surprising as term life insurance usually provides the most life insurance coverage for the lowest cost—which is a pretty important factor when purchasing life insurance.

However, there are times when a life insurance product other than term life insurance is needed or desired. Perhaps you are looking for life insurance that provides guaranteed lifetime coverage, or a policy that will return all of your money back if you don’t end up needing it by the end of the term period. Either way, we got you covered!

Did you know that in addition to term life insurance, we also offer return of premium term life insurance, where all of your paid premiums are returned to you at the end of the term, if the policy isn’t collected on? We also offer no-lapse universal life insurance, which guarantees life insurance coverage up until age 121, as long as the pre-established premium is paid. Additionally, both of these kinds of policies are offered by a number of our life insurance carriers for which you can run instant price quotes on our website, so you can see for yourself which company will give you the best deal. And, the application process is still entirely online (except for the complimentary mini-medical exam)!

So, whether you are looking for a standard term life insurance policy, a return of premium life insurance policy or a no-lapse universal life insurance policy, visit our website for an instant price quote and an online application process—no meeting with an agent is necessary!

This is life insurance…made easy.