Be informed, with DMR Insurance Brokerage
You and your family are our first priority.
Be informed, with DMR Insurance Brokerage
You and your family are our first priority.
General Health Insurance Providers
Aetna
United Healthcare
United Healthcare
Aetna Health Insurance policies for Individuals & groups are:
- Medical (normal health insurance)
- Dental
- Vision
- Pharmacy
- Mental Health
- Aetna Student Health
- Aetna Supplemental health plans
Rates are based on; County, Age, & Plan.
United Healthcare
United Healthcare
United Healthcare
United Healthcare Insurance policies for individuals & groups are:
- Medical (normal health insurance)
- Dental
- Vision
Rates are based on Age & Plan.
Cigna
United Healthcare
Cigna
Cigna Healthcare Insurance policies for individuals & groups are:
- Medical (normal health insurance)
- Dental
Rates are based on Age & Plan.
Do you want to shop the available Cigna plans on your own?: https://shopifp.cigna.com/?_agent_id=dallin-rheiner
About DMR Insurance
Small time, but here for you.
- DMR Insurance is currently owned and operated by just myself Dallin Rheiner, out of my home in Sanford NC. I hope to expand in the future. But as of now, it is just me, my three cats and my dog, to help you in your insurance search.
- I have a Bachelors in Finance from Western Carolina University
- In high school I had considered being a nurse as I enjoy helping others, but life lead me in the corporate direction.
- This business is my effort to head back into the right direction with the skills I have gained.
- Frankly I'm a numbers guy, not a Salesman. Also I made this website. (its a work in progress)
- NC Insurance producer license Number: 21333697
General Life Insurance Policy Information
Term Life Insurance
Whole Life insurance
Whole Life insurance
The most basic form of life insurance. Choose a total amount of coverage and a time frame to be protected. ex: $100,000 of coverage will be paid to your loved ones in the event of your passing ONLY for 10 years.
Whole Life insurance
Whole Life insurance
Whole Life insurance
A life insurance option without the time constraints. A simple solution, ex: $100,000 of coverage will be paid to your loved ones in the event of your passing, for life.
Living Promise Insurance
Living Promise Insurance
Living Promise Insurance
In straight forward words: a "death benefit policy". In the event of your passing this will be paid out to your chosen beneficiary. These policies are available for older individuals (up to 85) with a much smaller total pay out limit. (up to $100,000 in most cases)
Universal Life Insurance
Living Promise Insurance
Living Promise Insurance
These policies are Whole Life plans that are more complex and varied but with more benefits.
Life Insurance "Simple" Table
This section, hopefully, will give you a better idea of the costs for life insurance
The table on the right shows the monthly payments for a 10 year term life insurance policy at $100,000 for a Male at the standard health class, non smoking.
The insurance companies displayed; from left to right, are "Legal & General, Foresters Financial, SBLI, Mutual of Omaha, and American Amicable".
Term life insurance is, in most cases, the cheapest form of life insurance with the shortest coverage periods available. Term life insurance also has the highest payout limit (1.5 million in the case of L&G)
The cost for life insurance is determined by: AGE, Gender, Policy Amount, length of policy, and health class.
The most impactful of the above on costs are, age & policy amount. As an example; with the same 10 year policy on the right, if the policy amount is $50,000 the monthly payment for a 45 year old male with MOO goes down to $22.38 a month.
These payments would be level (as in they wont change throughout the policy) this table shows what it costs at the age you APPLY.
For example; if you are 65 and get the policy on the right for L&G you will pay $343.98 each month until you are 75 and will have $100,000 of life insurance during that time.
This same policy for a woman is significantly cheaper age at 65:
L&G Foresters SBLI MOO AA
$216.87 $132.56 $138.82 $133.95 $80.28
An example of a Whole life policy at $100,000 would be a universal indexed life through Mutual of Omaha, which for a 45 year old standard non smoking male, would be quoted for $88.89 a month.
Health Classes
There are three main health classes in Health + life insurance underwriting which also have in-between levels:
Preferred Plus: The healthiest 5% of people in the world.
Preferred Health: Well balanced height and weight, some family history with health issues and maybe one issue that is treatable with medication (ex: controlled cholesterol)
Preferred Health-Smoking
Standard plus
Standard: height and weight do not meet guidelines of the insurance company, you are of average health and may take multiple medications.
Standard-Smoking
non-preferred plus
Non-Preferred: a severe medical problem such as lung cancer in addition to the "standard" these individuals tend to be unable to apply for normal life insurance. But they can still apply for Medicare, Medicaid and long term care plans.