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Genius - Life Is Life

"Max Lugavere is one of the most thoughtful and intelligent people I know. He takes his research seriously and is driven by a sincere desire to discover the truths that lead to a joyful and optimized life. When he talks I listen."

Genius - Life is life

Your health plays a crucial role in determining your life insurance rates. Serious health conditions can lead to high rates or denied coverage, while milder conditions may only have a small impact on the cost of your premiums. If you have a pre-existing health condition, speaking with an independent broker can help make sure you get the best rates.

At Policygenius, our sample rates are based on internal actuarial rate tables for life insurance companies that offer policies through the Policygenius marketplace. Our life insurance prices represent the average monthly life insurance premium for each sample customer profile (age, gender) and policy type (term or whole, and coverage amount) as of the date reflected on each table's methodology. Rates for those products may vary by state, and not all products are available in all states. Individual rates may vary, depending on age, gender, state, health profile, and other eligibility criteria.

At Policygenius you can compare multiple life insurance quotes online and for free. Policygenius is an independent broker that works with more than 10 different insurance companies, including many top insurers on the market.

Anyone who has dependents that rely on their income should consider getting life insurance, regardless of age. The best age to buy life insurance, however, is when you're young and in good health. This will allow you to lock in the cheapest rates for the duration of your policy even if you still don't have dependents or financial obligations to cover in your absence.

The author of the New York Times bestselling Genius Foods offers a lifestyle program for resetting your brain and body to their "factory settings"--to help fight fatigue, anxiety, and depression and to optimize cognitive health for a longer and healthier life.The human body was honed under conditions that no longer exist. The modern world has changed dramatically since our days as hunter gatherers, and it has caused widespread anxiety, stress, and disease, leaving our brains in despair. But science proves that the body and brain can be healed with the intervention of lifestyle protocols that help us to regain our cognitive birthright.

In The Genius Life, Lugavere expands the Genius Foods plan, which focused on nutrition and how it affects brain health, and expands it to encompass a full lifestyle protocol. We know now that the health of our brains--including our cognitive function and emotional wellness--depend on the health of our gut, endocrine, cardiac and nervous systems as there is a constant feedback loop between all systems. Drawing on globe-spanning research into circadian biology, psychology, dementia prevention, cognitive optimization, and exercise physiology, The Genius Life shows how to integrate healthy choices in all aspects of our daily routines: eating, exercising, sleeping, detoxing, and more to create a healthy foundation for optimal cognitive health and performance. Among Max's groundbreaking findings, you will discover:

A life cycle is a series of stages a living thing goes through during its life. All plants and animals go through life cycles. It is helpful to use diagrams to show the stages, which often include starting as a seed, egg, or live birth, then growing up and reproducing. Life cycles repeat again and again.

All plants and animals go through life cycles. Just think about all the growing and changing human children do as they grow up. Children grow in height and get heavier until they reach adulthood. Children also change as their body matures.

Animals begin life either from an egg or as a baby that is born ready for life. Baby animals grow and change into adolescents and eventually become adults. Adult animals look for a mate to begin the life cycle all over again with new babies. Each type of animal has their own unique life cycle.

Some living things go through their life cycle quickly, like male drone ants that live for only three weeks. Other living things have much longer life cycles, like some types of pine trees that can live for over 5,000 years!

All life cycles have a few things in common: they start with seeds, eggs, or live birth, then involve multiple steps including reproduction, and then they end in death. The cycle repeats for millions of years.

Policygenius Life Insurance provides a learning center, clear recommendations, helpful tools and top-rated agents. Policygenius connects customers with life insurance providers who may require a medical exam.

Policygenius partners with vetted life insurance companies that have a reputation for excellent customer service, long-term financial stability and competitive price scales. These life insurance providers include:

Customers shopping for term- and whole-life insurance on Policygenius can choose coverage limits between $5,000 and $10 million.. The company's partners offer whole-life insurance and term-life insurance with lengths between 10 and 40 years.

Though whole life insurance is an option, Policygenius recommends most young, healthy individuals choose a term length based on the length of their financial responsibility. In other words, an adult with young children or a 20-year mortgage is only financially responsible for those for about 20 or 25 years and should choose a 25-year term.

Policygenius also recommends a coverage amount around 10 times a person's yearly income. For example, an adult with young children, a mortgage and an income of $50,000 should consider a policy that pays out $500,000.

Policygenius Life Insurance is perfect for those who want a life insurance policy they can understand and afford. The Life Insurance Learning Center helps customers understand terminology and options so they can make an informed choice. Policygenius' tools allow most customers to calculate their needs in seconds, and the company has agents available by online chat, phone or email to answer any further questions.

The estimated rates I was quoted before I applied for life insurance were not even close to the premium on the policy I was eventually offered. My policy premium was three times as much as they estimated. The underwriting process took literally months. This was a complete waste of time and I would never use them again.

I called in to obtain some information on life insurance for my wife who has diabetes. Agent was not properly trained and provided false information to us. Very disappointed to see them try and trick us with fake quotes. This means in reality, the real cost of life insurance would be 3 to 4 times higher than what they quoted me.

Thank you for bringing your concerns to our attention. I am sorry we did not meet your expectations. Obtaining quotes with Policygenius includes a brief phone call so a licensed agent can communicate the life insurance options available to you, and initiate an application for you if you wish. I apologize for the confusion for our phone number coming up as spam. That is something we are working to rectify so that our number is clearly labelled as Policygenius, but unfortunately with some carriers our number is not clearly labelled. Verifying date of birth and zip-code is a standard part of our process to make sure we are speaking with the customer who submitted the online inquiry. However, if you expressed concerns with providing information to an unknown number, the licensed agent should have offered to provide you with our phone number so you could call us back. I want to apologize if this did not occur. Our phone number is 855-695-2255 which is listed at the bottom of our website,

Thank you for your feedback Joel. I want to apologize for the poor experience you had with us. This is not the level of customer service we strive for at Policygenius. If you are willing to provide some additional information I can look into this in more detail for you. I can be contacted at 646-240-4832 if you are open to discussing by phone.

I tried to apply for a life insurance policy, but due to straight-up discrimination, my application was never even submitted. One of the steps is to talk with an agent and go through your medical history. I called and spoke to my agent and we went through a brief questionnaire. During our conversation, I revealed I was on the autism spectrum. He had an audible reaction to this and then asked me "how I experience autism". I gave a brief overview of my symptoms and explained that it doesn't negatively impact my life or my health.

He said he wasn't sure if he could submit me for life insurance. He would talk to the underwriters and get back to me. Weeks went by and I never received any updates. So I called in to check the status of my application only to learn they had never submitted it at all. I am perfectly healthy and never in a million years would have expected my diagnosis of "traits common to Aspergers" to change my ability to receive service from an insurance aggregator. This is plain out discrimination.

The people at Policy Genius are typically very helpful and kind, so that end of the company is wonderful (and their website is pretty great too). But, the sheer amount of hoops you have to jump through for some of the recommended carriers is insane. I started an application for life insurance to replace an existing policy three months ago, and they still need more information. I'm a generally healthy younger person, and the last experience I had with life insurance took less than a month total. I don't know if it is just a lack of experience on the recommended carrier's end, but unfortunately I can't recommend Policy Genius, as they were the company that recommended them. 041b061a72


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