NextGen Team

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NextGen Life Insurance is a nationwide, independent agency that represents over 60 top A-rated life insurance companies on the market. We have no bias towards any particular company and do the shopping on behalf of our clients. At NextGen you can be sure that you are getting the best rate, with the best company, that fits your needs specifically. We never take the cookie cutter approach to buying life insurance.

How Much is Life Insurance After You Have Quit Smoking?

When shopping around for life insurance, it helps to compare policies and rates across many different companies. However, if you are a smoker, no matter where you shop, your premiums will always be much higher than a nonsmoker. But, what if you have quit recently? Can you qualify for non-smoking rates? The short answer is…

What are the Components of a Life Insurance Policy?

Because life insurance is such a valuable asset, you need to make sure that you’re getting the best policy for you and your loved ones. However, before making a final decision, it’s crucial to understand the various components that may be included. Regardless of the type of coverage you’re looking for, knowing what is inside…

What Happens When a Life Insurance Policy is Backdated?

Although life insurance is often considered a valuable asset, many individuals are mostly concerned with a policy’s cost. One of the best ways to mitigate this expense is to shop around between different companies so that you can be sure you’re getting the right coverage at the best price. One possible way to save money,…

What is an Insurable Interest?

If you have assets, like a home or a car, it’s important that you have insurance just in case anything were to ever happen. Although states require owners to cover these items, having an insurance policy is always a smart move. Why? Because it can protect you financially if something were to happen to the…

Finding a Quality Mortgage Protection Insurance Company

Finding a quality Mortgage Protection Insurance Company for you and your family can be difficult. Learn about coverage options here! Life can be so uncertain. We never really know what tomorrow might bring, or even what things might look like five minutes from now. And that can make planning for the future difficult. The financial…

What is Accidental Death and Dismemberment Insurance?

Sometimes accidents happen that can have terrible consequences. And while no one likes to dwell on the “what ifs”, we still need to be prepared for whatever life throws at us. You never want to be caught unprepared in the event of a catastrophe. If you want a little bit of added security for yourself…

The Pros and Cons of Overfunding Life Insurance

Curious about the pros and cons of overfunding life insurance policies? We’ve got you covered. Learn more here! When most people think of life insurance, they are only thinking of the peace of mind it can bring to their loved ones, knowing they are taken care of after they’re gone. However, life insurance can actually…

How Does the Life Insurance Underwriting Process Work?

When choosing a policy, it helps to understand what determines your rates. Discover how does the life insurance underwriting process work. How Does the Life Insurance Underwriting Process Work Exactly? If you’re new to life insurance, it can seem a bit overwhelming at first. With so many companies and plans available, it can be difficult…

What is a Limited Pay Life Insurance Policy?

When shopping for life insurance, one of the most pressing concerns is the duration of your coverage. For some individuals, term insurance can provide peace of mind for a specific period, such as 10 or 20 years. However, for others, whole life insurance is a better alternative because it offers permanent protection for life. Unfortunately,…