About Us
About BeamaLife
BeamaLife Corporation is a fast-growing online life insurance firm that is committed to taking traditional life insurance sales by local agents to online world. BeamaLife helps the average American find the best and most affordable life insurance policies by researching top 100 life insurance companies through our advanced technology and systems. BeamaLife also allows rich Americans, successful physicians, professionals and business owners create substantial wealth and save thousands of dollars in their income and estate tax liabilities. BeamaLife strives every day to become the “Google of Life Insurance” (a vertical life insurance research engine) so fellow Americans can find the most credible and logical life insurance and financial planning information.
Why Choose BeamaLife?
There are over 20 different types of life insurance programs, over 50 different uses for life insurance and more than 1,500 life insurance companies. Our goal at BeamaLife is to provide American families with the information they need to make educated decisions about life insurance – decisions that provide them security, safety, fulfillment of their dreams and the peace of mind. Life insurance is one of those decisions you have to make it right at very first time as with time your health, age and life insurance rates change.
At Beamalife we use a combination of the traditional needs-based and Human Life Value approaches to finding the most appropriate amount and kind of life insurance for our clients. Life insurance is not a “one size fits all” or a cookie-cutter product. As such, it would be impractical to purchase it that way. Even worse, it would be a disservice or negligent to sell it that way. Knowing this, we are unlike other quote, quote driven companies -rather human life value and budget conscience driven. Below are just a few key benefits you’ll get when working with us.
- Accurate, up-to-date instant information
- Comparison of 100 highly stable and trusted life insurance companies
- 24-hour access to help – No voicemails
- Sophisticated Financial Planning brought to main-street
- Access to variety of life insurance products and financial solution – term life insurance, whole life insurance, universal life insurance, survivorship life insurance, disability insurance, long term care insurance, college savings and financial aid planning, retirement and pension planning, asset protection and estate planning
- lowest premium guarantee
- Unbiased expert advice by our highly trained and experience advisors
- No sales pressure experience – We’ll provide advice and options, you will make a decision.
As soon as a client comes in contact with one of our advisors; they will experience the comfort and peace of mind knowing they are in good hands. Our advisors go through a tough screening process before they are considered for the position. After rigorous state licensing requirements, our advisors go through an intensive 8 weeks financial planning and life insurance training course and a regular weekly workshop lasting at least 6 hours. Our advisors understand that every clients needs are different and you have only one opportunity to make a right protection and financial decision. Some of the backgrounds of our advisors include banking, money managers, CPA’s, attorneys, Estate Planners and Certified Financial Planners – some of which have been in the industry over 30 years.
Our process
Once the potential client and the advisor have identified the needs and problems the advisor develops the best solution for the client. The advisors hold the client by the hand from start to finish. We set up the medical examination, complete life insurance applications and the insurance carrier packets and submit it to the appropriate life insurance company. Most people are not aware of the high decline rate of Life Insurance applications. Our in-house processors and advisors are directly plugged in to the insurance companies risk underwriting guidelines and specific requirements. As such our staff is seasoned and trained to increase your chances of an Approval and best possible underwriting class by savings you thousands of dollars in future life insurance premium. Typically, the underwriting process for an insurance company to approve your life insurance policy is 4-8 weeks. Because of our experience and sophisticated technology, we have been able to reduce our average approvals to 2-4 weeks. This provides our clients the peace of mind that they can obtain coverage faster than most companies can offer.
Our History
BeamaLife was founded by successful Certified Financial Planner, Neil Jesani in 2007. Mr. Jesani is a visionary and a proponent of the education of life insurance. Understanding the complexities and the myths about life insurance, Neil Jesani has assumed the role of educator to all American families on the importance of permanent life insurance, especially whole life insurance and its impact of the well-being of our next generation. Mr. Jesani recognized the underserved markets in America and the disconnect between Generations X and Y and the life insurance companies. As such he realized that the best place to convey his message of financial freedom and other financial planning concepts to mainstream was the internet. Through the internet, Neil Jesani decided to use the online market place as the medium to voice to ALL Americans the financial concepts and benefits of life insurance planning.
48 million U.S. households are saying they “do not have enough life insurance.” 75% of those say they did not obtain more coverage due to an overwhelming confusion of how much to get and how to obtain it. Since its inception, BeamaLife has educated and helped thousands and thousands of families obtain proper life insurance coverage for their families. BeamaLife would like to be the Ambassador of life insurance industry to reflect the knowledge, value and integrity of life insurance community. More importantly, Beamalife will set the standard to insure every working American to their fullest HUMAN LIFE VALUE and SIMPLIFY the purchase of life insurance products in most ethical manner. Currently, BeamaLife is a privately held, rapidly growing and professionally managed by the best of the best in the industry. We are leading the evolution of the life insurance industry into the e-commerce environment.
