Philippe Deray

Philippe Deray has been in the business of insurance for the past 20+ years. His specialty is life insurance, critical illness insurance and insurance for people with past or present health issues. Other areas of expertise include senior insurance plans, SBA Loans Life insurance and mortgage insurance.

As it is not always easy to locate the right policy at the right price, Philippe Deray does not stop at just a low rate quote. If the plan is not as desired by the client, Mr. Deray will keep looking for the best plan and best outcome.

In his many years of experience in the life insurance business, Mr. Deray has encountered many cases where the health of the client has not been the best. In light of that, Mr. Deray has developed a keen interest and strong knowledge of health and nutrition. Mostly through self education, Mr. Deray has helped others make better decisions on diet and behavior and thus has helped them not only recover but also prevent further medical issues. Mr. Deray, strongly believes that it is never too late to change your eating and behavioral habits and improve your general body and mental health - which are ultimately connected.
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Education/Experience

Bachelor of Science

Interests

insurance advisor, nutrition and health advisor

Motto

Life insurance just in case...long life and good health as the goal!

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MCD Life, MCD Companies

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Displaying Results 1 - 59 (of 59) for All Content
  • Income Annuities Can Be a Great Alternative to Some Equities
    5/21/2012
    As a senior, one the biggest fear (besides bad heath and death) is running out of retirement money. Of course there are many plans available that offer income, but few offer guarantees like income annuities do.
  • Is it OK for a Senior to Apply for More Than 1 Life Insurance Plan at the Same Time?
    3/28/2012
    There can be many reasons why a senior may need to apply to more than one insurance company at the same time. Reasons are numerous and often good, but is it OK to do that? Can it result in more declines or penalties? Read on...
  • What is an Income Annuity?
    12/27/2011
    Income annuities are, unfortunately, often misunderstood. Or maybe they are just poorly explained. I will try to give them justice and give you some basic ideas. Hopefully also give you a good sense of how important these can be to a portfolio.
  • Reasons to Not Borrow Against Your Life Insurance Policy
    12/8/2011
    Particularly in times of economic downturn, it may be tempting to think of a cash value life insurance as a primary place to borrow money. There are good reasons not to...
  • Life Insurance for a Father or Mother
    11/7/2011
    Getting life insurance for a father or mother is not so complicated. But certain steps need to be taken to keep things smooth between you and your parent while at the same time keeping them legal.
  • How to Apply for Simplified Issue Term Life Insurance
    11/6/2011
    Simplified life insurance is popular with individuals ages 0 to 100! It would seem that how to apply for this kind of life insurance should be, well...simple! Unfortunately, they are so many plans, options and.... available that it is not that simple.
  • Reasons to Not Borrow Against Your Life Insurance Policy
    8/22/2011
    Perticularly in times of economic downturn, it may be tempting to think of a cash value life insurance as a primary place to borrow money. After all, it is your own money you are borrowing agains and interest rate is usually very reasonable. Read on...
  • Annuities - Good or Bad?
    8/19/2011
    I am sure you have heard it from your mother, "eat you vegetables...they are good for you!" You set there looking at the green stuff and was not "good". Good is not just a matter of perspective, but more importantly, a matter of knowledge.
  • Retirement Planning - Are Annuities a Good Investment?
    8/16/2011
    First of all, to stay within the rules, as far as we understand, annuities cannot be called an investment. They are an insurance product. Now that this has been clarified, can you grow your money with an annuity and is it a good idea? Read on!
  • No Medical Exam Life Insurance for Seniors
    8/16/2011
    It has become very popular for seniors to apply for life insurance using the simplest way available. Seniors have no interest in going through a complicated process. That may be why children choose no exam life insurance when needing to insure a parent.
  • Which Term Life Insurance Plan is Best?
    8/16/2011
    It would seem that, since term life insurance is the simplest form of life insurance, there should be almost no questions about it. Yet, many people are still puzzled as to which term plan is best.
  • No Exam Life Insurance VS Exam Required Life Insurance
    5/17/2011
    We have had 1000s of request for no exam life insurance. Very often, it seems, it is from people who want a quick answer or do not want to take a chance on an exam. Many also believe that it is easier to qualify for no exam life insurance. Read on!
  • Life Insurance Assignment Forms for SBA Loans and Business Loans
    5/17/2011
    We have yet to meet to one business owner who realizes that the SBA requires an assignment form when applying for a life insurance. Yet, neglecting to get the assignment forms can greatly postpone a loan closing or worse, void the loan.
  • Lender's Mortgage Life Insurance, is it a Good Choice? Rarely!
    5/17/2011
    We have run into many situations where people were offered or literally pushed into mortgage life insurance by a lender and found out later that it may not have been what they expected. Too often it was too late to make any changes or find better options.
  • No Exam Life Insurance VS Exam Required Life Insurance
    4/12/2011
    We have had 1000s of request for no exam life insurance. Very often it is from people who want a quick answer or do not want to take a chance on an exam. Many, also wrongly believe that it is easier to qualify for no exam life insurance.
  • Jobs for Under Age Teens. Where Are They?
    2/8/2011
    Are you a teen looking for a job? So am I. Here, I've written down progress on my own search and some advice for anyone who might be new to this. Newer than me, anyway.
  • Mortgage Life Insurance, What is It?
    2/1/2011
    Mortgage life insurance is one of the most popular life insurance plan. With popularity comes multiple options and with that, sometimes, confusion. If you know what your needs are, it does not have to be so complicated. Read on...
  • Selecting the Best Mortgage Life Insurance Plan?
    2/1/2011
    Selecting the right mortgage life insurance plan would seem very simple. You get your loan, the lender includes the insurance into your loan payments. Approval is fast and easy. Now you are all set. Not really! Read on...
  • How to Find the Least Expensive Life Insurance Plan
    1/31/2011
    We all want the least expensive rates on life insurance. It seems that it would be so simple. You go online, enter your age and some other information and there they are - the lowest rates on life insurance. Except getting the quotes is the easy part.
  • Disability Insurance - What is Considered a Total Disability?
    1/31/2011
    It seems that this question should be answered simply. If you are totally disabled and enabled to do any work, then you qualify for disability benefits. It is not that straight forward and that is actually good for you. Read on...
  • Life Insurance Payout - How Long Should You Expect to Wait Before Receiving a Check?
    1/30/2011
    When loosing a loved one, the last thing we want to worry about is money. In light of that, most people are concerned about the amount of time it takes before a life insurance claim gets paid. Several factors may affect the speed at which a claim is paid.
  • What Are Annuities and How Do They Work?
    1/27/2011
    Annuities are, probably, one of the most misunderstood and underrepresented investment option available. Although not for everyone, they can serve an important part of people's portfolio - particularly individuals over the age of 50.
  • Can You Get Life Insurance If You'Re Over 80?
    1/27/2011
    Being over 80 does not have to mean that life insurance is not available or too expensive for your budget. It may take a bit more work to secure a good policy, but the extra effort may be well worth it.
  • Life Insurance - is Suicide Covered?
    1/24/2011
    As with most life insurance policies, certain exclusions are included automatically. Some of these exclusions are permanent and some are temporary. The suicide exclusion is usually temporary and is included with all policies. Is suicide ever covered?
  • Medical Insurance - What to Do If You Lose Your Job
    1/23/2011
    As if it was not bad enough that you lost your job, you have just been informed that you need to find your own medical insurance. Are there options? What are your rights? What if you have pre-existing health conditions?
  • You Don't Need Life Insurance
    1/20/2011
    Yes, it is true, irregardless of what others may have told you, it is very possible that you do not need life insurance. Don't take the title of this article or the reasons given below as a license to be irresponsible.
  • Best Life Insurance Without a Medical Exam
    1/19/2011
    We are all looking for the best possible life insurance rates. When it comes to no exam life insurance, our goal is no different. That is, we want to get the most for our money and get the coverage approved as fast as possible too.
  • Do You Need to Pass a Physical to Be Granted Life Insurance?
    1/18/2011
    Irregardless of which type of life insurance you want (term life or cash value life), do you have to take an exam to get life insurance? Does it make a difference?
  • Stinkbugs: A Prejudice?
    1/17/2011
    The good news is, in the summer it'll eat a lot of garden pests. The bad news is, in the winter it'll come in through the cracks of your house looking for warmth. Not eat your house, or your food, or your clothes, but enjoy some warmth.
  • How Preexisting Conditions Affect Your Possibility of Getting Life Insurance
    1/16/2011
    Having a medical condition is very likely to affect your chances of getting the lowest rates on life insurance or may even make it impossible to get any life insurance at all. Why do insurance companies care about your health?
  • Converting Term Life Insurance to Permanent Insurance
    1/16/2011
    It seems that most people, when buying term life insurance, are either not aware or do not care about a very important option term life insurance plans offer for free - convertibility. Overlooking this benefit can be a great mistake.
  • Life Insurance for Diabetics - Get the Best Possible Rates!
    1/12/2011
    Being a diabetics does not have to mean being declined or paying very high rates. By following simple guidelines, you may be able to increase your chances of getting approved at good rates. And we are not talking about magic! Read on...
  • Choosing a Beneficiary with Life Insurance
    1/11/2011
    When looking for life insurance it seems that most people focus on face amount amount and rates. Unfortunately, one the most important decision of life insurance is often very neglected, selecting a beneficiary.
  • Life Insurance for Parents
    1/5/2011
    As parents are living longer and in better health than ever before, life insurance is not always on their mind. Or enough life insurance is not always what they have. Which plans are best?
  • Life Insurance for Seniors Over 70
    1/4/2011
    With people living longer, the insurance industry has made available more plans for seniors over 70. Although having many more choices is not always a blessing. Which plan to select?
  • Life Insurance for Children, Why Buy It? Why Not?
    12/30/2010
    When it comes to your children, the last thing we may want to think about is their early demise. But life insurance for children is not just about covering the possibility that a child will pass away at an early age.
  • Burial Life Insurance
    12/30/2010
    Burial life insurance does not seem a priority, until a parent dies and what was no big deal becomes a big headache. Now survivors need to be concerned with expenses for a parent who past away. These headaches could have been averted with life insurance.
  • Bad Health History Does Not Mean an Automatic Decline for Life Insurance!
    12/27/2010
    If your health history is not so perfect or considered really bad, it is imperative that you choose the right company or broker to locate the best plan for your life insurance needs. Just applying and hoping that a company will accept you is a mistake.
  • 10 Year Term Life Insurance
    12/27/2010
    When it comes to term life insurance, 10 year term life insurance is by far the most popular. One main reason seems to be price. If misunderstood or selected for the wrong reason. it can lead to major problems later.
  • Mortgage Disability Insurance - Which Plan is Best?
    12/24/2010
    When it comes to a home, most people will do almost anything to keep it. When it comes to making sure that, at a time of disability, you do not loose your precious, it seems that most people select the wrong "mortgage" disability insurance coverage!
  • No Exam Term Life Insurance
    12/24/2010
    By far one of the most popular no exam life insurance is no exam term life insurance. From our own experience, it seems, that the main reason is price. Which plan is best?
  • What is Long Term Disability Insurance
    12/22/2010
    When you think of long term disability insurance, you may know nothing about these plans, know little or worse, think you know what it means.
  • Over 50 Life Insurance Plans
    12/19/2010
    Over 50 does not have to mean high rates for life insurance. Today more than ever, with people living longer, life insurance rates are at an all time low. Does that mean that you can just go online, get a quote and that is it? Not necessarily.
  • Life Insurance for the Elderly: Is it Expensive? is it Needed?
    12/19/2010
    As people get older, it seems that it can become less affordable to buy life insurance. The question is, should they buy it anyway? Is it really needed? What is considered too expensive? Can an elderly individual even get life insurance?
  • No Exam Disability Insurance is Easy to Apply for and Easy to Get!
    12/18/2010
    Disability insurance has always been a bit more difficult to acquire than other insurances such as life insurance. With new plans that do not require an exam, disability insurance can now be had with no exam and simpler underwriting.
  • SBA Loans and Life Insurance
    12/18/2010
    You have done all the work to get your SBA Loan all in place and now the lender wants you to collateralize the loan with a life insurance policy. What's next? Should you use your present policy? Should you get a new one?
  • Physicians Disability Insurance - Which Riders Are Important?
    12/16/2010
    As a physician, you may have decided that having disability insurance is of critical importance. You are ready to apply for the highest amount of coverage available at the best possible rate. Unfortunately, the amount of coverage is just a beginning.
  • Applying Online for No Exam Life Insurance
    12/14/2010
    With so many choices on no exam life insurance, one sure popular choice is online quotes and application. Although it is extremely convenient, is it really for everyone to do? What happens if you get declined? Is the company you select the best choice?
  • The Many Options of No Medical Exam Life Insurance. What is Best?
    12/12/2010
    You have decided that you want to go for no medical exam life insurance, you are offered many options, now what? Should you go for the cheapest? Should you go for fastest? Should you go for simplest? Should you apply to all companies? Medical issues OK?
  • Life Insurance for Police Officers and Other Law Enforcement Individuals
    12/12/2010
    Without police officers and other law enforcement individuals, unfortunately, their would be chaos (God forbid!). Police officers also know that with duty comes risk. That is where life insurance becomes important.
  • Life Insurance You Can Borrow From
    12/8/2010
    When it comes to cash value life insurance and being able to borrow from a policy, most people think of whole life insurance. Actually, in most situations, plans such as flexible universal life or indexed life or variable life are better choices.
  • Life Insurance as an Investment? Yes, No, Yes, No!
    12/2/2010
    Some agents may be really excited about using life insurance as an investment. They may have all sorts of reasons and proposals and proof that life insurance, particularly whole life and universal life, is what you need. The question is, is it?
  • I Need Life Insurance, I Use Tobacco but Do Not Smoke, Does it Make a Difference?
    12/1/2010
    Good question, isn't it? I mean who would have thought that there could be a difference between cigarette smokers and say...cigar smokers? Well, when it comes to life insurance, there is! Read on...
  • Smokers' Life Insurance. Is There Such a Thing?
    12/1/2010
    It seems that irregardless of how healthy you are, if you are a smoker, life insurance cost can be as much as three times the cost of a non-smoker life insurance. The question is, why should you pay more if you are healthy?
  • Taking Confusion Out of Health Insurance. Which Plan is Best?
    12/1/2010
    Untangling health insurance would probably create a whole new set of knots but we certainly can, at least, untangle the basics. Should you select short term or long term medical insurance?
  • When to Take Out a Life Insurance Policy?
    12/1/2010
    Taking out life insurance at the right time!!?? When is the right time? Well, the answer depends upon how you feel about protecting your family, your assets, your business...
  • You Already Have Enough Life Insurance! How Much Can One Need?
    12/1/2010
    I once heard someone say "the insurance companies just want to sell you an endless amount of life insurance to make more money!". The truth is, insurance companies decide on how much life insurance to offer using very strict guidelines.
  • Mortgage Life Insurance or Life Insurance, What Is the Difference?
    11/23/2010
    In trying to decide whether you should get life insurance or mortgage life insurance, it seems that the more you ask and the more confusing it may get. Which plan should you get? Does it really make a difference?
  • Why Is It So Hard to Get This Life Insurance?
    11/23/2010
    Why is it that diabetics sometimes have such a hard time getting life insurance? It is not that the insurance companies are not interested but rather that diabetes is not just one simple, single issue. Read on.

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