Alan Gudis, Life Insurance Agent
Alan Gudis
BGA Insurance Group
Life Insurance Agent Licensed in NJ
Contact Details
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Location
Pennsauken, NJ
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Website
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LinkedIn
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Alan Can Help With:
About Me
Hello, I'm Alan, your neighborhood life insurance advisor. Protecting loved ones is one of life's most important decisions, and I specialize in finding plans that fit your needs and your budget. Let me handle the research while you focus on what matters most — your family.
Q&A with Alan Gudis
How does a no-exam life insurance policy compare to a fully underwritten one?
Answer: No‑exam = faster, easier, more expensive, lower face amounts.
Fully underwritten = slower, more invasive, cheaper, higher face amounts.
How can I lower my life insurance premiums?
Answer: If any of your risk factors have gone away or gotten better (quit smoking, lost weight, lowered cholesterol/blood pressure), then there is a good chance you can get re-rated.
How do I calculate the death benefit I should choose?
Answer: A Simple Formula (DIME Method)
Add up:
Debt: Credit cards, personal loans, car loans, etc.
Income Replacement: How many years of income your family would need.
Mortgage: Remaining mortgage balance.
Education: Future college or education expenses for children.
Then subtract:
Savings and investments
Existing life insurance coverage
Other assets your family could access