Daniel Insurance Agency, LLC
Welcome, Daniel Agency Clients. Your Coverage Just Got a Bigger Toolbox.
Alan Daniel has been protecting families since 1984, more than 42 years in the business. Daniel Insurance Agency is now powered by ApplyForLife. The same agents you know, the same 100+ carriers, and a faster way to shop the market for the lowest rate.
No obligation. Nothing to sign. Your current policy stays exactly as it is.
What This Means for You
Your Policy Does Not Change
If you already have coverage with us, it stays in force. Same carrier, same policy number, same beneficiaries. There is nothing to re-apply for and no new medical exam.
Same Agents, Same Team
Alan Daniel and the Daniel Insurance Agency team are still the people you call. They are now backed by the licensed agents at ApplyForLife and SJL Insurance Agency, who handle the quoting, underwriting, and policy service.
More Carriers, Not Fewer
You still have access to more than 100 highly rated life insurance carriers, now with instant side-by-side rate comparison instead of waiting on callbacks.
A Better Way to Shop
Check live rates in seconds, review a policy you bought years ago, or add coverage for your business, your income, or your retirement planning.
About Daniel Insurance Agency
Alan Daniel has been a licensed insurance agent since 1984, more than 42 years in the business, and started his own agency in 1985. He has been in the top 1% of the nation's highest producing life insurance agents ever since. Over those years he built Daniel Insurance Agency, LLC into a resourceful network of independent agents licensed across the country, doing business with more than 100 highly rated life insurance carriers.
Daniel Agency has always been independent, which means the agents work for you and not for one insurance company. That is still true today. What changed is the technology behind the service. ApplyForLife and SJL Insurance Agency now power the quoting, underwriting, and policy service, so your agent can compare the whole market in minutes instead of days.
The old website is retired, but nothing else is. You can reach the same team at the same phone number, and you now have a modern site to compare rates, request coverage, and manage your planning.
We Know the Hard Cases
For decades Daniel Agency has been the agency people call when a standard quote comes back declined or rated. That underwriting expertise comes with you.
Pilots
Aviation ratings, hours logged, and carrier guidelines handled by agents who know the aviation market.
Cigar and Cigarette Smokers
You do not have to be a non-smoker to get approved. Rates depend on carrier, and we know which ones compete.
Doctors and Dentists
Life and disability income coverage for physicians, including own-occupation disability definitions.
Type 2 Diabetes
A controlled A1C opens better doors than most people are told. We shop the carriers that underwrite it fairly.
Heart Disease
Recent events, stents, and medication history all matter. We present your case to the right underwriters.
Prostate Cancer History
Time since treatment and current PSA drive the offer. Many survivors qualify for standard rates.
Sleep Apnea
Compliance with CPAP and your AHI score determine your class. We know who gives credit for treatment.
Higher Build and Weight
Height and weight charts vary widely by carrier. What is a decline with one is preferred with another.
Key Man and Buy-Sell
Business life insurance to protect a partner, a company, or a loan, with the paperwork done right.
Where to Start
Compare Term Life Rates
See real rates from 30+ carriers in about two minutes. No exam options available.
No Exam Coverage
Fully underwritten, no medical exam, decisions in days instead of weeks.
Business and Key Person
Protect your company, your partners, and your buy-sell agreement.
Disability Income
Replace income if illness or injury keeps you out of work.
Same People. Same Phone Number.
ApplyForLife
Quoting, underwriting, and policy service
Licensed in 40+ states, serving clients coast to coast
Let's Make Sure Your Coverage Still Fits.
Most of the clients we review have not had their policy looked at in years. Life changes. So do rates. A quick review costs you nothing and could save you real money.
Review My CoverageDaniel Insurance Agency, LLC, powered by ApplyForLife and SJL Insurance Agency.