At
TermLifeInsurance4Less.com, our
priority is to provide you with the highest quality service at the
best prices possible. Customer satisfaction is what makes us so
successful. We work with over 250 companies.
We want to make life
insurance easy to
understand & compare. Now you can compare all the
quality companies in one place at the same time
■
Best prices - and our service is free to you.
■
Largest selection - More plans than any other agent.
■
Safe, secure, and easy online application request process.
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Real-Time - instant term life quotes online from over
250
carriers.
The other companies we
represent specialize in areas like whole life, universal
life, single premium, second to die, and final expense
policies
The insurance industry is
highly regulated and has set rates; there aren’t any "volume
discount deals", “specials” or “shopping season sales”. Your needs
and the underwriting process determine the rate that is
selected. But, although the rates are set, we guarantee to
find you the lowest rate available that suites your needs,
and we do that with the our real-time quote engine from
Compulife/Term Life Quotes Online. The online information is
free, quick & simple!
How much does it cost to
get started & when does my coverage start? Most
insurance carriers allow policy holders to make monthly,
quarterly, semi-annual or annual premium payments.
Coverage begins from the date of signature on the
application pending all underwriting questions are
answered correctly.
Do insurance companies offer a money-back
guarantee? Yes, they all offer a full refund. If, for whatever
reason, you decide to cancel your application you can do so
without any questions asked for up to 30 days after you have
received your policy depending on the state regulations of the
state in which you live.
What will my
Insurance Premium be after I have finished paying the initial
period of guaranteed Insurance Premiums?
If your insurance is renewable then you will only pay up to
the guaranteed maximum renewal premium. This maximum will be
stated in your insurance policy. Your insurance policy will also
list the current renewal rates. These are not guaranteed to remain
the same each year but they give you an idea of what your
insurance renewal cost will be. They may go up or down each year
but your renewal premium will never be higher than the guaranteed
maximum.
You may have heard of the term "re-entry"
in a favorable way. "Re-entry" is when a policy holder comes
to the end of their initial guarantee period and reapplies for new
insurance coverage with a new period of guaranteed rates - just
like starting a new policy but paying out a lower insurance
premium than the guaranteed maximum renewal rate. You only qualify
for "re-entry" if your health is still good. We would caution you
about this 'renewal' option because you can not guarantee that
your health will be as good when you come to renew your insurance
policy. If it's not, and you chose this option following a
short-term policy, you will be stuck with paying horrendously high
premiums or loosing your insurance cover. Also renewal insurance
rates may seem low but if you viewed them without seeing the
current and maximum renewal rates (as discussed above) you may
make completely the wrong assessment. This is not a practice that
our company condones and is considered deceptive by the insurance
industry.
Please feel free to
contact our insurance agency at any time and speak with one of our highly
qualified representatives.
Always
remember that it is much safer to go for a term life
insurance policy with as long a term period as possible. In
other words one that truly matches the length of time you
need it for. If it's 30 years you shouldn't get a 10 year
term rate thinking you will renew for the remaining 20 years
at a similar low rate.
