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Term Life Insurance Quotes From Top Rate Companies

 
  We Currently Offer-

Term and Permanent Life Insurance Quotes, and Individual Disability Insurance Brokerage

Products From The Following Companies:
American General Term Life Insurance Banner Life,  First Colony Genworth Insurance ING-VoyaJefferson-Pilot, Lincoln Benefit Lincoln Financial, North American,  Protective,  RBC - Liberty Life,  SBLI,  Security Mutual Transamerica Union Central U.S. Financial West Coast William Penn


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Recognizing the need for and establishing a modern technological framework for our life insurance clients to use was not easy. 
Get an instant term life insurance quote and discover which is best plan for your pocketbook.

 "Make No Mistake"

We offer more companies to insure the best rates possible. There is never a credit card or voided check required unless you are applying for no-exam insurance. You never have to pay for your para-medical exam.
   

We Offer You A Competitive Edge-

Streamlining or sales and support services is our top priority.  Our distribution and processing system is efficient for both the standard and most advanced underwriting situations.

Term Life Insurance Quotes Unknowns-

Many sites often do not sell policies at all. Instead they sell your information to one or many local agents. You will never know if you got the best price for your rate class.

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Valid sites should display the broker's name and a listing of the states, the broker is legally licensed and appointed to conduct business in.

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Have Medical Conditions?

Heart disease: Even having a family history of heart disease will cause you to pay a higher premium.

Diabetes:
Applicants with childhood type I diabetes will pay higher rates. They will have some trouble finding a company that will insure them. Adult-onset diabetes that is managed by medication or diet, obtain lower rates.

Cancer:
The type of cancer, the severity and treatment received affect your premiums.

Obesity:
Because other health conditions follow obesity, insurers take your weight into consideration.

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Do You Participate In A Hazardous Hobby? Declined? Just complete our simple Questionnaire! or

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How A Life Insurance Policy Works

All policies have four components. The insuring company. The policy owner. The insured individual. The beneficiary. The company, by contract, pays a death benefit to the policy's beneficiary upon the death of the insured if the policy is in-force at time of death. Coverage can be obtained for 1, 5, 10, 15, 20, 25 or 30 years.

Tale Of Two Agents


Captive Agent
 

An agent working exclusively for a single firm. He or she is obliged to submit business only to that firm, or at least give that firm first rights of refusal on the case.

Captive agents that are non-established are usually paid on a combination of salary and commissions earned from selling the policy contract. Also, the firm usually provides its captive agents with an allowance for office expenses as well as employee benefits such as pensions, life insurance, and health insurance. 

The established captive agent is usually paid exclusively on a commission basis.  This type of agent will tend to have more in-depth knowledge of that firm's policies, however, he or she will hardly ever be equipped to offer the industries' best price on any particular product offering.


Independent Agent Broker

Simply said, independent agents are appointed to sell policies from many insurers. The agent is independent from all insurers thus, the independent agent's responsibility is solely focused on evaluating the client's needs and the pricing of the product chosen.

While searching for the brokerage market's best place for a client's business, independent agents pay all their own expenses and keep their own records and earn their income from brokerage commissions on the policies they sell.

 


 

 

 

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Term Life America provides you with the latest technology to search for the best term life insurance quote-

First- Check out our Needs Calculator and to determine your needs-

Next- Our spreadsheet term life insurance quoting system allows you to examine " By Underwriting Class" all of our top 40 companies as they apply to your specific needs. Underwriters will always place an applicant in the best possible underwriting class given their informational findings.

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Applying Made Easy!
Quick Quote Technology allows you to choose your desired company and insurance plan. Then you can complete our short online application request.  We will then be in touch with you to complete the paperwork.



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P.O. Box 30248
Charleston, SC 29417

Product Information Tools

 
Estate Planning Information
 
Carrier Profiles And Links
 
Underwriting Requirements

Our Mission And You--

We were created with the sole mission of supporting the life insurance buying public nationwide in finding viable solutions for their life insurance needs. We contract with leading insurers who maintain market leadership through their portfolios and underwriting.

By forging solid relationships with the Top Life Insurance Companies in America, we are able to offer an expansive product line and excellent client services.  We act as your problem-solving life insurance source.


Contractual provisions form the policy contract. The content below is general and may differ by company and/or by policy filing.

GENERAL CONTRACTUAL POLICY PROVISIONS owner and beneficiary, assignment, misstatement, suicide, incontestability, payment of proceeds, amount of the death proceeds, and nonparticipating.

PREMIUM POLICY PROVISIONS defines procedures for payments, refund of premium, grace period, reinstatement, and change of premium.

POLICY RENEWAL, CONVERSION, AND EXCHANGE POLICY PROVISIONS policy renewal, conversion, and exchange.

NON-FORFEITURE POLICY PROVISIONS elected by written notice during the Insured's lifetime. Includes: policy surrender, paid-up insurance, extended term insurance, automatic option and basis of values.

POLICY LOANS POLICY PROVISIONS conditions for a cash loan, automatic premium loan option, deferral, interest and replacement.

ENDORSEMENT allow owners to modify standard forms by attaching endorsements preapproved by counsel.

SETTLEMENT PAYMENT OPTIONS POLICY PROVISIONS describe Income, Income With Period Certain, Joint Income, Payments for a Fixed Period, and Proceeds At Interest.

GENERAL CONTRACTUAL POLICY DEFINITIONS defines the terms used in the contractual policy provisions.
 




 

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