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Term Life Insurance by Top Rated Companies
More companies equals the best opportunity to obtain the lowest quote!
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Term Life Insurance Unknowns
Term life insurance quote sites often do not sell
policies at all; rather they sell your information to one or
many local agents. You will never know if you got the best
price for your rate class.
"Make No Mistake"
We
offer more companies to insure the best rates possible.
Never
a credit card or voided check required unless you are
applying for no-exam insurance.
Never
have to pay for your para-medical exam.
Recognize The Difference
Valid sites should display the broker's name and included a
listing of the states, "legally licensed and appointed" to
conduct business.
We
Follow A Strict Ethics Code
Take Advantage Of Instant Quotes
A ten day right of refusal always applies
Explore The Best Rates!
Spreadsheet all of our top companies' rates now!
Have Medical Conditions?
Have an Impaired Risk? Do You Participate In A Hazardous
Hobby?
Have You Been Declined? Just complete our simple Questionnaire! or
Ask The Doc
How It Works
All policies have four components which are the insuring company, policy owner, the insured individual, and 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. This is the least expensive form. Coverage can be obtained for 1, 5, 10, 15, 20, 25 or 30 years.
What It Is
Contractual provisions form the policy contract. The content below is general and may differ by company and/or by policy filing.
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Because life is not always as certain
as your responsibilities...
We offer you 36 years of
professional experience for your term
life insurance needs. Return of premium
or no exam policy types, and
quotes are made available by over 40 top
rated companies.
Your Buying Experience...
We Make It as Easy as 1,2,3:
We maintain a consistently high placement ratio and we complete the application for you! Receive professional assistance in making an informed buying decision free.
1) Understanding Your Needs!
Find specific solutions for cash needs and financial responsibilities. Establish an
"estate".
Explore the
buyer's guide, and use our
needs calculator to determine your needs for yourself, family, or business.
Term or permanent, which one should I
buy? Look at our
decision chart to help
make a decision.
2) Find Out How Much It Will Cost!
Premiums vary greatly between underwriting classes; check your classification.
Applicants should "always" consider and be willing to accept several rate class possibilities. Underwriters will "always" place an applicant in the best possible rate class given their informational findings.
3) Applying Made Easy!
Quick Quote Technology
Choose Desired Company and Insurance Plan
Then complete our "Short Online Application Request"
Why The Need For Life Insurance
needs calculator
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GENERAL CONTRACTUAL POLICY PROVISIONS owner and beneficiary, assignment, misstatement, suicide, incontestability, payment of proceeds, amount of the death proceeds, and nonparticipating.
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PREMIUM POLICY PROVISIONS defines procedures for payments, refund of premium, grace period, reinstatement, and change of premium.
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POLICY RENEWAL, CONVERSION, AND EXCHANGE POLICY PROVISIONS policy renewal, conversion, and exchange.
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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.
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POLICY LOANS POLICY PROVISIONS conditions for a cash loan, automatic premium loan option, deferral, interest and replacement.
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ENDORSEMENT allow owners to modify standard forms by attaching endorsements preapproved by counsel. More
SETTLEMENT PAYMENT OPTIONS POLICY PROVISIONS describe Income, Income With Period Certain, Joint Income, Payments for a Fixed Period, and Proceeds At Interest.
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GENERAL CONTRACTUAL POLICY DEFINITIONS defines the terms used in the contractual policy provisions.
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We have a highly trained and licensed professional
staff specializing in all aspects of this discipline
including, Term, Universal, Permanent Policies,
Final Expense, and informs our clients of there uses
in Estate Planning and Estate Conservation, Business
Planning for Buy Sell Agreements, Deferred
Compensation, and Executive Compensation, and
Personal Family Protection. We offer
spreadsheets Quotes from Top Rated Companies and help you decide what type of
policy is best for your goals and objectives; be it 5, 10, 15, 20, 25 or 30
year policies that can include a return of premium plan option. Some plans
offer no exam underwriting for your convenience.
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