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Term Life Insurance by Top Companies
For the serious shopper who would like a seasoned
professional to assist them-
Offering the Largest Selection of
Top-Rated Companies Instantly!
Why is this important?
Personalized
Tele-Application for All Companies, Right Over the
Phone!
More companies
allows for the best opportunity to obtain the lowest quote!
"how term life insurance
works", "return of premium term life insurance",
"term life insurance no exam" and "what is term life
insurance" will be explained on this page.
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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 or you request temporary coverage while
your application is being underwritten.
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 "legally
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
E-mail "The Doc"
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Because
life is not always as certain as your responsibilities...
We
are offering 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
which can help in making a decision.
2) Find Out How Much It Will Cost!
Premiums vary greatly between
underwriting classes; therefore, please,
check your underwriting classification.
Applicants should "always" consider and
be
willing to accept several rate class
possibilities when applying with any
company .
Underwriters will "always" place an
applicant in the best possible rate
class given their informational
findings.
3) Applying Made Easy!
Quick Quote
Technology
Choose your
desired company and insurance plan
Then complete our
"Short Online Application Request"
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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 will pay a death benefit to the policy's beneficiary upon the death of the insured
if the policy is in-force at the time of death. This is the least expensive form.
Policy coverage can be obtained for 1, 5, 10, 15, 20, 25 or 30 years.
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What
It Is
Contractual provisions form the policy contract.
The
content below is general in nature and may differ by
company and/or by policy filing.
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GENERAL
CONTRACTUAL POLICY PROVISIONS
consist of
the contract, policy
date, owner and beneficiary, change of owner and
beneficiary, assignment, misstatement, suicide,
incontestability, payment of proceeds, amount of the death
proceeds, and nonparticipating.
More
PREMIUM POLICY
PROVISIONS
defines
procedures for premium payments, refund of premium, grace
period, reinstatement,
and
change of
premium.
More
POLICY
RENEWAL, CONVERSION, AND EXCHANGE
POLICY
PROVISIONS
speaks to policy renewal, conversion, and exchange.
More
NON-FORFEITURE POLICY
PROVISIONS may
be elected by written notice during the Insured's lifetime.
This section includes: policy surrender, paid-up insurance,
extended term insurance, automatic option and basis of
values.
More
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POLICY LOANS
POLICY PROVISIONS
states the conditions for a cash loan, automatic premium
loan option, deferral, interest and replacement.
More
ENDORSEMENT
allow
owners to modify standard forms by attaching endorsements
preapproved by counsel. In this case the endorsement speaks
to a policy premium modification.
More
SETTLEMENT PAYMENT OPTIONS POLICY PROVISIONS
describe
Life Income, Life Income With Period Certain, Joint Life
Income, Payments for a Fixed Period, and Proceeds At Interest.
More
GENERAL CONTRACTUAL
POLICY DEFINITIONS
defines the terms used in
the contractual policy provisions.
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