Because life is not always as certain as
your responsibilities...
We are offering you our 33 years of professional experience for all your term life insurance needs. Term life insurance, return of premium or no exam term life insurance, and term life insurance quotes, are made available here by top rated companies.
Your buying experience is made easy!
We maintain a consistently high placement ratio
and we complete the application for you!
Receive professional term life insurance
assistance in making an informed buying
decision free from termlifeamerica.com.
1. Understanding your needs!
Find specific solutions for cash needs and financial responsibilities. Establish an
"estate" where an estate does not presently exist.
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. Please always consider this type of policy for your temporary needs and use permanent policies for your permanent needs.
2. Find out how much it
will cost!
Receive accurate, instant quotes from top-rated "known companies".
Most Important, 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.
Most applicants in good health feel they should apply for the preferred best rate class. However, industry-wide studies have proven that due to family history, lab results and
Medical Information Bureau
(MIB)1
report information, only 3-5% of all applicants applying, actually are issued a preferred best
rate class premium. Your exam lab results are critical in the underwriting decision.
Please note: Underwriters will "always" place an applicant in the best possible rate class given their informational findings; no matter what rate class an applicant applies for.
1MIB's fraud protection services protect insurers, policyholders and applicants from attempts to conceal or omit information material to the sound and equitable underwriting.
3.
Applying made easy!
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Quick Quote Technology |
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Choose your desired company and
insurance plan. |
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Then complete our "Short Online
Application Request". |
Personalized Tele-Application All Companies, Right Over The Phone!
One of our
"in-house" Licensed Representative will
be assigned to your case and will contact you to take your application. You will receive the completed application for your review and signature, and the underwriting process is underway.
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