When it comes time to compare term life insurance quotes online, we do things a little differently than everyone else.
We’re not your typical call center life insurance agency – we’re a small (but mighty) boutique life insurance comparison service.
What that means for you is we can do whatever we want without someone looking over our shoulder – so we’ve taken advantage of that and compare term life insurance quotes differently than the other big name call center life insurance agencies.
Here’s why we’re different and how this benefits you in finding the lowest cost term life insurance rates:
1. Instant Life Insurance Quotes, no contact information
That’s right, we let you compare term life insurance quotes online in the comfort of your own home or office without having to feel sneaky by entering fake contact information just to get to the quote results screen.
We understand that most consumers want to see instant term life insurance rates, company ratings and policy details AND THEN decide if they would like to more forward or need the help of a life insurance expert (we’re just a phone call away).
2. Grill You on Your Health
Lets say you gave us the opportunity to earn your business. Now we’re going to dig deep into any health issues you may have before we submit this application. And when we say deep – we want you to tell us everything.
The reason we do this is because we want to provide you with accurate rates. Anyone can click a few buttons of the mouse and pull up life insurance rates, but the question now becomes: Can you qualify for these rates?
That’s why we’ll ask you the details regarding any health issues. We don’t want to waste your time or ours by getting a surprise increase in premiums when an underwriter makes their offer. Which brings us to our next point.
3. Consult Our Underwriters Before Submitting An Application
I would say 95% of life insurance agents DON’T do this. We will consult an underwriter if we feel your health concerns could affect your application.
Why is this important? So there’s no surprises after you’ve gone through the underwriting process. No one wants to be quoted one rate and offered a higher rate. Consulting with our underwriters prevents this from happening.
4. Compare over 60 Life Insurance Companies
Since we’re independent, we can offer ALL the top rated term life insurance companies who are competitive on price. Not many life insurance agencies can say that.
Currently, we actively quote over 60 life insurance companies using several different technologies.
5. Work Within Your Budget
We’re very conscious of your life insurance budget. If you give a specific amount you’re comfortable setting aside for your life insurance purchase, we’ll work on adjusting the death benefit and/or the term length of your ideal amount. We will even help you look at other forms of life insurance like a guaranteed universal life insurance policy instead of term life insurance.
When it’s come time to decide, make sure you’re comfortable with the agent that’s helping you. We’re the ones ultimately responsible for securing you the lowest life insurance rates available.
It’s true that the rates will probably be the same no matter the agent you use, we all use the same published rates. However, your life insurance agent’s expertise can secure you a better health classification which can return a better rate. Keep that in mind when you speak with your agent.
So if you compare term life insurance quotes on our website, rest assured you’re working with experts who will do their very best to secure the perfect policy for your situation.