Will I find better
rates for a given term policy if I
No. Making sure to compare
apples and apples (age, area, health
status, etc), you will get the
term life rate
for a given plan at
Etermlifeinsurancequote.com when you run
your term insurance quote.
The carriers do not offer discounts to
certain agents or quoting services so
you can feel confident that the best
rates are here at one site across
multiple carriers and plans. Keep
in mind that ultimately, it is the life
insurance company that makes an offer
and their rate might be different than
the quote. This is no different
through us or any other source however.
How do we get paid?
Independent agents like us
receive a commission from the carrier
similar to travel agents. This
commission is the same for all agents so
there's no reason to go somewhere else.
This commission allows us to provide
cutting edge quoting and membership
capabilities but at absolutely no cost
to you. We are an impartial third
party solely concerned with helping you
find the most affordable life insurance
plan to fit your needs.
Is there a fee to apply through you?
In fact, you will have a 10 day free
look period from when the the carrier
comes back with an offer to cancel the
policy never effective.
It's important to understand how we are
able to offer this rate guarantee in
order to make an educated decision on
where to purchase term insurance.
The first question is how are we paid as
We do not charge a fee for our service.
There is no separate charge to apply for
a given life insurance plan through our
agency. Period. We are paid
like travel agent via a commission from
the life insurance carrier. The
commission paid by the life insurance
carriers are fairly comparable so
there's no incentive to with any
particular plan or carrier from our
perspective. In fact, the best
approach for us is if you go with the
lowest priced plan offered by a solid
carrier. You're more likely to
keep the policy and remain a valuable
client of ours. It's that simple.
We are independent brokers which means
we can deal with all the carriers.
This is different from "captive brokers"
which essentially sell and market one
carrier's products. It's hard to
see how this will be in your interest as
the consumer. As we discussed in
our articles on getting the
best term life
rates, you need all the
options from an impartial source (us!).
The important thing to understand is the
rate will be identical whether you go
through us, another broker, or direct to
the carrier. Hopefully, we have
provided the online tools and
information to you so that understand
our value as your professional life
insurance agent. You can always
contact the carrier with a question but
we are here a third party (and a much
more accessible one at that) to help
with any questions or concerns.
Keep in mind that the carrier are
typically large companies and it
sometimes be unwieldly to contact them
as you're probably familiar with from
dealing with other large companies (i.e.
the phone or utility company). The
life insurance market isn't exactly
"progressive" although they're getting
better. Let us help! It's at
no cost to you since the commission is
not in addition to your core premium.
I don't understand why people would go
direct since they're paying the same
price but are stuck with the call
centers that commonly handle questions
and issues. Let us do the leg work
for you. Unless of course, you
like pressing 3 then 2 then 4 with the
automated phone system donning a british