Term life insurance - best rate guarantee
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.
Find out more about how to get expert help with life insurance here.
Independent agents like us receive a commission from the carrier similar to travel agents.
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 independent brokers?
We do not charge a fee for our service.
We are paid like travel agent via a commission from the life insurance carrier.
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!).
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 unwieldy 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 really poor British accent!
Again, there is absolutely no cost to you for our services. Call 800-710-0455 Today!
20+ Years EXPERIENCE
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