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Term4Sale term insurance Comparisons: Term Life Insurance for Consumers
Term4Sale ®
term insurance comparisons for consumers
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COMPULIFE ® Software, Inc.
Welcome.
Term4Sale provides the
most unbiased term life insurance comparisons on the Internet.
The reason: Compulife does not sell insurance.
Compulife sells term comparison software to
thousands of life industry customers across the U.S. and Canada.
Click here for Canadian Comparisons
Once you answer the following
questions Compulife will provide an annual or monthly price comparison of the most competitive
term products for the level term period that you select. Compulife does
not ask for your name, address or phone number. Your privacy is protected.
No one will call to sell you life insurance.
Once
you receive your comparison, print it and READ IT CAREFULLY. It has
important advice to assist you in finding the best company and product.
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Click Here
to read an Important Editorial from Compulife Software President Bob Barney
titled " Evaluating Premium Guarantees ".
You need to understand the difference between level term plans which
guarantee the initial premium for the entire level term period and
those which do not.
Also note: Compulife is committed to providing a database which includes every term product
for which we can obtain information. Providing that we are able to obtain
the rates for a term product, there is no reason for Compulife to not include
that information. As a result, no other Internet
web site will give you more competitive pricing information
about a broader array of companies and term insurance products than Compulife.
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QuickQuote.com - Life Insurance and Health Insurance
Since 1995, QuickQuote has been the online insurance pioneer.
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Term Life Insurance Quotes 4 Less
Term Life Insurance
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Term Life Insurance Quotes
As a National Independent Brokerage company Term Life Insurance 4 Less represents ALL of the best life insurance companies in the United States. Our index to the left provides several life insurance resources if you'd just like to learn more about the different types of life insurance available. Or, you can go right to our term life insurance quote page.
Life Insurance Underwriting
Our underwriting interview will illustrate the wide range of requirements mandated by insurers for each of the main rate classifications. When you get a term life insurance quote from us it will be an accurate quote because we will tell you up front what your rating will most likely be.
Life Insurance Companies Ratings
Our A. M. Best Ratings page is a direct link to the A.M. Best web site. This company rates insurance companies on their financial stability. This information is very valuable to the consumer who wants to check out an insurer on his own BEFORE he buys a policy.
Life Insurance Definitions
The life insurance definitions page is the most exciting addition to our site. This comprehensive glossary of insurance and financial terms was compiled by Dr. Norma L. Nielson, Ph.D from the University of Calgary who has graciously granted us permission to link to it.
Term Life Insurance 4 Less
Your decision to select Term Life Insurance 4 Less to get your term life insurance quote is a wise one. Put us to the test. The process is simple and straightforward. It is quite likely that not only will you save 50% to 70% compared to what you are paying now. You could also almost double the time frame that your rate will be guaranteed.
We hope you'll find this to be an easy to use, information packed web site. Click here to get the process started.
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Results from search: http://www.budgetlife.com/
life insurance, term life insurance - term insurance rates from 150 companies
Life Insurance
150 TERM LIFE INSURANCE COMPANIES
TERM LIFE INSURANCE
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AGENTS
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LIFE INSURANCE COMPANIES
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LIFE INSURANCE QUOTES
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Budget Life is a service for life
insurance consumers. We don't sell life insurance, nor are we
affiliated with any life insurance company.
SEE OUR DISCLAIMER.
_________________________
About Budget Life
The following life insurance companies head up our
Top 10: Americom Life Insurance Company, Banner Life Insurance Company,
First Penn-Pacific Life Insurance Company, Valley Forge Life Insurance Company,
West Coast Life Insurance Company.
We use a third party database of 150 life insurance companies to rank
in terms of lowest term life insurance rates.
Term life insurance rates have been dropping steadily in response to increased competition.
Term life insurance is a commodity, and improved access to insurance information, such as
at this Web site, are making it even more so. Whether to use life insurance as an
investment is a separate decision; but for just pure life insurance, which is term
insurance, why should you pay more than you have to?
This Web site also offers you the
opportunity to obtain life quotes from independent life insurance agents. These life insurance
agents use the same third party database to ensure that they have all the lowest life
insurance rates from over 150 life companies; they don't work for just one life
insurance company. They recognize that term life insurance is a commodity, and they work
to get the best rate for the consumer.
About Life
Insurance
Paying for life
insurance is painful, but few can do without it. The key is to buy life
insurance only for losses, such as your income, that you or your
family can not replace. Avoid narrowly defined life insurance
policies that only cover specific loss of life, such as
accidents, plane crashes or cancer. You're better off with
insurance for any loss of life for a small increase in premium.
Don't skimp on life insurance.
But remember that people with no dependents may not need life
insurance at all. To estimate the amount of a life insurance
policy, estimate your dependent's living expenses if your
income is no longer available. Most life insurance consultants
estimate five to ten times your annual income. You can
try this calculator for a quick estimate, or consult with your
financial advisor.
Term Versus
Whole Life Insurance
Term insurance , also
called temporary insurance, covers a person against death for a
limited time, the term. For example, the term might be until
children are grown, or until college is paid for, or until
retirement. You pay for the coverage period and at the end of the
term the contract, or policy, expires. If no claims are made
against the policy during the term, you don't receive any
benefits after the policy expires, just like auto or homeowners
insurance.
Whole Life insurance ,
also called permanent insurance, is permanent and does not expire
(assuming you continue to pay the premiums). It provides coverage
similar to term insurance, but it also provides an investment
vehicle. A portion of the premium goes toward insuring your life
while the other goes toward an investment account. This
investment account can be either an interest bearing account or a
stocks and bonds investment account.
Which is better (our
opinion)? Young families with large financial obligations are
usually better off with term life insurance. The substantially
lower premiums enable them to purchase sufficient coverage to
protect against loss of income. Any discretionary investment
funds can be placed in other vehicles (mutual funds, money market
accounts, etc.) that are likely to generate returns similar to or
better than life insurance contracts. Cash value insurance is
sometimes purchased by people for tax and estate planning
purposes. You should consult with your financial advisor.
Choosing an
Agent
Almost all life
insurance companies sell their products through agents, rather
than directly to the public. Some companies use
"captive" agents, who can only represent one company.
Most of the competitive term insurance providers (such as those
featured at this site) use independent agents, who are free to
represent several companies. These agents can help you
select from a variety of products and companies to tailor a plan.
The premium rate is set by the company, and it cannot be changed
by the agent. The price you pay for a given product will be the
same no matter where you buy it. "Price shopping" for
an agent will provide little benefit, assuming that you have the
basic product and pricing information to know what to ask for.
_________________________
Life Insurance
So, do some product research first, using a service
like BudgetLife, and then select a life insurance agent based on criteria such
as trust, experience, and access to a wide selection of products
and tools. Your goal should be to find, and then stick with, an
agent who can help you put together the best possible protection
plan for your specific needs.
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Results from search: http://www.budgetlife.com/insure4less/
Computerized term life insurance survey - Winnick Insurance Agency, Inc.
FREE Term Life Insurance computer survey - ask for yours today!
We will shop for the best insurance policy for you. You contact us, you
choose your term coverage and policy. It is as easy as that! All business
is conducted promptly and courteously.
For a personalized quote, please
call toll free 1-888-235-2525
or
Tel: 1-781-235-2525
or
Fax: 1-781-239-0305
or
Email: winnickinsure@juno.com
or
Fill out our term life insurance form and we will respond within one business
day
We are based in Wellesley, MA and happy to serve you. If you are from out of state,
please allow us to refer you to a participating life insurance agent. We are part of a
national network of independent insurance agents, all of whom have access to our
computerized survey tools.
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For a quotation based on your known medical history, please
complete the following:
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Yes
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When you've completed the form or
to start over
Very competitive Universal, Whole Life & Survivorship
policies
We provide local service. Ask for Warren Winnick ,
C.L.U.
Our 30 th year.
Thank you for the opportunity to serve
you !
The Winnick Insurance Agency, Inc.
DISCLAIMER:
This Web page has been established as an independent publication of the
company named in the title. Links to this page may exist from other pages on the World Wide Web.
No connection should be inferred between this page and the content of any other pages.
Specifically, the company named in the title disavows any connection with any insurance
rate information which may be published elsewhere on the World Wide Web, including on any
pages which may contain links to this page.
Check these out and then come back and see us:
If you are shopping for
canadian life insurance , you know that
there are various life insurance products, including the popular
"Term to Age 65" and "Term to 100." You can find these Canadian-specific products at this location.
Did you know that sites selling life insurance only show the companies
they represent? What if there is a more competitive product elsewhere?
It is better to get
term insurance quotes
from someone who has the biggest database, and who is not selling insurance. So you will
definitely want to visit this site.
This site is a life insurance guide that features
an accurate quoting engine tailored to your specific risk profile. It has been reviewed and
recommended by this
life insurance actuary .
There are a lot of locations providing
term quotes and
life insurance rates on the Internet today.
We hope that this compilation will help you to find the lowest
term life insurance rates for your situation.
Did you know that the most competitive
term life insurance companies
can be found all at one place? That is because they have implemented an online industry-wide
database, and they keep it updated monthly.
For an online
health insurance agent , who also offers
term life insurance and long term care, this is our choice.
If you are a Hoosier or not, see
Indianapolis Life Insurance Company .
Here is a very competitive national carrier based in Michigan:
Jackson National Life Insurance Company .
This consumer oriented service has been providing term life insurance comparisons for almost 20 years.
You will discover that the most competitive
term insurance companies
really do provide good value for your insurance dollar.
This is because the lowest insurance rates can be offered on term insurance.
Here is the first site to provide life insurance rates on the Web.
We recommend that you check this out.
Hope this helps! Thank you for visiting.
Results from search: http://www.budgeterm.com/
term insurance, level term insurance - TERM LIFE INSURANCE RATE WAR: WHO WON?
Term Insurance
(Are you paying too much for term insurance?)
TERM INSURANCE RATE WAR RESULTS
The term insurance rate war is over! You won if you bought term insurance this year,
or if you plan to shortly.
The battle climaxed on January 1, 2000, when the insurance companies implemented new term rates
in response to Guideline XXX (Triple-X). This proposal was passed by several states'
life insurance commissioners, prompting the rate action by the companies.
Triple-X caused the insurance companies to shorten price guarantees for their lowest term rates. Consult with
an independent term insurance agent for
the details. But you can still take advantage of the low term rates.
Find your term insurance rates.
Then contact an independent agent to determine the rates for which you qualify, and to
select the best term insurance company, based on your health and lifestyle profile.
Disclaimer: We are not affiliated with the life insurance industry.
We provide a service for consumers, using term insurance
rate information acquired from third parties. You may not qualify for these term
rates. Use them for comparison only. To obtain personal quotes, please contact an
independent term insurance life agent.
[life insurance quotes]
[term insurance agents]
[term insurance companies]
SHOPPERS! Here is some additional assistance to help you look for term life insurance.
This consumer oriented service has been providing term life insurance comparisons for almost 20 years.
This is where you can find out about the term insurance rate war, or
obtain instant life insurance quotes from an online database.
If you want to research term insurance companies ,
we recommend that you check this out.
Here is a very competitive life insurance carrier with an excellent reputation:
Ameritas Life Insurance Company . If you have health problems, you should try
Massachusetts Mutual Life Insurance Company .
To begin your research, here is a list of life insurance directories .
The most competitive companies are those that provide
budget term insurance quotes .
But make sure to find a rate for which you qualify. This
life insurance guide provides a study that shows the
cheapest rate is often not available to consumers because of their risk profile.
We hope this information will prove useful to you. Thank you again for visiting.
Results from search: http://www.term-insurance-quotes-now.com/
Term Insurance Quote, LIFE INSURANCE QUOTE, term life insurance quote,
life insurance, FREE on-line quote
Term Insurance Quote Service - FREE custom quote on-line. Term Insurance Quote is your
source for term life insurance rates from over 150 companies. Don't buy before you shop!
These pages require a browser that supports frames. Please download a browser that
supports frames and come back to Term Insurance Quote. We have important information
and the latest rates for term life insurance.
Download Microsoft Internet Explorer Now!
TERM INSURANCE QUOTE
Some companies have lowered term life insurance rates up to 70% over just the past
few years. So don't get stuck with a company that has not stayed competitive .
Do your shopping first, using our online database of over 150 companies and rates.
Then check with an agent to see which company will give you the lowest rate for your
specific health risk factors. So, start the process here:
Find your lowest term life insurance rate
If you follow the links below, you can find out about
last to die insurance, impaired risk and key man
insurance, or use a calculator for a life insurance quote for TERM LIFE INSURANCE.
There is also information on term versus whole life,
preferred, standard, impaired risk, and table rated health classes.
There are pages with term insurance,
on-line quotes, low cost insurance and term rates.
So, insurance shoppers, please use our references for additional information:
life insurance Canada
life insurance software
MetLife Life Insurance
term insurance quotes
life insurance companies
term life insurance comparisons
Northwestern Mutual Life
life insurance actuary
Aetna Life Insurance
Case study: 35 year old healthy male.
Annual income to protect: $35,000.
Coverage required until: Age 55.
Insurance needed: $500,000.
Guaranteed annual premium: $390.
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Term Life Insurance
Results from search: http://www.term-insurance-companies.com/
term insurance companies, life insurance, LIFE INSURANCE RATES,
term insurance, online life insurance
Term insurance companies and FREE online quotes - Agents don't sell all products, so
find your cheapest term insurance company first from our online insurance database.
TERM INSURANCE COMPANIES
Comparison shop for term life insurance. This is the approach recommended by
Jane Bryant Quinn and other leading financial advisors. This is because term insurance is
the cheapest life insurance you can buy (see our writeup below). To assist you in this
regard, we have arranged for access to the leading independent database of term
life insurance companies. So, find out the competitive situation now:
Search our online database of over 150 companies
Please download a browser that supports frames, such as Microsoft Internet Explorer. Then
come back and get our information on term insurance companies, last to die coverage, and low cost
term insurance. Calculate your health class, or use our
insurance calculator to get your life insurance quote: TERM LIFE INSURANCE RATES ARE LOWER THAN EVER!
Also find out about term versus whole life, and
preferred, standard, impaired risk, and table rated health classes.
Download Microsoft Internet Explorer
Some additional information of use to term insurance shoppers:
This is targeted to consumers looking for term life insurance comparisons .
Use a life insurance guide before you make any final decisions.
Read about the term insurance rate war.
Use this method to get term insurance companies and quotes.
Met Life Insurance Company
Shopping for budget term insurance ? Try this site.
New York Life Insurance Company
Here is a directory of life insurance companies on the Internet.
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Long Term Care Insurance Decision Assistance Center
Long Term Care Insurance National Advisory Council's
Free Long Term Care Insurance Decision Assistance Center
- A public Service Outreach
The Long Term Care Insurance National Advisory Council is the
Proud Sponsor of The Nationwide
Long Term Care Insurance Buyer's Advocate Alliance
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YOU can get FREE Decision Assistance
& FREE Rate Quote COMPARISONS...
Using the
Long Term Care Insurance
BUYER'S ADVOCATE
in your state - FREE !
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Long Term Medicare:
The Amazing
Medicare Loophole
This Week's Long Term Care Insurance Update
on Technical &
Policy Issues.
A "Must-Read" !!
Our Nation:
Long Term Care Statistics ,
Long Term Care Initiatives ,
Quotations in the News,
Suze Orman & Long Term
Care Insurance
Your Retirement:
Long Term Investments ,
Long Term Planning
Financial Health:
Secure Long Term Care
Insurance Decisions
Consumer Strategies:
Childishness , Maturity
Family:
Long Term Caregiving ,
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A Women's Issue: Why?
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Long Term Care
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Market Conduct of Licensed Long
Term Care Insurance Agents
Good Behaviors in the Long Term Care Insurance Arena
Long Term Care Insurance Policies: Tax Qualified or Non-Tax Qualified ?
Which is best for you?
Customize Your Long term Care Insurance Coverage
Make any Long Term Care Insurance policy fit like a glove
Long Term Care Insurance Policy Analysis
How Long Term Care Insurance contracts are constructed
Exactly What is Long Term Care Insurance?
A general overview of Long Term Care Insurance
Rank the Long Term Care Insurance Companies
How to conduct a background check on any Long Term Care Insurance Carrier
Long Term Care Insurance Premium Rates
How much does Long Term Care Insurance cost? Personal Long Term Care Insurance rates & comparisons
Long Term Care
Insurance National
Advisory Council
Decision Assistance
Center
Welcome to the Long Term Care Insurance National
Advisory Council Website. Here, you can obtain free
decision assistance when considering the purchase of
Long Term Care Insurance (LTCi) protection for
your family's retirement security.
Anyone with even a passing experience in Alzheimer's,
stroke, Parkinson's or frailty situations can appreciate the severity and financial devastation of these all too
common life events. This is why you are investigating
Long Term Care Insurance.
Check out any page on this site to find out what you
need to know before choosing Long Term Care
Insurance coverage. We have here a great many
unheard-of, pro-consumer resources for easy
evaluation and comparison of your best options.
FACT: The average Ancient Greek lived until age 18.
The median life span of a Puritan was 33 years. In
1991, the average American life expectancy was about
72 years for men, 79 years for women.
FACT: In 1994, about one in eight Americans was age
65 or older. By 2030, one in five Americans will be a
senior citizen.
FACT: 1n 1994, 7.3 million Americans needed long
term care (LTC) services at an average cost of nearly $43,800 per year. By 2000, this number rose to
9 million Americans at nearly $55,750 per year, and
due to inflation, by 2060 it will skyrocket to 24 million
Americans paying over $250,000 per year to receive
long term care.
YOU can get FREE Decision Assistance
& FREE Rate Quote COMPARISONS...
Using the
Long Term Care Insurance
BUYER'S ADVOCATE
in your state - FREE !
CLICK here NOW
Americans are living longer and healthier, thanks to
better diet, better medical care and safer living &
working environments. But no one is immune from the
effects of aging and longevity - effects that often
result in reduced physical or mental ability.
Most people mistakenly believe that Medicare will
cover the cost of Long Term Care. The reality is that
Medicare only covers nursing home costs for a very
short period following a hospital stay to recuperate
from an acute illness or injury.
In any case, Long Term Care Insurance is now a hot
media topic, and misinformation abounds. This
Website consolidates the best tips on selecting and
implementing Long Term Care Insurance protection to
ensure a carefree retirement for all concerned.
With a history of seven relatives in care situations,
plus my own personal battle with Multiple Sclerosis, I
can testify to the need for mature thinking and adult
behavior when it comes to Long Term Care planning.
I heartily recommend each and every page on this site
for your edification and enlightenment. Your family
will be grateful you came here...
Warmly,
Suzanne Kimberley Cotton, Webmaster
Long Term Care Insurance National Advisory Council
YOU can get FREE Decision Assistance
& FREE Rate Quote COMPARISONS...
Using the
Long Term Care Insurance
BUYER'S ADVOCATE
in your state - FREE !
CLICK here NOW
..................................................................................................
MEMBER WEBSITE
Long Term Care Insurance Buyer's Advocate Alliance
Public Service
Outreach
"Retirement is survival of the wisest..."
"The ONLY money that will BE THERE when YOU get there is money you PUT IN PLACE NOW."
"Dig the well BEFORE you thirst"
- Confucius
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