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Life Insurance
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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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only represent you the consumer-we quote
multiple insurance companies ensuring that you are
getting the best value for
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voice mail during business hours, always speak to your
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We only quote guaranteed rates from highly rated insurance
companies.
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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.1adv-term-life-insurance.com/
Advantage Term Life Insurance Quotes The Lowest Rates on Term Life Insurance
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1965
1966
1967
1968
1969
1970
1971
1972
1973
1974
1975
1976
1977
1978
1979
1980
1981
1982
1983
1984
Gender:
Male
Female
Height:
4 ft. 1 in.
4 ft. 2 in.
4 ft. 3 in.
4 ft. 4 in.
4 ft. 5 in.
4 ft. 6 in.
4 ft. 7 in.
4 ft. 8 in. 611
4 ft. 9 in.
4 ft. 10 in.
4 ft. 11 in.
5 ft.
5 ft. 1 in.
5 ft. 2 in.
5 ft. 3 in.
5 ft. 4 in.
5 ft. 5 in.
5 ft. 6 in.
5 ft. 7 in.
5 ft. 8 in.
5 ft. 9 in.
5 ft. 10 in.
5 ft. 11 in.
6 ft.
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6 ft. 3 in.
6 ft. 4 in.
6 ft. 5 in.
6 ft. 6 in.
6 ft. 7 in.
6 ft. 8 in.
6 ft. 9 in.
6 ft. 10 in.
6 ft. 11 in.
Weight:
Coverage
amount:
$50,000
$75,000
$100,000
$150,000
$200,000
$250,000
$300,000
$350,000
$400,000
$450,000
$500,000
$600,000
$700,000
$750,000
$800,000
$900,000
$1,000,000
$1,250,000
$1,500,000
$1,750,000
$2,000,000
$2,500,000
$3,000,000
$5,000,000
Help
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6
good reasons
to consider a 1 Advantage Term Life Insurance Quote:
- We
only represent you the consumer. We quote
multiple top rated insurance companies thereby ensuring that you are getting the
lowest rates with life insurance dollars.
- No voice mail during business hours, always speak to your assigned life
insurance broker while we process your application.
- We only quote guaranteed rates from highly rated insurance
companies.
- Use our state of the art quoting engine to correctly qualify
yourself for the life insurance coverage that is best for you.
- A history of excellent customer service and complete attention to
detail allows your policy to be issued in an expedient manner.
- You will only be contacted by us. We never sell your personal
information to third parties.
"An Informed Consumer is a Smart
Consumer"
Why Advantage Term Life Insurance Quotes
Today's consumers can shop for the lowest term life insurance
quotes on hundreds of sites
on the
Internet. They can get quotes, but these quotes are just numbers until the insurance
companies underwrite the policy; only a small percentage of these policies are ever issued
as quoted. We believe in doing it right the first time. We will carefully review your life
insurance quote request and provide you with informed objective advice on your life
insurance needs. It is our goal to provide each customer with the best term
life insurance quote.
How
an Advantage Term Life Insurance Quote Works
Getting you the lowest rate possible based on your situation is our only task. We
write high volumes of life insurance policies all over the United States. Therefore, we will not
waste your time with endless phone calls. We will contact you within 24 hours with your
quotes. All of our life insurance quotes are free and come with no obligation. Getting you the lowest rates possible based on your situation is our only task.
We offer quotes on term life insurance, whole life insurance and universal
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Advantage Term Life Insurance Quotes
Our advice is objective and our process is simple. Get
the most value from your life insurance policy today, give us a call or fill out our
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TERM LIFE INSURANCE RATES
Term life insurance is a commodity, and improved access to insurance
information is making it even more so. For just pure life insurance, which is term
insurance, why should you pay more than you have to?
Insurance Needs Calculator.
Life insurance needed to protect your current income.
Insurance Cost Estimator.
Get an estimate first before contacting an insurance agent.
Term life insurance rate war.
Term life insurance rates are at an all time low. See why.
Term versus whole life insurance.
Should you use life insurance as an investment?
Free life insurance quote.
Find out how cheap term life insurance really is.
Online Health Insurance.
If you don't have group coverage, apply online.
Choosing a life insurance agent.
Companies sell life insurance through agents. Find one.
Choosing a life insurance company.
Who are the most competitive term insurance companies?
Insurance library.
Articles by insurance professionals with many years of experience.
Life mortality tables.
What is your life expectancy?
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The following companies currently head up our
Top 10: First Colony Life Insurance Company,
First Penn-Pacific Life Insurance Company, West Coast Life Insurance Company,
Banner Life Insurance Company, Protective Life Insurance Company.
We use a third party database of over 160 life insurance companies to rank
in terms of lowest term life insurance rates.
More Help:
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there. Quick and easy...
Nationwide Insurance
They have a network of thousands of participating insurance agents and companies across the United States. Once you complete their online quote form, their computer system instantly matches your profile to the top five insurance companies. Your information is immediately sent to them, they work up their best quotes, and contact you with their rates. You should receive most of your quotes within minutes. This is definitely one of the best services out there.
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Results from search: http://www.examfirst.com/
Term Life Insurance Quote Sites: A Life Insurance Actuary's Guide
A
Life Insurance Actuary's Guide to
Term Life Insurance Quote Sites
by Norlyn Dimmitt, FSA, CEO of Exam First
Inc.
About the Author
Life Insurance Actuaries
This is the second in a series of articles analyzing term life insurance quote sites
on the Internet. If you would like to view the first study, you may find it
here .
I am conducting these studies to build support for
ACCURATE quoting from
a broad range of carriers. Currently, the term life insurance industry is rife with customer
dissatisfaction, stemming mainly from the industry's dirtly little secret: the
"MISQUOTE PROBLEM" .
Here is what happens: You choose a company because the quoting site displays it as
the lowest rate. Eight weeks later, you find out that you don't qualify for that
rate because of your health history. Instead, you have been approved
for a (often much) higher rate. If you had known this in advance, you would
have chosen another company that used different underwriting criteria.
The easiest way to demonstrate this is to examine our hypothetical case:
John Doe is a 45 year
old male, nonsmoker, who needs $500,000 of coverage for 10 years.
His only health impairment is a high cholesterol level (290),
which is offset somewhat by a great cholesterol ratio (4.0).
John wants to find what
company will give him the lowest rate, guaranteed level for 10
years. To accomplish this,
he visits six websites which have been chosen as picks by Forbes,
CNN/Money, and in a recent study by the Consumer Federation of America.
John applies to the
company that showed the lowest premium. (He is told that he can only apply to one
company at a time).
Here is how the actual premiums offered by the insurance companies compare to
the term insurance quotes
returned by the sites --
Click here to see how we chose the sites.
Quote Site
Premium
Top 3 Companies
Comments
Actual Rates
385
American Life of NY
390
Transamerica
430
Empire General
Insurance Guide
390
Transamerica
Software guidelines
430
Empire General
475
First Penn-Pacific
QuickQuote
590
First Penn-Pacific
Software guidelines
675
North American
Guidelines inaccurate
700
Western-Southern
InsWeb
700
John Hancock
Software guidelines
709
North American
Missing top carriers
710
Ohio National
Reliaquote
665
Ohio National
Manual guidelines
675
North American
Guidelines inaccurate
700
Western-Southern
Term4Sale
330
Americom
Manual guidelines
340
Ohio National
370
Clarica
Quotesmith
340
Ohio National
Manual guidelines
375
Banner
375
West Coast
AccuQuote
575
Banner
Manual guidelines
590
First Penn-Pacific
Guidelines inaccurate
660
West Coast
Missing top carriers
Blue
= misquote (overstated)
Red
= misquote (understated)
RATES AS OF NOVEMBER 14, 2001
Only Insurance Guide
offers John any of the top three carriers, returning two out of three.
QuickQuote includes underwriting guidelines in their software, but they are
inaccurate, missing the important question on cholesterol ratio. Also, they
lack some key competitive carriers.
InsWeb does a commendable
job of accurately quoting; since our last study, they have upgraded their software
to include cholesterol ratio. But they are lacking far too many competitive carriers
to be considered a strong consumer life insurance site.
Our previous study also included InsureMarket, but they have since merged their site
with InsWeb.
Quotesmith, Term4Sale and AccuQuote would all
erroneously direct John to buy carriers whose rates have been understated.
These sites merely return a list of
life insurance companies and rates without screening for
underwriting issues. AccuQuote asks a lot of underwriting questions, but then
does not use the answers in providing the online quote.
Quotesmith does provide accurate manual guidelines; unfortunately,
few consumers will have the expertise or patience to wade through them.
Of course, this is only one case, though it illustrates
the importance of both accurate quoting and carrier selection.
A more detailed and general analysis can be found by clicking
here. We will cover life insurance in Canada
in a future study of Canadian life insurance .
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