The Term Insurance Game - Dispelling Term
Life Insurance Myths With The Facts
There are well over 1,000 different combinations of
insurance companies and term products available out there that can provide you
with the worth of term insurance that you requested. As a
consumer, that can be quite confusing, can't it?
Term.com is the premier online independent broker of term
life insurance policies. We work for you. We do not work for some insurance
company. We subscribe to a database that checks for updates, on a daily basis,
on virtually all of the term insurance policies available for sale in the United
States to determine the policies that publish the lowest rates. After
eliminating some companies for quality items such as financial ratings, service
reputation, or health classification criteria, we quote you the lowest rates for
the remaining companies. No one can offer these
policies at a rate lower than we can!
There is no difference between say a $500,000 death benefit
on a guaranteed 20 Year level term life insurance policy from one company to the
next. They all pay $500,000 if you die during the term period (assuming the
policy is in force). The main difference from policy to policy is the company's
financial ratings and the rate for the insurance.
Financial Ratings
Term.com only directs you to the companies that have
excellent financial and service ratings. Financial ratings are important because
one of the things that you are buying is peace of mind. Many well known
companies with excellent financial ratings have very high rates. Fortunately,
most of the companies with the lowest published rates also have excellent
financial ratings and reputations. We can guide you through this.
Term Life Insurance Premium Rates
The other major difference between companies is the rate
for insurance. The rate is based on two different things, your risk
classification and the rate for that particular classification.
The rate classification is primarily based on health
issues such as height, weight, blood pressure, cholesterol, smoking, family
history, etc. Each company has different criteria to qualify for each risk class
and a different rate for each of those classifications. It is entirely possible
to qualify for preferred rates at one company, and standard rates at another
company but the standard rate at that company will be lower than the preferred
rate at the other. With thousands of policies on the books, our experience gives
us the know-how to get you the best plan for your money.
REMEMBER! No one can get you a particular policy from a
particular company at a rate lower than we can. The companies set the rates, not
the distributor or agent.
Our Pledge
Here is our pledge to you. We will do everything in our
power to obtain term life insurance for you at the lowest possible rate, with the
least amount of hassle, and provide you with the highest level of satisfaction.
Term.com works for you. We are totally independent from any insurance company.
Track Record
We have tens of thousands of term life insurance
policies on the
books and have been helping people reduce their insurance costs since 1967.
Because of this experience, Term.com is able to obtain the rate we quote or a
lower rate for over 85% of our applicants. If a lower rate becomes available
during the underwriting process, we order the policy with
the lower rate. This happens on 14% of our business. As always, with
Term.Com you have an ABSOLUTE 100% MONEY BACK GUARANTEE if the
policy doesn't completely live up to your expectations.
If you have any comments or suggestions that can make
Term.com create a better shopping and buying experience please let me know at
any time. The best way for us to improve is through your feedback.
My Pledge
Here is my pledge to you. If there comes a time that you
have a question on your case that has not been handled to your
satisfaction by customer service representative or case manager, please
let me know by email. I will have it handled and a response, answer, or solution
back to you within 24 hours.
Once again, thank you for choosing Term.com. We are the
term life insurance experts.
Bill Zimmerman
President
Term.com
bill@term.com
P.S. Don't forget our 100%
MONEY BACK GUARANTEE. If you are not completely satisfied when you
receive your policy, you may return it within 30 days and your money will be
100% refunded regardless of the reason. You have nothing to lose.
