Many sites often do not sell policies at all. Instead they sell your
information to one or many local agents. You will never know if you got
the best price for your rate class.
"Make No Mistake"
We offer more companies to insure the best rates possible.
There is never a credit card or voided check required unless you are
applying for no-exam insurance.
You never have to pay for your para-medical exam.
Recognize The Difference
Valid sites should display the broker's name and a listing of the
states, the broker is legally licensed and
appointed to conduct business in.
We Follow A Strict Ethics Code
Take advantage of instant quotes. A ten day right of refusal
Explore The Best Rates!
Spreadsheet all of our top companies' rates now!
Have Medical Conditions?
Even having a family
history of heart disease will cause you to pay a higher
Applicants with childhood type I diabetes will pay higher rates. They
will have some trouble finding a company that will insure them.
Adult-onset diabetes that is managed by medication or diet, obtain
The type of cancer, the severity and
treatment received affect your premiums.
Because other health conditions follow obesity,
insurers take your weight into consideration.
Have an Impaired Risk?
Do You Participate In A Hazardous Hobby? Declined?
Just complete our simple Questionnaire! or
Ask The Doc
How It Works
All policies have four
The insuring company. The policy owner. The insured individual. The
beneficiary. The company, by contract, pays a death benefit to the
policy's beneficiary upon the death of the insured if the policy is
in-force at time of death.
Coverage can be obtained for 1, 5, 10, 15, 20, 25 or 30
Return of premium or no exam policy types, and
comparisons are made available by over 40 top rated
Your Buying Experience... We Make It as Easy as
1) Understanding Your Needs!
Find specific solutions for your cash needs and financial
responsibilities. Establish an
estate. Explore the buyer's
guide, and use our
needs calculator to determine your needs for yourself,
family, or business. Term or permanent, which one should I buy? Look at
decision chart to help make a decision.
2) Find Out How Much It Will Cost! Premiums
vary greatly between underwriting classes.
Applicants should always consider and be willing to accept several rate
class possibilities. Underwriters will always place an applicant in the best possible rate class
given their informational findings.
3) Applying Made Easy!
Quick Quote Technology allows you to
choose your desired company and insurance
plan. Then you can complete our short
online application request.
Why The Need For Life Insurance
Credit Card Payments
Car and Other Loans
Medical Costs Incurred
Planning to meet the financial needs of your survivors is one of the
most important and fundamental steps in creating a sound financial plan
for you and your family.
This step may require the purchase of a life insurance policy to ensure
that your family's needs will continue to be met.
An untimely death will cut off your earnings potential.
Most important it is a unilateral contract.
Unilateral contracts allow only one person to make a promise or
agreement. An insurance contract is a unilateral contract because
only the insurer has made a promise of future performance and only the
insurer can be charged with breach of contract.
a few minutes to learn about why you need life insurance.
We look forward to working with
What It Is
Contractual provisions form the policy contract. The content below is general and may differ by company and/or by policy filing.
GENERAL CONTRACTUAL POLICY PROVISIONS owner and beneficiary, assignment, misstatement, suicide, incontestability, payment of proceeds, amount of the death proceeds, and nonparticipating.
PREMIUM POLICY PROVISIONS defines procedures for payments, refund of premium, grace period, reinstatement, and change of premium.
POLICY RENEWAL, CONVERSION, AND EXCHANGE POLICY PROVISIONS policy renewal, conversion, and exchange.
NON-FORFEITURE POLICY PROVISIONS elected by written notice during the Insured's lifetime. Includes: policy surrender, paid-up insurance, extended term insurance, automatic option and basis of values.
POLICY LOANS POLICY PROVISIONS conditions for a cash loan, automatic premium loan option, deferral, interest and replacement.
ENDORSEMENT allow owners to modify standard forms by attaching endorsements preapproved by counsel.
SETTLEMENT PAYMENT OPTIONS POLICY PROVISIONS describe Income, Income With Period Certain, Joint Income, Payments for a Fixed Period, and Proceeds At Interest.
GENERAL CONTRACTUAL POLICY DEFINITIONS defines the terms used in the contractual policy provisions.
We have a highly trained and licensed professional staff. We specialize in all aspects of this discipline.
Included are, Term, Universal, and Permanent Policies, as well
as Final Expense. We guide our clients on issues involving
Personal Family Protection, Estate Planning and Estate Conservation, Business Planning
to include, Buy Sell Agreements, Deferred Compensation, and Executive Compensation. We offer spreadsheets
from Top Rated Companies.
We help you decide what type of policy is best for your goals and objectives.
Companies offer 5, 10, 15, 20, 25 or 30 year policies that can include a return of premium plan options. Some plans offer no exam underwriting for your convenience.
We provide consumers with helpful information, find the right life companies, and gives them the opportunity to receive free instant quotes.
The content contained on this insurance website is for informational purposes only. It
is intended for consumers who are shopping and wanting to learn more. We do not endorse any particular carriers. We
work for you and simply provide factual
insurance information. We let you decide if you want to speak with a professional agent to help with your needs. Premium rates displayed on this website are for informational purposes only. Actual rates
are based on many factors one of which is the applicants health.
Tale Of Two Agents
An agent working exclusively for a single
firm. He or she is obliged to submit business only to that firm,
or at least give that firm first rights of refusal on the case.
Captive agents that are non-established are usually paid on a
combination of salary and commissions earned from selling the
policy contract. Also, the firm usually provides its captive
agents with an allowance for office expenses as well as employee
benefits such as pensions, life insurance, and health insurance.
The established captive agent is usually paid
exclusively on a commission basis. This type of agent will
tend to have more in-depth knowledge of that firm's policies,
however, he or she will hardly ever be equipped to offer the
industries' best price on any particular product offering.
Independent Agent Broker
Simply said, independent agents are
appointed to sell policies from many insurers. The agent is
independent from all insurers thus, the independent agent's
responsibility is solely focused on evaluating the client's
needs and the pricing of the product chosen.
While searching for the brokerage market's best place for a
client's business, independent agents pay all their own expenses
and keep their own records and earn their income from brokerage
commissions on the policies they sell.
Definitions helps to become more
knowledgeable of term life insurance and permanent life insurance.
Term Life Insurance what it is,
how does it work- Instant Quotes, traditional - return of premium -
Toll Free 888.587.8511
Mon.-Fri. 9-5 ET
Policy Service Phone Numbers
See which company is most suitable for your needs
American General Term Life
RBC - Liberty
Long Term Care!
Paramedical Exam For Your
Return of Premium
Term Life Insurance: AIG Chase Fidelity & Guaranty
Estate Planning Info You Can Use
Life Insurance is for the Living
License #'s: for Lewis
Why should I choose Term Life America?
We started our life insurance and estate planning
business in 1976. We offer to shared our knowledge to
obtain your goals and objectives. We provide our clients
with the best life insurance choices available, and at
generally the lowest premiums that A-rated or better
companies have to offer. We offer both
insurance products and work with
underwriters. We establish the best selection of plans
for both families and businesses. We've designed our
state-of-the-art program specifically to be the fastest and easiest way
to purchase the life insurance coverage you need.
Market Conduct Principles And Ethics
1. We conduct business according to a high standard of honesty and fairness. We render our service to our customers in the same manner which we would demand of ourselves.
2. We provide competent and customer focused sales and service
3. We engage in active and fair competition.
4. We provide advertising and sates materials that are clear as to purpose; and honest and fair as to content.
5. We provide for fair and expeditious handling of customer complaints and disputes.
6. We maintain a system of supervision and review that is reasonably designed to achieve compliance with the Health Insurance Portability and Accountability Act (HIPAA).
Find us on Facebook
Find us on
us on Twitter