Life Insurance Is Baffling We Make It Effortless
Quotes In Under 30 Sec | Top Rated 50+ Insurers | Benefits From 10K To 10M
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We Specialize In Providing The Coverage You Need
Not all policies are created equal, and not all consumers have similar needs.
Term Life
Often called “pure insurance” because it’s intended only to protect your dependents in case you die prematurely.
The greatest death benefit for the lowest premium
The premiums remain the same throughout the contract’s duration
The most common terms are 10, 15, 20, and 30 years
Term insurance is significantly less expensive when compared to whole life
No Exam
It’s a type of coverage that doesn’t require a clinical examination as a part of the underwriting process.
You need life insurance immediately and don’t want to delay
You simply want to avoid going through a physical exam
You can have coverage in force within days instead of weeks
The coverage can be anywhere from $50,000 up to as much as $500,000
High-Risk
What defines a high risk category? Four categories are regarded as high-risk. They include:
Illness: serious or terminal disease such as diabetes, cancer or a stroke
Activities: such as scuba diving, skydiving or racing cars
Professions: such as firefighters, miners, pilots, and underwater welders
Habits: cigarette smoking, cigars, or being overweight
For The Super Healthy
For those who have zero health issues, using an instant life insurance quote engine is effortless. Just select the Preferred Plus health class. For the rest of us, you need to choose a carrier that will look most favorably at your unique condition.
The reason is that all life insurance carriers evaluate your health in various ways. Using the instant quote isn’t recommended if you have any health issues.
Sample Rates
By reviewing the sample life insurance rates by age, term and coverage, you can estimate quotes before applying.
We believe it’s a fair business practice to show all estimated rates without asking for your personal information.
Let Us Help You Find The Right Policy For You
A broker represents the client, not the insurer. Don’t get trapped dealing with just one company.
You will not find a lower premium rate
Despite what you may have heard, Prices are fixed by law, which means no broker can offer you a lesser rate for the same plan. Choosing the wrong plan may lead to higher premiums.
We represent over 50 companies
We work for you, not the insurance company, which is why we represent all companies. Be skeptical if an agent represents only one company. This limits your choices.
Nothing is ever hidden from you
In today’s online world, most businesses are hiding behind a computer, and it can take days to get a reply or a call-back. You will always be able to reach us at 866-326-3053 or Email Us.
Less daunting underwriting process
Our brokers are trained and seasoned in guiding you through this specialized process, to make sure you get the best rates possible, even if you are a high-risk individual. Read our reviews.
It’s free! we get paid by the insurance carrier
There is no cost to you for using a broker to help you through this process. Because we get paid by the insurance carrier, you get our knowledge, our experience, and our help all for free.
When we say no sales pressure we mean it
We are not a call center that is under the monthly guillotine quota, and you are not just a number to us. We would rather present all options without using high-pressure sales techniques.
Choosing The Right Broker Is The Key To The Best Policy
Prices are fixed by law so why go elsewhere to find the lowest quote.
One might think choosing an insurance broker should be an effortless process. Select the one that offers you the lowest price, right? Well, that’s certainly not the case. Rather than submitting applications with eight different carriers, use a broker who has extensive knowledge in dealing with your distinct health condition to place you with the appropriate carrier with the highest chance for approval.
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