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Because Affordable Life Insurance Shouldn’t Be So RUFF!

Entries for the ‘Underwriting’ Category

How Do I Choose an Insurance Company?

Apr.10, 2009 in Term Life Insurance, Underwriting

While many of my customers are concerned about the cost of life insurance, not everyone realizes the vast differences in individual life insurance companies.
Have you considered the financial strength of the life insurance company you plan to do business with?
What about their customer service?
Or their ability to answer any questions you may have about life [...]

Health Rate Class Guidelines

Mar.30, 2009 in Underwriting

Typical Health Rate Class Guidelines
Life insurance policy underwriting is custom-tailored to your particular circumstances and the underwriter places you into one of the following categories based on your expected mortality. Use this as a guideline to prepare your term life insurance quote; your final health rate class may differ based on the insurance company’s underwriter. [...]

TermDog Privacy Policy

Information Collection and Use We collect information at this website on our own behalf, and on behalf of our customers, so that they may respond to our users' requests for life insurance assistance. We will not sell, share, or rent this information to others in ways different from what is disclosed in this statement. We collect personally identifiable information at several different locations on our website: Insurance Application Request When requesting assistance from TermDog, a user is required to give their contact information (such as name, phone, and email address). This information is used to contact the user to provide the requested assistance. It is optional for the user to provide additional information (such as age, gender, and health information), but encouraged so the agent can more readily respond to the user's request for assistance. All Insurance Request information can be at time shared with a insurance carrier or wholesaler to determine insurability, this would be a third party customer of Term Dog, so that the agent can provide the requested assistance. Contact and Service Requests When filling out our contact or service request forms, a user is required to give their contact information (such as name, phone, and email address). This information is used to contact the user to provide the requested assistance. Links This web site contains links to other sites. Please be aware that we are not responsible for the privacy practices of such other sites. We encourage our users to be aware when they leave our site and to read the privacy statements of each and every web site that collects personally identifiable information. This privacy statement applies solely to information collected by this Web site. If you have any questions about the security at our website, you can send an email using the contact us page. Log Files We use Internet industry standard practices using IP addresses to track visits, analyze trends, and gather broad demographic information for aggregate use. IP addresses are not linked to personally identifiable information. Cookies We do not use cookies, unless you arrived at our site from one of our affiliate sites, in which case we may use a cookie to record the web site from which you arrived. This cookie is only used to give the proper credit to the web site that referred you to our site. Usage of a cookie is in no way linked to any personally identifiable information while on our site. Choice/Opt-out We do not share users' information, except for the purpose of servicing the user's request, as indicated in this policy under "Insurance Request." If a user does not want this information to be shared, the user should not fill out the request form. The user can still use all of the other services provided at our website, including a personalized rate estimate that does not require the use of personally identifiable information. Notification of Changes If we decide to change our privacy policy, we will post those changes at our website so our users are always aware of what information we collect, how we use it, and under what circumstances, if any, we disclose it. If at any point we decide to use personally identifiable information in a manner different from that stated at the time it was collected, we will notify users by way of an email. Users will have a choice as to whether or not we use their information in this different manner. We will use information in accordance with the privacy policy under which the information was collected.

Please click here to read the TermDog Disclosure

Birthdate:
Gender:
Tobacco User:	(last 12 months)
Health Rate Class:	Click for help.
State:
Insurance Term:
Insurance Amount:	How much do I need?
Premiums Paid:

Because Affordable Life Insurance Shouldn’t Be So RUFF!

Entries for the ‘Underwriting’ Category

How Do I Choose an Insurance Company?

Health Rate Class Guidelines

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Insurance 101

TermDog Privacy Policy

TermDog Disclosure