How Do I Choose an Insurance Company?

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 insurance and your personal insurance needs?

If you purchased your life insurance policy through an Internet term life insurance quoting machine, or if you didn’t consider all of the factors involved when a life insurance company sets your premium, you may not have the right life insurance policy to meet your needs. But with some planning, you may be able to improve the life insurance policy you already own.

Let me tell you a dirty little secret about most online life insurance quoting websites… These sites want you to think that they can answer your questions such as “What is the average price of life insurance?” or “How much life insurance do I really need?”

In reality, what many of these life insurance websites are doing is simply selling your personal information to the first insurance agent who’ll pay their fee. And that means any agent.

The insurance agent who purchases your contact information may inexperienced or even unaware of all of the factors involved in determining the best life insurance policy and premium for you. And you could be the one to end up paying for that lack of experience and knowledge!

Insurance companies can have as many as eight different rate classes, and an additional ten substandard rate classes, that come into play when new clients approach them for life insurance quotes.

As an insurance adviser, I’ve found that most people who were quoted a life insurance premium from an agent without all of the pertinent facts were misquoted by as much as three to five rate classes. That creates a huge difference in your insurance costs!

That’s why it’s so important that many different factors be taken into consideration when your agent is preparing your life insurance quote. You deserve an insurance agent who will work diligently to meet your life insurance needs. Don’t settle for anything less.

Get started with your free life insurance quote or life insurance review right now, or call me at 630-393-6500.

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Testimonials

The whole experience was virtually ideal. I’m very busy and didn’t have time to visit an agent’s office and spend a lot of time on the phone. With TERMdog’s online quoting, I was able to make my own decisions about the level of coverage without being pressured by an agent. Once I had decided to move forward, they handled the whole process very professionally and expediently. I not only highly recommend TERMdog, but I plan to use them for future insurance needs.

For the record, I’m not being compensated or otherwise rewarded for telling you about this. I realize some bloggers get paid to express opinions. That’s not the case here. I’m absolutely a TERMdog.com fan. You will be too!

- David J.,  Sarasota, FL


TERMdog.com and Mike Fry have been great to work with during the process of finding the right life insurance policy to protect my family. His professionalism matched with expertise makes TERMdog.com and Mike the best at what he does.

- Jeff  D., Oswego

We have been using the services of Mike Fry for several years. We are very pleased with his personal treatment of us. We especially appreciate his honest, ethical and moral character in all his dealings. We highly recommend him.

- Dan & Jan G., Addison


I have had a 20 year relationship with Michael Fry. He has assisted my wife and me in our own financial planning and could not be happier with our level of trust, comfort and performance. As a consummate professional, he is a master teacher of the craft of finances, a listener to our own goals and dreams and has a gift for finding the perfect fit for each situation. I especially appreciate the attention to detail that Mr. Fry takes with our total financial picture, making sure we are properly protected.

- Ned Gulbransen, Warrenville


There are so many avenues to take when making a decision to invest or set up your future. You have to trust someone when putting that into their hands to handle. Mike Fry has been honest since the beginning, even turning the business away if it benefited me the most. I expect a lot when dealing with a consultant because I am one! A testimonial like this usually ends with a clichéd statement like "Now I rest easy at night knowing it is all taken care of." I hate to follow suit but it is true. Dealing with Mike you KNOW that everything is taken care of and issues are handled before they’re an issue. That’s what good business should look like.

- Chris L., Oswego


I really appreciate your time and wise council with my parents today. You are very good!

-Ken W., St. Charles


In the years we’ve been with Mike Fry, we’ve learned to trust him and appreciate all he has done for us. Even though our money is limited, he treats us with respect.

He patiently explains the choices (sometimes more than once!) to help us be comfortable with our decisions, while taking the time to answer our questions.

We have recommended Mike to our friends and will continue to do so.

- Wilbur & Mary P., Warrenville


I have known Mike Fry for about 10 years. I met him at a seminar he was hosting at the Plainfield Library. My husband who had a stroke a few years prior was not able to help with decisions about our financial future. I felt a trust and sincerity from Mike. When my husband died it was Mike that helped through all of my financial turmoil. I can call him at any time and he is always ready to help me.

Mike Fry is a kind and compassionate human being. I would recommend his services to anyone.

- Mickey D., Plainfield


Mike’s thoroughness sold us. He took much time to explain all of our options in easy to understand terms. The changes that we have made have all gone smoothly.

He always has time for phone calls or to meet as needed and has a terrific personal touch that makes us feel special.

- Sue & Scott S., Oswego


Mike Fry listened to our troubled financial history with compassion and without judgment. HIs wise counsel helped our family to get out of debt and begin to rebuild a stronger financial future. His teachings have helped us to pass on a stronger financial legacy to our children.

- Donald & Terri C., Sugar Grove


As a CPA for over 31 years, I have learned to be very careful in who you recommend to your clients. With Mike Fry, I know that my clients are in good hands. He elegantly listens to the client to understand their concerns and what they want to accomplish. I know that I am able to depend on his honest, reliable advice and counsel.

- Howard T. Kaufman, CPA/PFS, CFP, CSA, Buffalo Grove


Thank you very much for the excellent power point presentation to the Financial Foxes Investment Club. We all truly enjoyed the presentation. We are grateful that Katy F. invited you.

- Lucy A., President, Aurora


Thank you for the "How to Keep Fit" book and also for answering all of our questions so well.

- Bill & Helen S., Orland Park


I have had a very rewarding personal and professional relationship with Michael Fry over the last several years. His approach to business is like a breath of fresh air, he always returns his call or email in a timely manner with full detailed answers and sound business advice!

- Ed & Mary P., Romeoville


All the other brokers offered very similar products. Mike’s products were all different from the others and more in tune to my personal needs and likes. I am very pleased with the package he has developed for me. I highly recommend him to all my family and friends. He is a hardworking, caring and honest man.

- Mary Jean S., Winfield


Michael Fry has been my advisor since May, 2001. I am pleased with his dedication to helping me and I am confident in his advice and recommendations.

- Alex & Goldie B., Naperville


My wife and I have worked with Mike Fry for over ten years. We have been extremely pleased with his knowledge, advise and service. We have always appreciated his warm personal service. When we have had a problem or question, he has been readily available to us.

- John & Janis P., West Chicago


Michael Fry has been an excellent source of financial advice and problem-solving, presenting a variety of sound, personalized options for our retirement. He provides a comfortable atmosphere for discussions and is adept at leading us to an improved understanding of the positive and negative implications of various plans.

- Doug and Margo J., Winfield

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Insurance Companies

This is a partial list of the top life insurance companies that we quote and work with.

Allianz Life Insurance Company of NA
American General Life Insurance Company
American National Insurance Company
Ameritas Life Insurance Company
Aviva Life and Annuity Company
AXA Equitable Life Insurance Company
Banner Life Insurance Company
Cincinnati Life Insurance Company
Columbus Life Insurance Company
Fidelity Life Association
Genworth Life and Annuity Insurance Co
Guardian Life Insurance Co of America
Jackson National Life Insurance Company
John Hancock Life Insurance Company USA
Liberty Life Insurance Company
Lincoln Benefit Life Company
MetLife Investors USA Insurance Company
Midland National Life Insurance Company
North American Company for Life and Health Insurance
Ohio National Life Assurance Corporation
Pacific Life Insurance Company
Principal Life Insurance Company
Protective Life & Annuity Insurance Co
Pruco Life Insurance Company
ReliaStar Life Insurance Company (ING)
Sagicor Life Insurance Company
Savings Bank Life Insurance Co of MA
Transamerica Life Ins Co 
Union Central Life Insurance Company
West Coast Life Insurance Company
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Process

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About Us

Mike Fry

Hi, I’m Michael Fry, Mike to my friends. As the owner of TERMdog.com, a service of  Steward Financial Services, I want to help you find the best price on the best policy that best meets your term life insurance needs.

As a financial & insurance advisor since 1987, I understand your need to find the easiest, most affordable and most reliable insurance solutions. My associates, David Bankston and Trent Davis, and I know the insurance field. We know your concern is to find term life insurance at the lowest price possible with no sales pressure and no hassles. That’s why we’re here.

As Top Dog in the term life insurance field, my goal is to be able to communicate complex insurance concepts to my clients using terms that the average person can easily comprehend. I want to  help you truly understand your insurance needs and how the proper insurance will provide you and your family with ongoing security.

And in choosing David and Trent to help me reach that goal, I believe I’ve added tremendously to TERMdog’s skillset and knowledge.

Dave Bankston CPA, is an experienced financial & insurance advisor with a heart for helping people better understand the complex language of life insurance, annuities, and other concepts through financial consulting and education. He and I have worked together for many years assisting our clients in this important area.

Trent Davis comes to TERMdog after having mentored hundreds of successful financial advisors, agencies and marketing companies with an understanding of the advisors’ need for a consumer friendly approach in our ever-changing economy. Trent sincerely believes that “If the consumer is happy, everyone is happy.” And his goal is to do what he can to ensure that happiness for TERMdog clients.

This understanding and experience is what makes TERMdog stand out from all the other term life insurance sites you may encounter.

Most other term life websites are owned by Internet marketers or entrepreneurs. Those sites simply collect leads that they, in turn, sell to insurance agents. And they’ll sell those leads to the first agent with cash, regardless of the client’s need. You, as a prospective client, could be “sold” to someone brand new in the business, or to someone you know absolutely nothing about.

When you deal with TERMdog, on the other hand, you know you’ll receive help from trustworthy, experienced insurance advisors. That’s a major distinction.

As insurance professionals, the TERMdog pack will counsel you and guide you all the way through the insurance buying process. And as the owner of TERMdog, I will do my best to ensure your questions are answered and your life insurance needs are met.

I want to do more than sell you insurance. I want to be your best friend for life.

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