TERMdog.com, Digging up savings!

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.

Have you ever wondered how much life insurance costs? As an insurance advisor, I am asked this question on a daily basis. There are so many variables that make up the cost (or premium) of a life insurance policy that it’s hard to define what life insurance might cost without some explanation.

Factors that affect the potential cost of life insurance include the amount of coverage you are seeking, the length of time you want the coverage to last, your overall health, family history and age, and whether or not you are a tobacco user.

Other variables that are just as important but which most people are not aware of include your occupation, whether you are involved in any dangerous hobbies such as a flying airplanes, hang gliding or mountain climbing, and even your financial net worth and annual income. All of these considerations are taken into account when an insurance company is deciding what life insurance premium to offer you.

The most important component of the premium, however, is the purpose for purchasing the policy in the first place. Are you looking for maximum coverage to care for your family in the event of your premature death (I have often wondered how many deaths were right on schedule)?

Or are you looking for cash accumulation in addition to the death benefit to give yourself a tax-free retirement income?

Are guarantees important to you?

Are you funding an Irrevocable Life Insurance Trust or a Special Needs Trust?

Or do you just want your mortgage paid off?

All of these are questions your life insurance advisor might ask. As you can see, answering the question, “How much does life insurance cost?” isn’t as easy as it first seems.

That’s why we offer a personalized life insurance quote to make it easier for you! Take yours now to get a better answer to the question of how much your life insurance policy will cost. Start by completing the information in the yellow box in the upper right corner or give us a call at 630-393-6500.

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

(more…)

AT LAST……. Affordable Term Life Insurance

At TERMdog we understand that when you’re looking for an online term life insurance quote, you’re not looking for a hassle or a high-pressured sales pitch.

We understand that when you want a quote for term life insurance, you want a quick, simple solution to help you find the best price available in the easiest way possible.

And we understand that when you’re searching for a term life insurance quote online, you expect to accomplish all this through an easy-to-use, easy-to-navigate website that answers all your questions and provides excellent customer care.

That’s what we offer.

TERMdog provides you with a simple, no hassle, term life insurance quote to help you find the most affordable rate. We do this by comparing term life insurance policies and rates from the top companies. All with just a few keystrokes from you.

Not all term life insurance websites are owned and operated by insurance advisors like TERMdog is. Many are run only by Internet marketers and entrepreneurs who are simply trying to make a buck by selling insurance leads.

TERMdog is different.

Our decades of experience as insurance advisors and professionals promises you the best customer care you’ll find with any term life insurance company. But you don’t have to believe us. Read what some of our clients have to say.

We’re not here to pressure you or hassle you. We’re here to help. So browse the site. Learn more about us. Discover the companies we work with. Contact us if you have questions. Or fill out our simple online form for a free term life insurance quote.

Let TERMdog dig up your savings and prove to you we mean it when we say… We want to be Your Best Friend for Life.