New no-hassle, no-pressure system to find affordable insurance.

Too many people are underinsured because they fear life insurance is excessively expensive. Let’s be honest – whole life insurance and universal life insurance can be expensive. They may not be the best options for individuals of limited means, or for families with growing children.

That’s why I recommend term life insurance to clients in those situations. Term life insurance is the most affordable alternative. It offers the best of both worlds – security knowing that your family is provided for in case of your death, and affordable cost so your family doesn’t suffer now.

Term life insurance offers benefits only if you pass away during a specific period of time. While you are young and healthy, it is the most affordable type of insurance. In case the unimaginable happens – a fatal accident, a sudden heart attack, a terminal illness – your family is protected.

Life insurance provides the cash for your spouse to pay off the mortgage, and your children to go to college – even if you’re not there. Providing enough life insurance means your spouse can pay immediate expenses and still have a financial cushion to rely on, instead of barely scraping by on one salary.

Finding affordable term life insurance can be a hassle – but it doesn’t have to be.

Some factors that you will want to consider when purchasing term life insurance include:

· Rating of the insurance company

· Price of the term life policy

· Length of coverage

· Right amount of death benefit

· Rider options

Many people are understandably intimidated by the process of finding affordable term life insurance. Who can blame them? It’s annoyingand time consuming to research a number of insurance companies, get quotes from all of them, compare company rankings and compare price and coverage.

In addition, many consumers fear that if they contact a dozen companies, they will have a dozen insurance salespeople hassling them. The sad part is…they’re right. Most insurance salespeople continue to annoy you by constant calling, emails and messages.

Getting quotes online usually doesn’t help. That’s because 99 percent of the websites out there don’t provide online quotes. They take your contact information, and sell it to various insurance sales people. Suddenly, you’ve got a dozen pushy salespeople calling you constantly – and you’re not any closer to finding affordable term life insurance.

The solution is TERMdog.com. Because finding affordable life insurance doesn’t have to be ruff. At TERMdog.com, we’ll search the top insurance companies for you and send you the best prices from the best companies to fit your needs – online. It’s free, it’s confidential and we will never sell your contact information.

Best of all, you have my personal guarantee that we will never hassle you. Using TERMdog.com to find affordable life insurance is quick, easy and painless.

FOR IMMEDIATE RELEASE

CONTACT:

Michael Fry

TermDog.com

1730 Park Street, Suite 218

Naperville, IL 60563

Phone: 630-393-6500

HIGHER TERM LIFE INSURANCE PREMIUMS PREDICTED

Naperville Native Helps Clients Slash Expected Rise in Term Life Insurance Costs

NAPERVILLE, IL-According to Michael Fry of TERMdog.com, term life insurance premiums are predicted to rise 5 to 10 percent over the next year. This is due in part to the higher reserve requirements for life insurance companies. Fry, a native of Naperville and lifetime resident of DuPage County, is concerned about this rate increase. He’s already working to help his clients combat higher term life insurance premiums through his new website, TERMdog.com.

Fry, an insurance professional since 1987, understands the need to save money on term life insurance without sacrificing coverage. He also knows that the average person can be easily confused by the jargon of the insurance world and be mislead into purchasing the wrong policy. That’s why he’s fulfilling a dream to help others cut their insurance costs while providing them with a better understanding of the language of the industry.

At TERMdog.com, Fry offers free easy access to educational articles and an online term life insurance quote system. He also provides answers to frequently asked questions (FAQs), and a variety of relevant information to help site visitors recognize the differences in insurance policies, choose the type of insurance to best meet their needs, and even understand how insurance rates are determined based on health, age and other factors.

Fry has been a top life insurance producer for many years. As the principal of Steward Financial Services, a planning firm that specializes in financial stewardship advice, Michael has also trained other financial advisors throughout the country and has offered free debt counseling to many people referred to him by area churches. He understands the world of finance and the struggle that people face in stretching their money to meet their needs. That’s why he created TermDog.com which focuses on providing money saving services and advice in a simple user-friendly format.

This father of three is very involved in Calvary Church of Naperville, and is a loyal supporter of Junior Achievement.

For more information on Michael Fry or on TERMdog.com, call 630-393-6500.

If you’re just starting to look into getting a life insurance policy or if you’re reviewing your life insurance portfolio, the myriad of choices can be confusing.

Man is Mortal. That makes life insurance a little unique and interesting, doesn’t it? We purchase things like health insurance, car insurance and home insurance, then hope we never have a need to use them. Life insurance is different, because it’s a unavoidable fact that sooner or later, each of us will die.

So many choices. When it comes to life insurance, there are many options. What is the best life insurance policy? You may have heard terms like “whole life insurance,” “term insurance,” “universal life insurance” or “variable insurance.” What does it all mean? And what are the differences?

Well, first let me point out what they have in common: all life insurance policies provide payment to a beneficiary in the event of your death. Except for that basic tenet, the differences between policies can be major.

Let’s consider the basic differences in the types of life insurance policies:

Whole life insurance. This type of insurance covers your entire life (not just a portion or a “term” of it). It is considered permanent life insurance which is used to cover you for your “whole life.” Whole life insurance policies tend to cost more than “term” policies. This is because they grow what is known as “cash value,” and because after a time, you will be able to borrow against, or withdraw from, your whole life benefits to supplement your retirement. Most whole life insurance policies have guarantees on both the cash value and death benefits.

Term life insurance. Rather than covering your whole life, “term” insurance covers a pre-determined portion of your life. Common terms are ten, twenty and thirty years. If you die within that term, your beneficiaries receive a death benefit. If not, you typically receive nothing. To put it simply, term life insurance allows you to purchase more coverage for less money. Basically, you are betting on the probability of your death occurring within that specified “term.”

Variable life insurance. Variable life insurance is a permanent insurance. However, unlike whole life insurance, variable insurance allows you to invest the cash value of your policy in “subaccounts.” These can include money market funds, bonds or stocks. Variable insurance offers a bit of control, as the value and benefit depend upon the performance of the subaccounts you select. However, that means there could be significant risk involved. since the performance of your subaccounts cannot be guaranteed.

Universal life insurance. With universal life insurance, it all comes down to flexibility. This is permanent life insurance that provides access to cash values that build up tax-deferred. You can choose the amount of coverage you feel is appropriate, and you retain the ability to increase or decrease that amount as needs change (subject to minimums and requirements). You also have some flexibility in determining how much of your premium goes towards insurance, and how much is used within the policy’s savings element.

So, which life insurance policy is right for you?

Many factors come into play when deciding what type of life insurance will best suit your needs. The best way to learn what policy is right for you is to give us a call at 630-393-6500. It’s very quick and easy, so let us assist you in looking at all the factors and help you to find the right life insurance policy at the right price for your specific needs.

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.

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.  These guidelines may be different from  each company. If you have any medical conditions that you have questions with regarding your health rate class feel free to call use at 630-393-6500 or email us through the contact us page.

Preferred-Plus Non-tobacco:

Typically for the best risks who meet the Height & weight chart below and these guidelines:

Tobacco Use: No tobacco use in the past 5 years.

Blood Pressure: 140/85 without medication.

Cholesterol: 230 without medication & HDL ratio under 5.0.

Driving Record: No more than 2 moving violations in the past 3 years &
no DUI/reckless driving in past 5 years.

Family history: No parents or siblings diagnosed with heart disease/cancer before age 60 and no history of tobacco use in the past five years.

Citizenship: US Resident for past 3 years (or permanent visa/green card).

Preferred Non-tobacco

Typically for generally health individuals who meet the Height & weight chart below and these guidelines:

Tobacco Use: No tobacco use in the past 3 years (only for preferred non-smoker).

Blood Pressure: 140/85 with medication or 150/90 without medication.

Cholesterol: 250 with or without medication & HDL ratio under 6.0.

Driving Record: No more than 2 moving violations in the past 3 years &
no DUI/reckless driving in past 5 years.

Family history: No parents or siblings died of heart disease/cancer before age 60.

Citizenship: US Resident for past 3 years (or permanent visa/green card).

Standard-Plus Non-tobacco or Regular-Plus

Considered the standard rate for mortality assumptions, this rate is where most individuals are classified. For those who meet the Height & weight chart below and these guidelines:

Tobacco Use: No tobacco use in the past year (only for non-smoker).

Blood Pressure: 150/90 with medication or 155/95 if age 41-60 or 160/95 if age 61 or higher.

Cholesterol: 265 with or without medication and HDL ratio under 6.5.

Driving Record: No more than 3 moving violations in the past 3 years &
no DUI/reckless driving in past 2 years.

Family history: No parents or siblings died of heart disease/cancer before age 60.

Citizenship: US Resident for past 3 years (or permanent visa/green card).

Standard Non-tobacco or Regular

Considered the standard rate for mortality assumptions, this rate is where most individuals are classified. For those who meet the Height & weight chart below and these guidelines:

Tobacco Use: No tobacco use in the past year (only for non-smoker).

Blood Pressure: 150/90 with medication or 155/95 if age 41-60 or 160/95 if age 61 or higher.

Cholesterol: 300 with or without medication and HDL ratio under 8.0.

Driving Record: No more than 3 moving violations in the past 3 years &
no DUI/reckless driving in past 2 years.

Family history: Not applicable.

Citizenship: US Resident for past 3 years (or permanent visa/green card).

Height and Weight

Your build is an important factor in life insurance underwriting. The chart below is an example of the maximum weight for each possible height. First, locate your height and then determine which rate class you fall in based on your weight. Enter the corresponding rate class in the quote form to see how your rate compares from different carriers.

Call: (630)  393-6500
Fax: (866)  334-1369

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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…)

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.