When you are drowning in debt…

that is when you need term life insurance the most. Here’s why…

During these trying economic times, many Americans are asking, “Where’s my bailout?”

The government now owns General Motors and has spent trillions of dollars rescuing AIG and banks like Countrywide, but it is still up to each of use to create our own family bailout plan.

Term life insurance is an essential part of your family’s bailout plan. When times are tough, that is when you truly need the essential safety net that life insurance provides.

Over many years in the insurance industry, I’ve counseled hundreds of families who were in debt. Some of them were having severe financial problems and even considering bankruptcy. One of the things I’ve learned is that when you are drowning in debt, that is when the need for term life insurance is the greatest.

When the economy is booming, many families have generous savings accounts, a number of investments including their 401k, stocks and bonds. Often, both spouses are working. They have plenty of equity in their homes and may have other assets such as expensive cars or fine jewelry that they can sell if necessary.

A family in that position needs term life insurance, but they are in a far better position than a debt-ridden family. They have good credit that can tide them over – at least for a short while — if tragedy strikes. They can raise cash or raid the savings account if they must, or take out a home equity loan.

All of those alternatives disappear when families are deep in debt.

When times are tough, one spouse may be unemployed. Jobs are hard to find in this economy, and good jobs are even harder to find. Families are less likely to have extensive savings. Their 401k accounts may already have been tapped for emergencies. If the breadwinner passes away, the loss of income combined with financial pressures can be catastrophic.

The debt-ridden family needs the safety net that term life insurance provides, more than ever. When times are tough, the relatively small amount of money spent on term life provides a world of security for your family.

We all know that we should have health insurance all the time, but especially when we are sick. By the same token, term life insurance is always important – but especially so when we are facing debt or financial problems.

Don’t delay – take this important step to protect your family by purchasing affordable, hassle-free life term insurance coverage today at www.termdog.com.

NAPERVILLE, IL–(Marketwire – September 22, 2009) – A revolutionary new process allows consumers to compare term life insurance costs online just as they would auto insurance — quickly, conveniently and in the comfort of their own home. Better yet, TERMdog.com promises that they will never sell consumers’ contact information.

Until recently, finding affordable life insurance online was very difficult. Websites promised “online term life insurance quotes” but did not deliver. Instead, they simply collected customer information and sold it to the highest bidder. Unwary consumers were besieged with annoying salespeople constantly calling, mailing and in some cases even knocking on their doors.

That has all changed with the introduction of TERMdog.com. The site checks term life insurance rates at more than 100 companies to ensure that customers receive the best prices. Rates can be up to 70% the price that consumers are currently paying. Results are customized for each buyer, taking into account the customer’s age, location, sex and other important factors.

Consumers are understandably intimidated by the process of locating affordable life insurance. While many websites have promised to streamline the process, none of them delivered until now. TERMdog.com eliminates the need for a buyer to contact dozens of insurance companies, get term life insurance quotes from all of them and compare price and coverage.

Even more important, using TERMdog.com ensures that consumers will never be hassled by high-pressure insurance sales techniques.

TERMdog.com is the brainchild of Naperville, Illinois insurance agent Michael Fry. After years in the insurance industry, Fry realized that the websites available to give consumers term life insurance quotes just weren’t good enough. They promised too much and delivered too little. That’s why he created TERMdog.com.

Michael Fry is a father of three who is active in his church and community events including Junior Achievement. For more interviews or more information see www.TERMdog.com or contact him at 630-393-6500.

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.

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.

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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.