term4sale.com, the Most Unbiased Term Life Insurance Comparison on the Web
Nicholasville, KY (ContentDesk) March 24, 2006 -- In 1998 Compulife Software, Inc. launched a web based term insurance comparison service called Term4Sale. The web site is the most objective source of rate comparisons for term life insurance.
www.term4sale.com allows comparisons of over 125 life insurance companies. Compulife is committed to including every term policy available in the market, regardless of how it is sold.
Term4Sale's website is very fast and easy to use.
The service is free to consumers who do not have to disclose who they are in order to compare insurance premiums.
For more than 23 years Compulife has provided term life insurance comparison software to insurance agents/brokers.
Agents pay Compulife an annual fee to obtain Compulife's more powerful agent software together with regular term rate updates.
The Term4Sale website uses the very same term data that Compulife provides to agents.
Compulife president Bob Barney emphasizes that neither Compulife nor its wholly owned subsidiary Term4Sale, Inc.
receive compensation from the sale of any life insurance policy. Barney argues that this makes Term4Sale unique and the most unbiased source of term insurance price comparisons found anywhere on the Internet.
By comparison most insurance comparison web sites are operated by those who sell insurance and who have a stake in the outcome of an insurance sale. Term4Sale urges consumers to buy term insurance from agents who use the Compulife comparison software. Barney believes that a comparison minded local agent can provide both competitive products and personalized service at no additional cost.
Consumers can obtain the names of three Compulife subscribers at the click of a button at www.term4sale.com.
Barney explained, We give three names to consumers because no one can guarantee that any one agent gives the best advice. The only way for a consumer to make sure that they are
getting good advice is to get more than one opinion and compare what the different agents are recommending. That's true no matter what kind of product you are buying. Agents and/or their employers earn money through the commissions already built into the price of policies. Premium rates are set in advance and filed with insurance regulators.
Premium rates are not negotiable.
Regardless of how a consumer buys the policy, the insurance company has built the sales costs into the premiums. Barney explained, Some Internet insurance services suggest consumers can pay less by avoiding an agent. Consumers need to know that no one can sell life insurance without a state license.
Therefore, whether a consumer deals by phone or in person they are dealing with an agent. Barney argues that if consumers can't save money based on who they buy from, then it makes sense for consumers to take advantage of a local agent's personalized service.Compulife subscribers are listed free at the web site.
Those wanting more than a free listing can purchase additional listings for a nominal fee of $1 per month per listing.
Compulife requires the agent to be either a local phone call or toll free phone call from the zip code that they are listed in.
www.term4sale.com provides further information and advice to consumer about what to consider when buying term life insurance.
The web site also provides complete details of how agents are listed at the site..
Save Money By Getting A Term Life Insurance Quote Online
When deciding or choosing what life insurance is best for you, you can avoid feeling pressured into a policy by searching for a term life insurance quote online. The service is terrific and it can be a fast turnaround because you control how fast or slow the process can be. Getting a term life insurance quote online is as simple as the click of the mouse. With so many life insurance companies now operating on the Internet, all you have to do is log onto the various sites and check out the rates for term life insurance.When you check for a term life insurance quote online, you do not have to pay for the quote. This service is free and you should request quotes from at least three different companies.
This way you can do a comparison of online life insurance quotes. Each of the companies has a form that you fill in and they will respond to you with the quote- usually in less than 24 hours. Some of the required questions you will have to answer to get a term life insurance quote...
Save Money By Getting A Term Life Insurance Quote Online
Term life insurance > Save Money By Getting A Term Life Insurance Quote Online
What is Life Insurance?
Life Insurance is an insurance policy that provides an agreed amount of cover over an agreed term, so that should you die during the policy term, a lump sum is paid out. Life insurance is considered as the cornerstone of financial planning. It is a cost effective way to provide for your family after you are gone. Many of us will at some stage in our lives have the need for life insurance. Life insurance is an agreement between you and an insurer and under the terms of a life insurance contract, the insurer promises to pay a certain sum to a designated beneficiary when you die, in exchange for your premium payments.
This may give you peace of mind that, should you die during the policy term, your family would have some financial security.The most common reason for buying life insurance is to replace the income lost when you die. For example, say that you work, and that your income is used to support yourself and your family. When you die and your income stops the life insurance...
What is Life Insurance?
Term life insurance > What is Life Insurance?
Common Mistakes To Avoid When Purchasing Term Life Insurance
When purchasing term life insurance, there are a number of factors to consider. Consumers should make certain they understand the concept of term life insurance and make purchases accordingly. Here are a few of the most common mistake people make when buying term life insurance policies:1. Buying a term life insurance policy because it is inexpensive. While the price may be cheap, you must make sure that the policy will meet your life insurance needs.2.
Failing to realize that term life insurance is temporary. A term life insurance policy will only be in effect for a set period of time. After that time expires you will need to renew, and if your health has deteriorated in that time it may be very difficult for you to obtain another policy.3. Purchasing life insurance from an unknown or unstable insurance company. If the insurance company you choose does not have at least an A rating, walk away and look elsewhere.4.
Buying life insurance from an over-anxious agent. If the...
Common Mistakes To Avoid When Purchasing Term Life Insurance
Term life insurance > Common Mistakes To Avoid When Purchasing Term Life Insurance
All About: Affordable Term Life Insurance
Term Life Insurance provides a specified amount of money to your dependents if you die, to cover costs like a mortgage and education.
The term is determined when you sign up for insurance.
Term Life Insurance is cheaper to purchase than whole life insurance because a payment is only made if you die before the end of the term.
The proceeds from term insurance cover are paid to your beneficiaries without the deduction of any federal taxes.
You usually pay a fixed premium for the entire duration of the term.
However, since there is no investment component with this type of life insurance, you do not build equity.
People who are younger and in better health, particularly non-smokers and people in the normal weight range for their height and gender, typically get lower premium quotes.
And because the incremental cost of getting all the coverage you may need is very small, it is better to focus on getting this coverage instead...
Term life insurance > All About: Affordable Term Life Insurance
Group Term Life Insurance
Employee benefit plans help retain your skilled employees and recruit people who can make significant contribution to your company's profitability. Life insurance benefits form a key element of any employee benefit plan. This is the most sought-after benefit as it ensures the financial stability of the dependents in the event of the employee's death. A group term life insurance offers the employer an affordable way to provide financial security to the employees' dependents in the unfortunate event of their death.
Group term insurance may include disability coverage and/or accelerated death benefit and the employee can make his/her choice.
Insurance companies across the nation will offer flexible plans to suit company culture, employment policy and the financial obligations. The plans are tailored to the company's requirements with a variety of consumer-friendly features and options designed to meet the needs of the employees. A multitude of flexible plan options...
Group Term Life Insurance
Term life insurance > Group Term Life Insurance
Term Life Insurance Quotes for Singles
Term life insurance quotes are rarely a concern of single people, but they should be. Unfortunately, there is a misconception that term life is something owned only by families in the event that the chief breadwinner dies.Term life insurance quotes and policies should be on the minds of everyone, not just parents and families, for a couple of reasons.Mortgage Life InsuranceWhile people are still getting married and buying homes, the same is true of many single people. For single individuals who own a home, getting life insurance through comparison shopping is important.If a property owner dies without insurance, the bank who handles the mortgage, would take back the home and sell it as quickly as possible in order to recoup their loss. Imagine how heartbreaking that could be for the person's family.However, if the owner had simply investigated the cost of a term life policy, he or she could have found an affordable policy that would have allowed their loved ones to pay off the mortgage...
Term Life Insurance Quotes for Singles
Term life insurance > Term Life Insurance Quotes for Singles
Term Life Insurance Quotes for Singles
Term life insurance quotes are rarely a concern of single people, but they should be. Unfortunately, there is a misconception that term life is something owned only by families in the event that the chief breadwinner dies.Term life insurance quotes and policies should be on the minds of everyone, not just parents and families, for a couple of reasons.Mortgage Life InsuranceWhile people are still getting married and buying homes, the same is true of many single people. For single individuals who own a home, getting life insurance through comparison shopping is important.If a property owner dies without insurance, the bank who handles the mortgage, would take back the home and sell it as quickly as possible in order to recoup their loss. Imagine how heartbreaking that could be for the person's family.However, if the owner had simply investigated the cost of a term life policy, he or she could have found an affordable policy that would have allowed their loved ones to pay off the mortgage...
Term Life Insurance Quotes for Singles
Term life insurance > Term Life Insurance Quotes for Singles
A Guide To Affordable Term Life Insurance
Term life insurance provides you with a more affordable opportunity to ensure you mortgage payments in the unfortunate event of your death. Even though they are offered for a limited time-period, but you can always match them up with your mortgage payment cycles of 10 or 20-year contracts. For the budget conscious, this definitely seems to be a smarter alternative for a low cost death benefit.
Insurance companies offer cheap term life insurance policies with different contract time periods, conversion credit during the first five years and transferable waiver of premium.
Affordable alternatives are available through comparison-shopping at various online insurance intermediaries' websites.
Other than being a cheaper option, term life insurance is better in other aspects when compared to a mortgage life insurance. There are much personalization options available for a term life insurance policy. The proceeds from a term life insurance go directly to the...
A Guide To Affordable Term Life Insurance
Term life insurance > A Guide To Affordable Term Life Insurance