Frequently Asked Questions
How can Term Life Pros save me money?
Term life insurance is an extremely competitive industry. Most Americans are drastically overpaying for their term life insurance. Our complete online service will allow you to compare prices in less than one minute, of all the top companies available. Don't buy from a non-competitive carrier. Choose the company and price that is right for you! After you have viewed your online quote, fill out an application request form. Your form will be referred to an independent agent licensed to conduct business in your state.


What insurance companies will I be able to choose from?
We maintain a database of all the top companies such as First Colony Life, Jackson National, Transamerica, and Zurich/Kemper Life. Many other companies all rated A or better by A.M. Best Company.


How do I determine my health status, Preferred Plus, Preferred, and Standard Rates?
Many factors determine your health status, family medical history, height, weight, cholesterol level, lifestyle, etc. To help you determine your health status click here.


Do you need a definition to an insurance term?
If you need a defintion please check our glossary.


What if I already have life insurance?
Use our online quote services to view the rates available to you. You may find savings of up to 75% over your current policy. If you find a better rate, please fill out the request for an application. Please do not cancel your current policy immediately as it usually takes 4-6 weeks to process a new policy.


Who will provide customer service if I purchase a policy from Term Life Pros? We will have a licensed agent in your state write your policy and provide you with all the customer service you will need.


Will my premiums rise if my health changes?
No, your premium is guaranteed to stay the same throughout the length of your policy regardless of changes in your health.


Do I have to take a medical exam in order to apply for a policy?
Yes, today nearly all insurance companies require a short (usually less than 30 minutes) paramedic exam. The cost of the exam is covered by the insurance company and can be performed in your home or office, at your convenience.


How can I pay for my life insurance?
You can pay your premiums annually, semi-annually, quarterly, or monthly payments. Many companies also allow you to have your premium automatically deducted from your bank account or charged to your credit card.


What If I decide I don’t want my policy after I have paid for it?
You will have from 10 - 20 days (depending on your state of residence) after you receive your policy to decide whether the policy is right for you. Within that time period you can cancel and request a full refund of any premiums paid.