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What Makes Us Different?
The simple answer to the question is that we listen to you. There are many sites on the web where you can get an instant quote in a matter of seconds, but are they really giving you the best prices? At TermLifePros we take the time to make the difference!
Reasons you may be overcharged or declined for life insurance
Health and Lifestyle
Age
Wealth
Profession
Smoking
Pilots
Prostate Cancer Survivors
For example, a 30 year old male in perfect health who has never used tobacco would seem to be an easy person to quote, and for the most part you are right. However if they were to go to a few different web sites they may not always see the top rate. This is because many of the web sites will not quote some of the less expensive companies because it cuts down their commission. We don't do that, at TermLifePros you can be assured you are seeing the best available rates from all the top companies. Also once you know what the best rates are the tricky part begins, which one is right for you. Should you get a long term policy or a shorter one? Is there a rate very close to what you want to pay that may offer more coverage that you were unable to see with the online quotes. Most agents don't take the time to look, we do! Our way of doing things is to search out all the possibilities for you and present you with the best options.
Now not everyone fits into that first example and this is where we specialize. Many of the web sites out there are volume brokers, that is they want to bring in as many cases as they can as quickly as they can. That sounds good, but most are not trained to handle cases where there are past or current medical issues. Or they don't know which companies to work with to fit your needs, and they just give you a quick quote that is much higher than you should be paying! When you come to TermLifePros however, you will note one big difference, we take the time to listen to your situation. Everyone is different, and those small differences in your situation can save you hundreds if not thousands of dollars a year! Just as in any industry there are companies that specialize in certain areas, that is very true in life insurance. We work closely with all the top companies and the key underwriters. We know which companies will provide the best rates for different situations, and this will save you time and money.
See how TermLifePros can remind you of days gone by. A time before Corporate America took hold, a time when personalized service was the norm and giving the best product to the consumer was the goal. At TermLifePros that is how we handle our business, the way it should be!
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