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› | How Are Rates Determined? |
› | How Much Coverage & For How Long? |
› | Plan Benefits & Differences |
› | Everyone is Different Life Insurance |
| You may have already noticed that many "companies" out there are simply posting a fill-able online form which they then sell to agents all over the country or they hire a telemarketer type to try to sell you a policy over the phone. Who is really contacting you? Is the agent reputable? Who does he/she work for? Do they really have the expertise to find you the best rate? Will that agent be there for you 10 years from now if you have a problem with a claim and need help? These "companies" are not insurance experts but rather computer experts that have found a way to make money by getting your information and selling it. While you might get lucky and have a good agent contact you, you really don't want to roll the dice with your time, your money, and your personal information. You can be assured that your information will not leave us at FamilyInsurance.Org. We will never sell your information. And if you take out a policy through us, we will keep your file and customer information for life. We do not spam. And our agents are all licensed and upheld to extremely strict strict ethical standards. |
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| SO, HOW ARE RATES DETERMINED ANYWAY? | ||||||||||||||||||||||||||||
| How Rates are Determined by Insurance Companies: Here are just some of the common factors that are considered by life insurance companies when determining your rate. | ||||||||||||||||||||||||||||
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| HOW MUCH COVERAGE & FOR HOW LONG? | |
| The Cost of life insurance and disability plans is determined differently than your rate. | |
| A big factor that determines the cost of your plan is ultimately determined by how much coverage you apply for and how long that coverage and rate is scheduled to last. As with rates, the cost for insurance can vary from one company to the next. One company might have great 30 year term life insurance rates but terrible options and rates for permanent Universal Life plans. Typically a 20 year level term plan will be significantly less expensive than a 30 year term plan because the 30 year plan covers you for 10 more years at the initial rate. | |
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| PLAN BENEFITS & DIFFERENCES | |
| What type of insurance plan you want will have a big impact on rates. Do you want to be covered for 10 years, 20 years or 30 years? Do you want guaranteed rates to never change? Do you want coverage that will last for life? Will you want disability coverage on your plan? Coverage design and benefits will play a big part in determining the cost of your plan. Once your RATE is determined, plans can be altered, and lowered to make the cost more affordable. For example if you apply for 1 million of term life insurance coverage and your rate comes back less favorable than you had hoped you can always adjust the coverage amount down, say to 750,000 or 500,000 to make it more affordable. You can also refuse to take the coverage offer at all. | |
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| EVERYONE IS DIFFERENT | |
| Believe it or not quoting life insurance and disability rates is often more of a skill than you might realize. Everyone after all is different. We are different sizes, take different medications, and have different medical histories. All of these factors create a unique 'profile' that will ultimately determine your rate with an insurance company. Just like we are different, many insurance companies are different in their rating philosophies too. Some are more favorable to certain 'profiles' than others. For example, company A might have what seems to be unfair rates for a person taking blood pressure and cholesterol medication while company B offers a much better rate. But for the same two companies, company A is more lenient on someone that has several motor vehicle violations whereas company B would penalize the same applicant 'profile' severely with a high rate. This is where our expertise comes in. There is also the fact that not everyone wants or needs the same coverage. Various factors will come into play in helping you choose the right plan: Do you currently have coverage? Do you have children? How much do you make a year? Is disability coverage something you'd like to have? The list goes on and on. The benefits that you chose to apply for will all carry their own price tag. We'll check those price tags for you. You will see that on our site there is nothing to hide when it comes to rates. We've provided several examples of product rates but most people will need a more thorough review than just looking at the lowest rate number and deciding to apply. Remember, we are a full service agency and have no allegiance to any particular insurance company. Our allegiance is to you. We know that if we find you the best rates and stay on the cutting edge of insurance marketplace we'll have a relationship with you for life. We shop around for the best rates with proven top rated insurance carriers that you can trust. Within those companies we find the best rate you will qualify for and then give you the best choices. Based on our experience we can recommend companies and plans for you that will give you the best chance at the best rate for your personal profile. Direct access to insurance company underwriters allows us discuss your unique profile and sometimes to even negotiate your rate. It's good to have experience and expertise on your side! |
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| › | Are you in great health? Great, we'll find you the least expensive rates with great companies that will reward you for that! |
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| › | Are you overweight and taking a few medications for health issues? No problem, don't let that discourage you. You'd be surprised at the great rates that some companies will still offer you! Remember it can never hurt to apply. |
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| › | Have you had cancer, or a heart attack, or something very serious, and been turned down when applying for coverage with an insurance company or are you just worried that the rate will be too high? Don't give up! We've helped many others in similar circumstances find affordable coverage options! It can't hurt to have a brief discussion about it and apply. |
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