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LOW
PRICE GUARANTEE
A GUARANTEE TO MAKE YOU FEEL SECURE
Be
confident that you only pay for the insurance you need
| How
can we make you our ‘Low Price Guarantee’?
The insurance industry is highly regulated and has set rates; there aren't any volume discounts, "specials" or "End of Season Sales".
Your needs and the underwriting |
| process determine the rate that is selected. But, although the rates are set, we guarantee to find you the lowest* rate available that suites your needs, and we do that with the expertise of our highly trained insurance agents.
How much does it cost to get started? We do not require payment until the policy is issued, you have reviewed it and you accepted it. You do not pay for the policy until you are completely satisfied. |
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(* Disclaimer: Premiums shown are current for
the quoted class and may differ by state. Full
underwriting is required for all plans to
determine each customer's eligibility and actual
premium based on underwriting class and
coverage. Premiums are shown for comparison
purposes only. Premiums and products are subject
to change without notice. Also, for those states
that have adopted the NAIC Illustration
Guidelines, a compliant, signed illustration or
certification must be submitted with all such
applications.) |
Do insurance companies offer a money-back guarantee? Yes
they all offer a full refund. If, for whatever reason,
you decide to cancel your application you can do so
without any questions asked for up to 30 days after you have
received your policy depending on the state regulations
of the state in which you live.
What will my Insurance Premium be after I have finished
paying the initial period of guaranteed Insurance
Premiums?
If your insurance is renewable then you will only ever
pay up to the guaranteed maximum renewal premium. This
maximum will be stated in your insurance policy. Your insurance policy will also list the current renewal
rates. These are not guaranteed to remain the same each
year but they give you an idea of what your insurance
renewal cost will be. They may go up or down each year
but your renewal premium will never be higher than the
guaranteed maximum.
You may have heard of the term "re-entry" in a
favorable way. "Re-entry" is when a policy
holder comes to the end of their initial guarantee
period and reapplies for new insurance coverage with a
new period of guaranteed rates - just like starting a
new policy but paying out a lower insurance premium than
the guaranteed maximum renewal rate. You only qualify
for "re-entry" if your health is still good.
We would caution you about this 'renewal' option because
you can not guarantee that your health will be as good
when you come to renew your insurance policy. If it's
not, and you chose this option following a short-term
policy, you will be stuck with paying horrendously high
premiums or loosing your insurance cover. Also renewal
insurance rates may seem low but if you viewed them
without seeing the current and maximum renewal rates (as
discussed above) you may make completely the wrong
assessment. This is not a practice that
InsuranceClick.com condones and is considered deceptive
by the insurance industry.
So remember, it is much safer to go for a term life insurance
policy with as long a term period as possible. In other
words one that truly matches the length of time you need
it for. If it's 20 years you need don't go and get a 15
year term rate thinking you will renew for the remaining
5 years at a rate that will equal it or be less. The
probability is that it won't be less and then you are
left paying a much higher premium - something that will
definitely make you feel really ill! And could more
importantly effect your future financial security.
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