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CHOOSING A PROVIDER: WHY INSURANCECLICK.COM?
We Can Help Find Cost Effective, Top Rated
Life Insurance For You, And Your Family
Find out how much life insurance you really need.
Why did you decide to look for life insurance today?
If you died today, would anyone experience economic hardship?
If the answer’s “Yes”, then you’ve come to right place to prevent that happening with life insurance.
| Which insurance company and insurance policy should I choose? This is a tough question to answer as there are so many factors that will effect your insurance needs, whether it's health insurance, car insurance, life insurance or |
| dental insurance. The most usual way of judging which insurance is the best is by obtaining an insurance quote. But this can be very deceptive as it won't show you the important 'hidden' features such as the length of time the rates are guaranteed for and conversion rights. We have information about insurance companies above and beyond an insurance quote. Call us at |
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1-800-489-1731 or email us info@InsuranceClick.com.
How can I be sure the insurance company, that provide the insurance quote, is financially secure? The assessment of an insurance company is quite a precise and particular 'science'; we have a database of several hundred life insurance companies which we maintain and update continuously. The insurance companies in the database must show a history and projected future of security which we measure through their financial strength, ability to pay claims, general honesty and ethical practice. Each insurance company must also have one of the top three ratings, A, A+, or A++, from A.M. Best the most highly respected insurance rating company in the US.
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As well as A.M.Best we also use other third party insurance rating companies to assess the strength and dependability of the insurance companies we recommend to you. They include: Standard & Poor, Moody, Duff & Phelps and Weiss. They all use a letter grading system similar to A.M. Best. This grading system allows us to make an informed decision about each insurance company, however it is not a guarantee or warrantee that the insurance company concerned will always meet their contractual obligations.
A financial report on any of the insurance companies that we quote on can easily be produced. Each report will include the letter ratings from all of the insurance rating services mentioned above.
How is InsuranceClick.com different from the other insurance "Quote Services?" You will find a mass of "quote services" on the Internet which supposedly provide price comparisons of all the best rated insurance plans. However, what you may not realize is that most of these simply list the insurance plans in order of their premiums or cost. And what most people do is go for the least expensive ("why pay more?") trusting that all of the insurance companies listed are reliable. Unfortunately the reason why an insurance plan comes out high in the list is probably because it is a "preferred" or "preferred-plus" premium. In other words the insurance quote service has not taken into account all of your insurance criteria. So what happens next? Well you spend weeks even months waiting for all of the paperwork to go through only to find that you have been turned down because your health status doesn't qualify for the insurance rate you applied for. So then you are stuck with two options: Start out looking for insurance all over again, possibly without any insurance coverage in the meantime, or take the other insurance plan offered by the insurance quote service, probably at a higher rate than you really need to pay. But of course you wouldn't necessarily know that! And that's what most people end up doing, unless they've been to InsuranceClick.com where we will make sure you don't. We will ensure that your health status and insurance application match so there's no time wasted. If your health is "preferred-plus" we'll make sure you have a preferred-plus premium and if you are tobacco smoker we will make sure you get the best deal available.
As an example, take Bill at 5'11" and weighing 200lbs. He's also a 'social' smoker. Things aren't looking so good for Bill on the Insurance front, but hey he inputs some of his details into a "quote service" to see what comes out. Well wouldn't you know he gets a great insurance quote from "seeingsbelieving.com". Bill applies and then he waits and he waits and he waits…for weeks. What Bill doesn't realize is the rate he was quoted was "Preferred-Plus" (i.e. for a slim-trim-healthy type), and what he is waiting for is for the "quote service" to tell him that he doesn't qualify. Eventually the insurance quote service says "no can do" but…they do offer Bill a great "standard" rate of $810. Bill remembers that "seeingsbelieving.com" was top of the list before so he thinks their "Standard" insurance rate is probably pretty good too. An easy but costly mistake. So instead of shopping around for a "standard" insurance rate, Bill goes for 'seeingsbelieving.com. Poor Bill if he had shopped around and found InsuranceClick.com we'd have quoted him a "standard" rate of $615, amounting to a huge saving of $195.
For more on the differences between InsuranceClick.com and "the others," including a discussion on Price vs. Value, as well as additional background information about InsuranceClick.com, read our company philosophy.
Why is InsuranceClick.com better than the traditional ways of researching life insurance companies, and buying life insurance through an insurance agent? The main difference is that we are completely independent of any insurance company. This has several repercussions firstly we provide totally unbiased information so you can feel confident that you are not having your 'arm twisted' by clever sales talk. Secondly, it means there is no pressure from us to buy one or another insurance premium. Thirdly, in the past you would have had to meet several insurance agents, a very time consuming and often confusing process, with the 'best' insurance agent winning out. At InsuranceClick.com we provide you with all the information you need, in minutes, so that you can make an unpressured choice in the comfort of your home.
Why should I buy insurance from InsuranceClick.com versus my local insurance agent? We are not advocating that every person buy their insurance from us (but it would be very nice if they did!) because there are some fantastic agents out there who really work hard at providing all the information a customer needs to make an informed choice. On the other hand if you find that you have done more research than your local insurance agent and you still haven't resolved your insurance needs, you should try our insurance quote service. Don't just hand the insurance agent all your hard work and have them charge you for it.
If your worry is that you'll never be able to walk into our offices and that we could actually be a 'one-man-band' operating out of a dingy apartment in 'Someplace Else, I dunno, USA let us tell you about our business…. click here
InsuranceClick.com has been in the life insurance business for 25 years. Our insurance customers say more about us than we could possibly say ourselves. Please read what they have to say.
Unlike a high street insurance broker or insurance agent who can present a great up front appearance and draw you in with cups of coffee, big smiles and an impeccable personal appearance, an online insurance quote service has just a few seconds to get your attention and then only a few more to provide all the information you need. So in fact it's harder to be online as we are subjected to much closer examination.
You may have a concern that we are out of your state and therefore could avoid any repercussions from fraudulent behavior. Nothing could be further from the truth; if an out-of-state agency commits a fraudulent act in your state, they will lose their license in their home state as well as in yours. State insurance commissioners work together to protect insurance customers countrywide.
So in conclusion, entrust your life insurance requirements to the company or person who has worked the hardest to provide the most up to date and complete information you need to make an informed choice. We are confident that InsuranceClick.com can do that for you.
Is it worth doing more research to compare the insurance products you quote on through a different Insurance Agent, Insurance Broker or Insurance Quote Service? No it's not. And that isn't because we don't want you to look elsewhere for an insurance quote, it's because the prices are set by the insurance companies, not by the insurance agents, brokers or insurance quote services such as InsuranceClick.com. Be warned, if you get two different quotes for the same insurance plan it means that either each insurance plan is quoting a different risk class i.e. a preferred rate vs. standard or the information you supplied was not identical. Perhaps their questions about your health, the medications you take, your family situation or your driving record were phrased differently so that the answers you supplied were also slightly different. Or possibly they didn't ask you a sufficient number of questions to really build up a comprehensive insurance profile. For example, "Do you smoke tobacco?" You answer "No" because you quit three years ago. Did they then ask you "Have you ever smoked tobacco?". If they didn't they are falling short of the information required to provide the correct insurance coverage. If you have been a smoker it will eventually come out in your medical. And at that point your application for insurance will go right back to the starting block.
At InsuranceClick.com we are very thorough with our pre-insurance questions. We will ask you more questions about your health and lifestyle than any of our competitors. We will make sure all the questions are completed up-front so there's nothing left unanswered, ensuring that the final insurance quote you receive is just that - final! Remember that any insurance quote service can provide a quote, but can they deliver a quality insurance quote that matches your insurance needs? InsuranceClick.com can. We do ask that you answer all the questions on our free quote form as completely and honestly as possible.
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Does every quote service provide the best term life insurance premium? No. However at InsuranceClick.com we have a system that allows us to search for the best i.e. lowest term premium, 'A' rated markets. Not only will the insurance premium be one of the lowest but you can also be sure that the company selected to meet your insurance needs will be financially secure. |
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If I don't have to pay you anything for your insurance advice and for arranging an insurance quote, how do you make money? When your application for insurance is accepted by an insurance company that we have recommended, that insurance company then pays us a 'fee' for the work we did.
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Thank you for visiting InsuranceClick's term insurance shopping service. In the next few minutes, you will discover how you can save as much as 50% on your life insurance rates.
Our on-line quoting service will instantly research the top insurance companies and provide you the most competitive rates in the country.
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To find out what your life insurance should really cost, please
for a free, instant quote.
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