It stands to reason that everyone who wants term life insurance also wants the best possible from a company with a good reputation (A+ or higher from AM Best).  With online quoting, getting the lowest price possible on term life insurance is harder than it seems. 

The simple reason that it is not simple is that  life insurance is priced according to health status after other variables like age and sex are taken in to account.  The term that life insurance companies use to refer to health status is rating class, and this is where much confustion resides.  For example, a company which offers the most competitve rate for one rating class is as likely as not to not be especially competitve for another rating class,all other vairables remaining equal.

The real problem is lies in the fact that people generally not able to guess their health status accurately, and when they do, they tend to put themselves in a rating class which is better than the one the eventually end up with when they get the word back from the life insurance company.  This has a number of adverse consequences.

Most people will choose the company that they find which will offer the lowest price based on their assumed health status.  But if it is not the lowest price for their actual health status, when it comes time to purchase the policy, they won't necessarily be getting the lowest price.  The actual price of the policy which initially looked so attractive can cost 50% more than they had anticipated.  The disappointment thta ensues often results in a total and understandable loss of interest even though another company might have offered rates for the rating class they might have qualifed for at a much more competive rate.   If this has happened to you, you owe it to yourself to get a new set of rates at your established rating class.  If you do, there is a good chance that you will find that you may be able to find a policy which you can afford.

Affordable Term Life Insurance!

If you are simply looking for information on term life insurance, you have certainly come to the right place.  Within a matter of seconds you will be able to get quotes from virtually all of the top rated North American tem life insurance companies.  Additionally, you should know that:

• Your privacy is guaranteed.  Unlike the vast, overwhelming majority of sites on the internet, we will not sell your information to four or five different agents who will then call you.


• You can get quotes without giving up your personal information.  Other online term life insurance quoting sites do form-checking and will not accept invalid phone numbers or addresses.  At Beyond Quotes, we respect your desire not to want to be contacted and do not demand this information in order to provide a quote.  We feel that if you are truly interested  you will let us know.


• Our term life insurance quotes are accurate and comprehensive.  You will be able to ge quotes from names like AIG, Banner, West Coast Life, MetLife, Prudential, Transamerica, and many others.


• We are available any time by phone if you have questions.  1-800-670-0982


• We feature a product called No-Exam Life Insurance which makes getting life insurance fast and easy.


• We've tried to include plenty of information on the site topics relating to term life insurance which we hope you will find to be a useful resouce.

How Much Does My Agent Make When I Buy a Policy?

If you don't like to read, just skip to the fourth paragraph for the numbers

After a long age and careful planning, the guy from your church who sells life insurance has finally got you to agree to let him cover over to deliver his speil.  When he arrives at your door, you notice how unfailingly polite and considerate he his.  He's precisely on time, of course, and when he steps in he is quick to make a mental inventory of your house's interior which he then deftly uses to start the obligatory small talk.  "You sure keep a clean house", he might say, or maybe he'll comment on your kids collection of baseball trophies proudly displayed on the mantle.  He will then offhandedly mention that his kid also loves baseball but has yet to win any trophies at it.. 

His is immacultely dressed in clothes that are nice, well made, conservative, and not too stylish.  His demeanor is somewhat understated, and you could be forgiven for not fully perceiving or appreciating  his command of a particular kind of  showmanship.  Before you have a chance to usher him into the living room where you had expected the meeting to take place, he is somehow already set up in the dining room with two or three brochures (illustrations, he calls them) out for you to look at.  You put on some coffee, and while he is in your presence, It isn't long before a singular impression forms: he is clearly the nicest guy in the universe.  Still, as the presentation progresses, and while he is stressing the importance of ROP or some other kind of rider which will bump of the cost, you are struck by an indecent thought which you are ashamed to ask and never do: "What's in it for him.  If I buy this policy, how much is he going to make?"  Soon, this thought takes over, and a thin fissure of doubt begins to crack the foundation of trust that he has so carefully laid.   Could this nice man be motivated primarily by self-interest?

Why do you need this man in your house?  Why is it that he made the gesture instead of the other way around? It is actually quite simple.  No one would ever buy life insurance without the prodding of life insurance agents.  It's his job to get you to think about the one thing, above all others, people are most loathe to think about: the iron-clad certainty that within 50 years or less you will be dead.  Possibly much sooner, and that if it happens unexpectedly which it so often does, you family can kiss goodbye any semblance of the life they currently lead.

So how much does a life insurance agent make if you buy a policy?  The figure varies, but is typically anywhere between 100% to 75% of the first year's premiums.  Typically, once you have been approved and have sent in your first months payment, your agent will earn that amount times 10 or 12.  If your monthly premiums are $40.00, then there is a good liklihood that your agent will earn around $500 for a standard term life insurance policy.  This figure is a bit higher for Whole Life Insurance and its many variants. 

This is an obsence amount, you think, but is it really?  If you hold, as most people do, that insurance companies never pay out one cent more than they have to for anything, you will soon find that you are entertaining two contradictory notions.  Why would a life insurance company make an exception in this particular case and pay out so lavishly?  The commission payout is the amount required to motivate people to sell life insurance.  If you dont' like talking about or considering your eventual demise, there's a good chance that the nice man who might come over from church doesn't either.  He is there for a diffrent reason.

Frankly, I don't know who in the world would subject themselves to such a meeting if they didn't have to.  Going through the chart after chart, brochure after brochure would be enough to turn most stomachs I would think without ever getting to the part about how you or your loved one might really make out with the double indemnity rider.

For all that though, for they typical working stiff, a simple term policy of between $250,000 and $500,000 at about 20 years is the right thing to do in most cases, especially if there are kids.  The reason is that for most people it really isn't very expensive.  If you're under 40 and in relatively good health it's maybe $40 a month.  If you can ever bring yourself around to doing it, it's probably the right thing to do.  Of course, I would say that : - ) 

Premium Financed Life Insurance

How does premium financing work?

Premium finance life insurance is an extraoridary program that can enable qualified individuals to increase the total value of their entire insurable net worth, liquid or not, by 2 to 10 percent without risk or any out of pocket expense. 

Here's how it works.  If you qualify for premium financing you will be able to find a lender who will pay your life insurance premiums for precisely two years.  This two year time period is called the elimination period.  If, during this time you die, your beneficiary or beneficiaries will receive the face amount of the policy less the the loan amount and interest (most of which can be repaid with refunded premium).  If you survive the two year eliminatin period, you will have the option to sell your policy on the secondary market.  Typically the amount of money realized on the secondary market is between 2 and 10 percent of the face value of the policy.

Premium Financing is for real

It probably sounds too good to be true, but the opportunity is real--for now.  In fact the opportunity was recently described in an extensive write-up in the New York Times.  It hasn't always been part of the life insurance industry, however, because only recently have financiers devised a way to make it work.  Life insurance companies, of course, are not particularly enthused about it because their business model requires most policies to lapse after a certain amount of time.  When a policy lapses, the insurance company gets to keep all of the premium that was paid in over the years (except, of course, when the policy builds a cash value). 

The following factors go into determing rates for term life insurance:

• Age
• Health Status
• Type of policy (permanent insurance is four to five times more expensive than term)
• Length of term (if term insurance)
• Company
• Face Amount

On the next page is a series of charts that might give a rough idea of what the price range is for term life insurance according to these variables::

Health Insurance - Quotes, Information and Resources

We at Beyond Quotes believe that Health insurance is something that is needed by every American.  Right now there are about 45 million uninsured in America today, and many of those who do have it are struggling to pay for it.  If this is an issue that is of concern to you, please visit Cover The Uninsured for further information on what you can do or how you can become involved. 

For others of you who already have Health Insurance you might want to start by getting a quote to compare what you have right now to see if it might be possible to save money.  Beyond Quotes started in Portland Oregon with a primary focus on Oregon and Washington Health Insurance, but it has since expanded its reach so that it doesn't matter which state you might reside in: if you're looking for quotes on health insurance, you've come to the right place.has become very high, and we at Beyond Quotes want to do our small part to help by providing you with the best health insurance information, Medicare supplement insurance, quotes, and resources available on the internet so that you can make intelligent choices and hopefully save money without compromising coverage or benefits.  So you will find on this site plenty of information about topics like Individual Health Insurance which is becoming increasingly popular even for those who have benefits through their employer, and also HSAs which can save you tons of money on health insurance premiums, but also you're taxes.  If you're worried about your insurabilty, there is an entire section also on Guaranteed Issue Health Insurance which might be the best choice if other insurance choices are not open to you.