A1 TERM makes it as easy as 1-2-3 to
obtain life insurance
One stop shopping!
A1 TERM quotes life insurance from over 125 different life insurance companies (and hundreds of plans), but our
loyalty is to YOU, not the insurance company. We will run a comprehensive quote through all of our companies to
determine which one will offer you the lowest cost for term and/or whole life insurance. And, if you have a health
condition, we can instantly determine which carriers will approve you and at what rate.
Be wary of low priced quotes rate without sufficient feedback on how your medical status will
affect the policy chosen and rate. As part of your quote, we complete a pre-medical analysis to insure that you get
the highest quality plan at the cheapest rate.
Our goal is to save you the inconvenience from having to talk to a lot of different insurance
agencies. We do the shopping for you to save you time and money! By law insurance carriers are required to provide
us with their lowest rates...so you just can't buy an insurance policy cheaper...guaranteed!
Application and mini-physical are a snap!
Once you have decided on a term life insurance plan, we take your entire application on line. You
may elect to obtain immediate coverage, which can be provided.
We will arrange a no cost mini-physical for you (Required by carriers depending on the policy,
your age, etc.). This can be done at your convenience and at your home or office.
100% satisfaction!
Our examiner (who conducts the
mini-physical) will obtain your signed application and submit it to us for processing. We do not pick up any money
with the application, so you are not obligated unless you are 100% happy with the policy, the premiums, or anything
else.
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Here is how it works for individuals with more extensive health impairments
We will conduct an extensive pre-application screening. Here are the steps:
- We assist individual in completing our preliminary application.
- We will review and order APS's (Attending Physician Statements) and determine the status. We have a
designated APS team that will rush this process.
- After APS's are received, our life underwriters will review and summarize. Then we will expedite the case
to the carriers.
- Carriers will post offers directly into our system. For example:
- AXA: T-2
- John Hancock: Standard
- West Coast Life: Preferred
- Submitting the formal application:
- Once we have agreed upon a life insurance carrier, we will provide a populated application to you - Formal
underwriting is 75% complete because of the informal offer.
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