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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