Life Insurance Little Secrets: How to get Permanent Life Insurance for the price of Term Life Insurance

How can you get permanent life insurance for virtually the same cost as term life insurance?

How can you insure that your life insurance policy will be an asset and not just a monthly liability that you never realize any value with?

Why do life insurance agents and representatives sell what they don't buy themselves and why this will cost you dearly?

How do you get the best policy for the best price? Even better than buying online or through a group.

Why do 99% of term life insurance policies never result in a paid claim?

How can anyone make much more money with their life insurance policy than they ever put into it without paying excessive premiums?

What really is the best way to buy life insurance and who truly are the best companies to deal with?

PremiumValue.Net is a site dedicated to providing the answers to these and many other questions that you don't think to ask and that will not be given to you by the life insurance industry. We provide truly useful information to current and prospective life insurance consumers that will insure that you are well informed and allow you to get the most value for the least cost. Our goal is to educate as many people as possible about the mistakes most people make when buying life insurance and make sure you avoid them.

Welcome and thanks for visiting my site. My name is Brian J. Bibb and I am the president of Premium Value Life Insurance Services. I have been serving the residents and businesses of the southeast for 9 years regarding their life insurance needs. I am proud to say I am one of the most successful life insurance advisors in the industry; however, I don't sell life insurance policies or act as a representative for any life insurance company. My business has evolved into being a life insurance consumer advocate and teaching people how to truly get the best deal for their dollar. (Please see the "About Us" section of this site for a complete biography).

Chances are if you're visiting my site you are like the other 1.2 million people that will search for life insurance this month.

You know you have a need for life insurance but you want to spend the least amount of money possible, get the most value for your dollar, avoid being misled, and eliminate the B.S. you may get when dealing with a commissioned salesperson.

Well, you're right not to look for the services of a commissioned salesperson because you will severely overpay for your policy, but buying direct does not solve all your problems either and may cause you even bigger trouble down the road.

I speak to hundreds of clients and consumers a month and I find there is a common theme associated with life insurance. People do not have the FACTS they need when they decide to purchase life insurance. Having the right FACTS about life insurance is the key to making a successful purchase. Having the right FACTS will insure that you get the best deal now and that you will have a policy that does what life insurance is supposed to do for you down the road.

I emphasize FACTS because someone's opinion about how and where to buy life insurance is useless. FACTS are all that matter.

So where do you get reliable FACTS and truly useful information about life insurance?

You can find a local agent or have one referred to you.
Many people still handle their life insurance this way. However, the fact is the majority of life insurance salesman are not professionals and a commissioned policy will cost you approximately twice as much or more. You will get more opinion based information here and those opinions usually benefit the person selling the policy the most.

You can buy directly from a life insurance company.
This will definitely save a lot of money but I find that 7 out of 10 people that buy life insurance this way have bad experiences with their policies and end up with an undesirable situation. This is mainly due to the representatives being highly inexperienced and poorly trained. (It's possible to have a life insurance license in 4 days). Obviously, their opinion will be that the company they represent is the best. You don't want biased advice.

You can seek information from government agencies or industry advocates. They will provide some very basic helpful tips for buying life insurance but I have never seen any that go far enough and truly provide any meaningful information.

You can simply find out how industry experts buy life insurance. This is not magic or even difficult to understand but without this information you won't get the value that is available to you. With the help of some of the top professionals in the life insurance industry I have put together an affordable resource containing all the FACTS you need to make sure you get the best policy for the best price. All information is based in FACT and is aimed at allowing you to get the biggest bang for your buck. Take a look at what others are saying about this information and see examples of how valuable this information has been to others.

This is truly eye opening information and was very useful. I was not as informed about life insurance as I thought. Thanks for making it available and affordable.

Tina W.
Kilgore, TX

I have seen a lot of sites that say they will save you money on life insurance but it is true that they really prefer to give you a low-ball quote and get your purchase without really providing much valuable information. It is true that you get what you pay for and when it comes to insurance cheaper is not better. You are dead on when you stress value over price. I work in the mortgage business and refer your site to anyone considering life insurance to cover his or her mortgage. Your book is worth way more than you're asking for it and is the only place I know you can get straight forward advice about these things that is not compromised and is actually useful. I'm happy you're out there.

Gwen T.
Century Lending Inc.

I recently had my first child and starting looking into life insurance. I have always been skeptical about it and thought it was a rip off. I also was skeptical about your book but I did decide to buy it. After reading it I realize that getting ripped off depends on how you make your purchase. Using your information got me a good deal on a policy for my wife and myself that I'm comfortable with and we paid only what was necessary, saving us a lot of money. Too bad there aren't more people or companies sharing this information with consumers.

Ted H.
New York, NY

I'll put it to you simply and straightforward. If you are considering buying life insurance or already own life insurance and may not have the best policy you could, you need to have this information.

Your best interest is the only thing that matters when you purchase life insurance. Excessive company profits, unnecessary commission payments, bogus fees, etc. do not matter and do not have to be part of the equation. What's amazing is how much you really save and that you can actually make money from a life insurance policy when you know how, where, and what to look for.

My book is a resource that will show you how to:

Avoid paying any and all unnecessary fees, charges, or expenses that drive premium prices up. This results in the lowest premiums for you.

Make money with a life insurance policy without paying excessive premiums. (This alone is worth having).

Benefit from your life insurance policy while living and at death, no matter when you die.

Build tax-free savings without any extra sacrifice on your part.

Know who truly are the best companies to place your business with.

Buy a policy the same way I would and any other knowledgeable industry expert.

Have a zero net cost with your term insurance.

Make term or permanent life insurance an asset not a liability.

Get a cheap policy with value and avoid throwing money away every month on a policy that you never realize any benefit with.

How to avoid the "bait and switch" of low term rates.

Know who provides the best service after you purchase.

Know what makes a good life insurance policy.

Get more life insurance for the least cost.

Get the most value for the least cost.

Know who has lowered their mortality rates. (Mortality rates have dropped dramatically and will continue to drop but many companies are still setting their premiums based on old mortality rates).

Use your life insurance policy to help pay for college, retirement, long-term care, or anything you may need down the road all while paying an affordable premium.

AND MUCH MORE

Life insurance is an amazing product when you cut through all the B.S. that is being put out there by those who sell it. What's not being disclosed to you about life insurance is what costs you the most. My book and my services will guide you to get the most value for the least cost. I help many people on a daily basis with these issues and I want to help you.

THERE ARE TWO WAYS TO BENEFIT FROM WHAT I OFFER

Ordering Online Is Secure and Easy

Buy my e-book entitled "Facts about life insurance you need to know before you buy"
This is all you need to get the best deal possible with your life insurance and offers the most value for the money. It is my best selling service. Life insurance is something you can handle yourself but only if you operate with the right FACTS.

Normally $59.95 BUT I have reduced it to $39.95 for this month.

Would it be worth $40 to find out how to actually make money with a life insurance policy while still paying low premiums? Of course it would.

See the FAQ section for a further explanation of why I charge $39.95

Some of you may want more than a book and your situation may be more advanced. You may want a policy for estate planning, business interests, key man, buy-sell agreements, etc. I do work with individuals and businesses on a daily basis that want more personal service with these matters. My fee for this service is a flat $450 per policy. You will get the best policy for the best price by using my service. My book is included with this service so you know how we accomplish what we do for our clients. In most cases you will save thousands in premium dollars and this will justify our fee.

How can you save 80% beyond what is available through any agent or online discount site?