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FAQ's
How do you provide value beyond buying online or
buying direct?
Buying
online or buying direct will definitely allow you to get a
great price for your policy. The problem it doesn't solve is
that you can't be sure you are getting value. We stress
value over cost because cheaper is not better regarding life
insurance. In fact many of the "low rate" companies can do
more harm than good. What's the value in paying a low rate
only to find out later that the company is out of business,
they raise your rates sharply down the road, or have a
history of denying claims.
Very few
companies only charge what is necessary to properly insure
you and have a long history of profitability, high ratings,
unmatched customer service, and have removed any conflicts
of interest from the sales process. We know who they are and
help you get the unmatched value they offer. No other
resource offers this service and we have no affiliation with
any companies we suggest.
We are
the only independent resource that will show you who will
provide you with the best policy, the best customer service,
the most stability, and work with you in the future to make
sure you are always properly insured and treated
fairly.
How much can I expect to save?
Individual cases do vary but in most cases the
savings are around 80%. Also, many clients can actually
obtain a policy that actually makes more money for you than
you ever put into it. Money that can be used anytime.
Do you have any relationship with the companies you
recommend?
No, we
have no affiliation or professional relationship with any
life insurance company.
However,
I am a customer of the companies I recommend. I won't
recommend a company that I wouldn't buy from myself and this
allows me to know first hand if they truly are worthy of a
recommendation.
Why do you charge $39.95 for the book?
This
information is certainly something that I wish I could
distribute for free. However, maintenance and marketing
costs make this impossible. I believe anything that has
value is worth paying a fair price for. Frankly, for the
value this provides I should be charging much more, but
$39.95 allows me to cover my costs and make a reasonable
profit.
I
realize there are people that will be reluctant to pay
$39.95 for my book. These are the same people that don't
realize they pay hundreds or even thousands of unnecessary
dollars for their policy over the years in hidden fees and
commissions.
Some people you just can't help.
Most
people do realize that for the price of a night out for
dinner they can get this information that is not made
available anywhere else and avoid being taken advantage of
by people that are more than happy to do it.
I have
over 20,000 happy clients and have never received one
complaint to date from a client. The only complaints I have
had are from misguided life insurance agents that don't like
the idea of people being told their services aren't
necessary. (I love to get these kinds of complaints.)
This
should speak for itself about the value this information has
for consumers.
Why don't more life insurance companies or life
insurance agents provide this information?
Profits!
The less you know about life insurance the more money they
can make off of you. It works just like buying a car. There
is basic information that has to be disclosed to you but
most of it is useless. It is up to you to be informed and
not get taken advantage of. Remember, many life insurance
representatives don't know much more than the general public
and they can cause you harm even if they don't intend
to.
Can I contact you with any questions or
comments?
Anytime
by email or phone. Please allow us a 24-hour turnaround time
due to high volume of requests.
What criteria do you use when recommending a life
insurance company?
All companies I recommend have a minimum of the
following characteristics:
- Long history of "A+" ratings or higher from the
independent rating agencies
- Provide truly "no-load" policies.
- Are using current mortality rates. Many companies are
still using out of date mortality rates to set their
premiums even though people are living much longer
today.
- Have no surrender charges
- Provide maximum flexibility to customize a policy
through riders
- I have a policy with them
- Unmatched customer service and follow-up after
purchase
- High value, low cost
- Long history of profitability and stability.
- Solid financial statements
- Have knowledgeable representatives that are
client-centered not sales-centered.
How can you buy permanent life insurance for
approximately the same price as term life
insurance?
No-load
universal life policies can be purchased at comparable
premiums to pure term life insurance. My book explains in
detail how this is done and how you can obtain the most
value this way.
What are the advantages of permanent life
insurance?
Some advantages include:
- Coverage for life insuring that your beneficiary will
receive a payout at some point. Remember, 99% of term life
policies never result in a paid claim.
- Living benefits such as tax free cash
accounts.
- Can be made affordable when sales charges and
commissions are eliminated
- You can borrow against it.
- It makes it possible to make more money with a policy
than you ever put into it.
- Makes it possible to have a policy that can pay for
itself.
- Can be a valuable resource to supplement retirement,
pay for college, and provide long term care, etc. in the
future for pennies on the dollar.
Who will this book benefit most?
Anyone
interested in spending the least amount of money possible to
get a quality policy and stay properly
insured.
How does someone benefit from your
book?
We go
beyond just showing you how to save money. We are the only
resource that can show you how to get maximum value and in
many cases show you how to obtain a policy for a zero net
cost or even make money.
Our
resources prevent you from making the mistakes most people
make when buying life insurance.
My book
is insider information that life insurance salespersons
would rather you not have.
Are your transactions secure?
We use
the highest available security on all transactions at all
times. Your information is never transcribed or distributed
to a third party ever.
What are your qualifications to provide insight and
advice on buying life insurance?
9 years
of diversified experience that has taught me that the number
one priority of most life insurance companies is to get you
to buy as much life insurance as possible and spend as much
premium dollars as possible. This is what I mean by having a
conflict of interest. Their interest is not the same as
yours. Yet, they market in such a way that tries to make you
think your interests are the same.
Never once in my 9
years have I been to any meeting, convention, or awards
banquet where anyone expressed a desire to deliver
client-centered service that allows people maximize value
and minimize cost.
As an
independent service we know who is focusing on consumers
best interests and our role is to connect you with them.
This way of doing business creates a good situation for us,
for them, and most importantly you.
Please
email us with any other questions we have not addressed
here. |
