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<img src="/images/lifeinssave.jpg" border="0" alt="Don't overpay for your life insurance. Find out how to get the best deal on your life insurance" /> <h1 class="article_title" style="color: #cc0000;">How to Avoid Overpaying for Your Life Insurance</h1> <h2 class="article_subtitle" style="font-style: italic;">"If you haven't reviewed your life insurance in a while, don't read this report... It will break your heart!"</h2>   <h3 class="article_subtitle">WHY BUSY PEOPLE ALMOST ALWAYS OVERPAY FOR LIFE INSURANCE</h3> Chances are when you first purchased your current life insurance policy it was probably a pretty good deal.  However, there is something you should know.  Most busy people like yourself buy a policy, throw it in a drawer and forget about it.  But since you rarely have time to review your coverage, you probably never even notice the scheduled price increases as you get older.   Do you see what I'm saying here?  One of the biggest money saving tips that I have to offer you is... you must make a habit of reviewing your policies each and every year! No doubt about it.  If you learn only one thing from me, I hope this idea will be it.  Common sense, right?  Right!  But this one step alone could save you from flushing hundreds, possibly thousands, of your hard earned dollars right down the toilet.  Which brings up a very important point.  Life Insurance rates are all about the same, right?  WRONG! WRONG! WRONG!   Let me tell you a quick story that happened to an associate of mine. <h3 class="article_subtitle" style="color: #cc0000;">A $54,336 DOLLAR MISTAKE</h3> He received a call from a Norman Melnick, you may have heard of him before.  He was one of the creators of the magic marker, and is currently the Chairman of Pentech International, Inc. Next time you go to Wal-Mart go to the school supply section of the store.  You'll see thousands of his pens and markers. Anyway, when he called he asked my associate to do a cost comparison on one of his policies. He had a policy that was costing him $12,660 dollars a year.  So my friend ran his information through his computers and found that he could get the same exact coverage for only $7,225 dollars a year. Mr. Melnick didn't believe him... he thought he was lying. So my friend faxed him out the rates.  The quote that he sent him proved that Mr. Melnick would save $54,336 dollars over the next 10 years. Mr. Melnick was shocked! He just couldn't get over how much of a difference there could be for what insurance companies charge for the same exact coverage. Let me drive home another important point here. The bottom line seems to be that few people actually shop for their coverage.  Too often you settle on the recommendation of a family member, advisor, or worse yet, a "know-it-all" friend. <h3 class="article_subtitle" style="color: #cc0000;">AT LAST, AN EASY WAY OUT WITHOUT THE TORTURE</h3> That's why I created my price comparison system... to give busy people, like you, a new and easier way to compare life insurance prices. Since there are 1,893 companies that sell life insurance, it is impossible for you to know which companies offer the lowest price and the best quality. Even if you spend hours and hours of your valuable time researching... you will probably drive yourself crazy trying to make sense of it all. Not to mention, if you wanted to compare prices from just 10 companies, you would have to call 10 different agents to get the quotes. I really don't think you want to kiss that many frogs to find your prince. Most people don't know this, but many quality insurers have made a specialty of offering cost effective coverage. However, finding these companies isn't always easy. There are low cost firms that it pays to know of, but they are difficult to learn about.  This is where I come in.  My company has streamlined the process of shopping for life insurance.   I have a network of computers that monitors over 186 or America's top life insurance companies. All the companies that I quote have been rated Excellent and Superior by A.M. Best. They're an independent rating service that is recognized as an authority on reviewing the stability of insurance companies. It's also nice to know that not one of the companies in my system has ever failed to pay a valid life insurance claim for as long as it has been in business! Since I am an independent agent I am not controlled by any insurance company. So I don't have to push you to go with a particular insurer. Does all this make sense so far? As I mentioned a few minutes ago, there are over 186 insurance companies that I monitor.  So you're sure to get competitive rates. It's just that basic. <h3 class="article_subtitle" style="color: #cc0000;">THERE'S SOMETHING ELSE I'VE DONE TO MAKE YOUR LIFE EASIER</h3> As long as you are a client I will automatically review your life insurance policy each year.  Year in.  Year out.  I do this to make sure you always have the best deal on your coverage.   So, with me monitoring your policy you can finally put this issue to bed and have financial peace of mind! <h3 class="article_subtitle" style="color: #cc0000;">WATCH YOUR WALLET</h3> All life insurance prices are based on age.  However, each insurance company can determine your age differently. Some insurers use your actual birthday, while other insurers have age changes if you're within six months of your birthday. The bottom line is insurance companies can raise their prices at any time.  The best rates I can find for you a month or even a week from now may be substantially higher than the rates you see here today.  So, if you are sick and tired of outrageous life insurance costs... take a stand.   Call me immediately at the 800 number listed at the top of this page and PLEASE SMILE... you're about to find out how to save a lot of money! Sincerely, <img src="/images/jpsig.jpg" border="0" alt="Jan Pinney, helping you get the most out of your life insurance policy" /> Jan Pinney

2010-01-15T17:33:02Z

Consumer Reports: Avoid Overpaying for your Life Insurance: Helpful Tips to Save on Life Insurance

Life Insurance Consumer Reports by Wholesale Insurance: Learn the Secrets to Save on Life Insurance! Don't Overpay!

consumer reports, life insurance, avoid overpaying, quote, quotes, insurer, sell life insurance, insurance

How to Avoid Overpaying for Your Life Insurance 5 true

2010-01-22T20:52:43Z

consumer-reports/overpaying-life-insurance.asp