Our Mission: To Help You Receive The Lowest Life Insurance Rates and the Best Policy Design For Your Needs and Budget.
BestChoiceLifeInsurance.com is an independent agency that is owned and founded by myself, Jack Venturi who started in the life insurance business working for MetLife in 1974. I just had to give away my age to tell you that. We work hard to make sure our clients are properly insured and at the same time pay the lowest premium for the product they have applied for. We sell the best insurance products available on the market and that is all we do. We are not a Jack of all trades working with other types of products or services. We do one thing and do it right.
We are not in business just to sell insurance. Our main mission is to make sure our clients get the maximum value from their purchase. This means making sure they purchase an insurance product that is going to perform if they need it many years from now. We have a support team that has everything from in house underwriters to specialist for every form of life insurance possible.
We complement our excellent product line along with unmatched product knowledge and customer support with service 7 days a week. If you contact our office on a Sunday or even Christmas, you will not receive voicemail. If you do, you will receive a call back to your voicemail message on an average of about 10 minutes. Our client service is unequaled on today’s standards. Contact us and simply find out for yourself.
Why Should I Buy My Life Insurance from Your Insurance Agency and What’s in It for me?
First let’s take a look at some of the most important reasons and then you can make this decision for yourself. For all practical purposes there are two types of insurance agents. There are the independent agents like us which we will talk about first.
The independent agents do not work for insurance companies plain and simple. They are normally contracted and licensed to use many different life insurance companies. We use over 40 of the most trusted and competitive life insurance companies in the nation. This gives us the major advantage of using whatever company would be the most applicable and beneficial for our clients. Especially when reviewing their specific information and lifestyles. We simply utilize the best company for the job who with be the most competitive for our client’s health age, tobacco use, age and other specific information.
On the other hand you have the captive agents who actually work for one insurance company. They don’t have the extreme advantage to shop the market for you like the independent agents do. This is a huge disadvantage that will never produce the lowest life insurance rates. To use a captive agent such as State Farm, Allstate or Farmers insurance would be like putting a ball and chain around your ankle. I think this is pretty much said for the very limited captive agents.
As independent insurance agents, we work for our clients in all 50 states and virtually guarantee nobody can help you get a lower premium or a better plan design for your money. We only give professional advice without the common sales fluff. If you appreciate this type of service, you will be very happy with our agency and get the results you are looking for.
How Do We Make Certain We Provide You with the Lowest Rates Possible?
If there ever was a good question, this one is definitely it. The one fact you definitely have to understand is life insurance rates are regulated by law. These regulations are not just limited to life insurance rates. All insurance rates in the are regulated by law. What does all this mean? If you compare rates on an agent’s website from Illinois, California, Wyoming, Texas, Arizona, New York or Indiana, you will find the rates are all the same. If you review the rates from an actual life insurance company website, you will still find the rates are still all the same.
The rates are published by the insurance companies and then approved by each states Department of Insurance. In plain terminology the rates are not and never will be negotiable. You may call your states Department of Insurance to simply confirm this. Many people unfortunately believe that purchasing insurance is like purchasing a new Sony television or that new car you always wanted. The rates displayed on our quote engine are as low as they go. Keep reading and I will tell you how we help get our new clients get the lowest possible premiums.
How do we help you secure the lowest rates if all the rates are regulated?
Keep in mind that there are over a dozen health classifications you could be placed with when you apply for life insurance. When you look at the fact that all these various health classes represent a specific premium. It makes sense that you would hope to be classified in one of the best classes such as Super Preferred or Preferred after the underwriting process has been completed.
- We work hard to make sure you get the very best health classification you can possibly qualify for.
- We shop the market to make sure you apply with the most applicable company that will offer you the lowest rates.
This may sound easy, but it can be time consuming and sometimes a little stressful convincing the carrier underwriters to do us and our client a good all-around approval on your application. That is just part of the job of a good insurance agent. The squeaky wheel gets the grease and we don’t rest until we get the best underwriting decision for our new applicants.
I have pre-existing conditions. Will these medical issues effect my application?
This questions answer definitely can go either way. It will all depend on what medical conditions you actually have. If you have serious conditions such as heart disease, Cancer, Emphysema, Obesity, nervous system disorders such as Multiple Sclerosis, Parkinson’s Disease or Gehrig’s Disease for example then yes. If you have high blood pressure, Hypertension, Arthritis or allergies then most likely not. It all depends on the condition and how advanced or extreme is it.
We have helped people who have or had medical issues such as Heart Disease, Cancer, COPD, Hypertension, High Cholesterol, Lupus, Crohn’s Disease, Bi-Polar Disorder, Diabetes, Anxiety, Hepatitis C, Barrett’s Esophagus, Breast Cancer, Open Heart Surgery, Multiple Sclerosis, Sleep Apnea, Life insurance for smokers, Stent Surgery History, Colon Cancer, Congestive Heart Failure, Strokes, Overweight/Obese, Alcohol Abuse, Drug Abuse and many more diseases and conditions.
Is my personal information secure with your agency?
Absolutely to say the least, your information is always our top priority second to none. During the quoting or pre-screening process, we never ask for any more than simple basic information. Our website is secure from hackers with a “secure socket layer” and none of your information is ever sold or shared with anyone. We are a family owned business which is totally unlike some of the large “Call Center” type agencies that employee many employees that come and go on a regular basis such as Intelliquote, Selectquote, QuickQuote and many others you see on TV and hear on the radio.
The one and only person working with any information would be limited to our company founder. When we discuss an individual health insurance information such as a medical pre-screen. The insurance companies never see your actual identity. Trust, honesty and integrity is what our agency is based on. Without these 3 ingredients we would be out of business.
Compare Instant Term Life Insurance Quotes with the Lowest Premiums
Don’t hesitate to call us today. We have the resources and the experience to help you. For well over 20 years we have been helping people find term life insurance quotes with the lowest rates available. We also provide the best selection of permanent insurance such as Universal Life and Whole Life insurance. We only work with the highest rated companies. As independent brokers, we work on your behalf and not an insurance companies. If you are in perfect health or have high risk medical conditions we can help you find the best rates. We utilize over 40 life insurance carriers. We can also help you find the lowest rates for smokers. Even if you smoke cigarettes on a regular basis you may qualify for low rates.
Our modern quote engine will display Term as well as permanent Universal Life plan designs. Universal Life provide coverage for the rest of your life exceeding the maximum of 30 years of Term insurance. Keep in mind that there is no charge or obligation for our service. Most people are looking for the lowest rates possible. The plans that we offer from Protective Life, Transamerica, American General, and Banner Life offer some of the lowest rates. Our quote engine also displays plan designs side by side so you can see who has the lowest rates. Keep in mind that all life insurance rates are regulated by law.
Give us a call today and let us help you find the best Term life Insurance rates for your specific needs quickly & easily. You can compare all your options from the comfort of your own home with our quote engine. If you are a female, check out our informative blog post that will what the difference in premiums are between the genders, Term life insurance quotes for women. Keep in mind that the use of alcohol can be taken into consideration when your application is being processed. If you drink alcoholic beverages, it would be a good idea to read our life insurance for alcohol drinkers blog post for more information.
Save Time & Money When You Purchase Your Term Life Insurance Online
All forms of insurance can now be purchased online just like many others products such as cars, homes, legal services, online banking, investments and many other products and services that were originally always purchased in person. You can now compare the best life insurance rates offered by all of the highest rated insurance companies within minutes. People no longer have to travel to their local insurance agency or request an agent to visit their home.
In our modern times you can now compare the best life insurance quotes in less than a minute. You can also compare them side by side to see how they compare to one another. This concept has influenced the insurance companies to show the best rates possible. This makes them more competitive which lowers the rates. Insurance shoppers can now have the advantage of intense competition between the carriers. This is thanks to the modern quoting tools that will display how one company compares to another. Compare free Term life insurance quotes on our quote engine anytime you wish.
Quickly & Easily Apply Over the Telephone in 10 Minutes
For many years people would always dread the idea of having to complete a 30 page paper application. Then the times changed and the invention of the online application saved the day and expedited the application process. We now use the very simple telephone applications to again cut down on the time consumption. This makes the application process more simple for everyone concerned. Individuals now go over the list of companies and determines what carrier will give them the best rates. They can move into a simple 10 minute telephone application.
If you are applying for high risk life insurance due to medical conditions, you can explain them over the telephone. You no longer have to answer all the questions on separate sheets of paper which can be very time consuming. Applying for life coverage has never been easier. A No Medical Exam Term life insurance application is extremely short with on an average of 10 questions. They do not require a visit from a Nurse for a medical exam.
Low Cost Term Life Insurance for Military Veterans & Active Personnel
If you are one of the great American heroes that keeps our country safe, we salute you. We also want to deeply thank you for your service to the United States. You have many excellent choices for purchasing life insurance. If you are an active member or veteran of the US Army, US Marine Corps, US Navy, US Air Force or US Coast Guard we offer you and your family our assistance. Many members of the military do not realize they can purchase life insurance on the civilian market. As I mentioned, if you are an active member of any branch of the military or a veteran, you have a lot of great cost saving options you probably did not know existed.
You can read the blog post that I have written that pertains to your branch of service that will explain everything in detail. Click on the link above to choose your specific branch of the military. The best life insurance rates will always normally be found on the civilian market. If you can avoid the VA to purchase your life insurance, you will be able to save a lot of money in premiums. Feel free to activate our websites quote engine. You will be able to compare the best online life insurance quotes from the most competitive companies. Do not to hesitate to call us with any questions you may have. We are here 7 days a week to help you. Thank you again for defending our country! One more thing, let’s not forget the brave men and women of law enforcement, our dedicated police officers. Visit our life insurance for police officers blog post.
A Simple Pre-Screen Can Help You Receive the Lowest Rates
If you have any medical conditions, a hazardous occupation, a dangerous sport or looking for senior plans, a simple medical pre-screen can save you a lot of time and direct you to the most applicable carrier to apply with. This is a very simple process of us conversing with multiple insurance companies before you apply. This will show us what company will offer you the lowest premiums. A free medical Pre-Screen can eliminate any surprises later and make the application process go smooth and simple. A pre-screen is especially important for people in the high risk classification. We can give you high risk Term life insurance quotes right over the telephone.
We offer this service at no charge or obligation. All the life insurance companies underwrite their applications differently. We utilize over 40 highly trusted companies to help you receive the lowest rates possible.
Compare Term Life Insurance Rates from the Best Life Insurance Companies
Before the development of the internet and the modern quoting engines of today, the carriers were never placed in a position to have their rates easily shown on a side by side basis online. This would make it difficult to visualize all the various companies and their rates to see who offered the very best term life insurance rates. This has all changed and now there is fierce competition between the carriers to become more and more competitive.
In our tough economy, people are looking for the lowest premiums they can qualify for. Our easy to use consumer quoting tool will display free quotes comparisons. You may compare all the major forms of life coverage such as affordable Term insurance and the permanent plans. Universal life and Term plan designs can be displayed side by side. Here are just of the companies we work with: Banner Life, Prudential, Protective Life, Lincoln Financial, Voya Life, SBLI, Minnesota Life, Assurity, Genworth Financial, AIG American General, New York Life, Principal, Sagicor, Transamerica MetLife and many others.
Your Life Insurance Is Only as Good as Your Agent or Broker
It goes without saying that who you purchase a product or service from is very important and that holds true with any type of insurance as well. It takes many years of training and experience to become a seasoned veteran agent or broker. Your life insurance portfolio should always be designed by your insurance professional for your specific needs and budget. If it is not designed properly you may have a serious problem down the road. You can easily outlive your policy and having no coverage when you need it most. I see this happen on a regular basis along with other issues like not having a higher face amount. Your dependents could have a serious financial problem. Even though you have purchased what you thought was the best life insurance policy at the time. Check out our about us page to read more about us and what we do to help our clients purchase the best insurance products.
Purchasing a life product is a very important to say the least. You want to make sure you have purchased the best plan design for your specific needs. Review all the best online Term life insurance quotes on our modern consumer quoting system.
Our mission is to make sure we help you secure the lowest rates and the proper plan design. We want your family dependents are properly protected if something happens to you. We specialize in always staying on top of the insurance market. Also, making sure we know and understand the newest plan designs and benefits that our companies offer. Our job is to also make sure you have the best plan design that will give you peace of mind. If anything happened to you, your dependents should be able to continue on. This eliminates financial issues that could very easily change the course of their lives.
How Does the Use of Prescription Medication Effect Your Rates?
The use of prescription medications can have a minimal impact on your final rates or they can have a considerable effect depending on what specifically the medication is by name and the dosage you take. Each medication has a purpose and it is used to control a specific medical condition. An applicant that takes prescription medications does not always put them into a high risk life insurance category. The exact purpose your taking this medication for is going to be the most important factor. The companies are not totally concerned about the exact drug so much as what it is used for. If you apply for new coverage and you take a medication, it might not have any effect on your rates. Sometimes the use of medications have little effect on Term life insurance quotes.
Many people use Diovan for high blood pressure and their blood pressure is easily controlled by the drug. The companies will have no problem with the use of this medication. They are more concerned about the high blood pressure being controlled. Some of the High risk requests we see most often are life insurance for Diabetics. We also see life insurance for high blood pressure, high cholesterol and overweight people.
They would much rather have you take prescription drugs to keep medical conditions in check. This is better than have a medical condition and not do anything to control it. Most people are looking for the best rates. Always be honest on the application and explain all your concerns with your agent.
All Life Insurance Rates are Regulated by Law
The important fact to remember is that all insurance rates regardless of what type are published by the companies. The rates are next approved by each state’s Department of Insurance and then allowed to be displayed to the consumers. This means life insurance rates are regulated by law and nobody can sell the same policy for less or more money than another. If you are looking for lowest term rates, you must use the most applicable carrier. You may review instant life insurance quotes on our websites quoting tool.
We shop the market to find the carriers that has the lowest rates and the best rate class. This is how to secure the best life insurance rates possible. Premiums cannot be discounted like a car or television set. Get free quotes on our consumer quote engine by simply pressing the “Get a Free Quote” button.
High Risk Term Life Insurance for Applicants with Medical Conditions
Many people fall into a High Risk category due to medical conditions, their occupation or sports they are involved in. We have a lot of experience working with High Risk Life Insurance. You can still secure affordable rates with medical conditions. We offer the best term life insurance for people with medical conditions. These conditions can be Heart Disease, Cancer, High Blood Pressure, High Cholesterol, Diabetes, Depression and many others. Whether you have diabetes, a past history of heart disease, we have seen it all. We are very successful finding folks with serious health conditions life coverage.
Some of the sports would be scuba divers, hand gliding, cliff diving, and life insurance for drag racers. Also, diving, boat racing, motorcycle racing and many others. High Risk life insurance also includes life insurance for smokers and Senior citizens. Just because you are in a high risk classification, you can still purchase cheap insurance. Just some of the High Risk insurance requests we see most often are life insurance for Diabetics. Also, life coverage for high blood pressure, high cholesterol and for overweight people. These are very common conditions in the US. Run our quote engine and review instant low cost term life insurance quotes online. We can provide you one way or another with low cost life insurance regardless of your health.
How Much Term Life Insurance do you Really Need?
How much life insurance do I need? This is probably the most common question asked by people who are considering purchasing life insurance. Normally, if a families principal income provider passes away, the monetary loss can usually be financially terrible. The financial well being of the dependents could very well be at risk. This tragic type of financial impact can change a dependents life forever. Our life insurance death benefit calculator will help determine the best face amount for your specific needs. The proper face amount should allow the deceased person’s family members to go on living a normal lifestyle. The object is to purchase just the right amount of life insurance coverage. This is where the volume of life insurance will be sufficient to satisfy your financial liabilities. Applying for just the right amount of coverage can be achieved by using this life insurance needs calculator. If your situations call for million dollar life insurance quotes, our quoting system can quote up to $10,000,000 face amounts for you.
Get the Best Term Life Insurance Quotes with No Medical Exam Required
If you’re looking for Term insurance coverage quickly A No Medical Exam plan design may work perfect. A Simplified Issue otherwise known as No Medical Exam Life Insurance may be just the ticket. The many companies we use also offer No Medical Exam Life Insurance for Seniors also. If you want the lowest rates, fully underwritten policies are the way to go. Some people do not want a physical exam with a nurse visiting your home or office. In this case these Non-Med policies can be the way to go for you.
Many times people need their insurance quickly to satisfy a loan company or court order. A No Medical Exam policy can definitely work out great for you. If you need a life plan and you smoke cigarettes or cigars, you can get very competitive rates. Our quoting system will allow you to compare free online life insurance quotes. Which include No Medical Exam plan designs. Call us for quotes with any pre-existing conditions you may have. You will get answers to your questions within a matter of minutes.