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I've been looking at term4sale and it stated when finding the best policy the cheapest policy is not always the best.
Let me answer that, because I wrote it. I am Bob Barney, and I own Compulife which owns www.term4sale.com.
Anyone will say that about virtually ANY consumer product, where there are alternatives. Do you think there is ANY consumer who would not agree with that?
Have you noticed that not everyone drives the same car?
There is an important question on the top of every quote that a consumer sees at www.term4sale.com. It says:
Can you qualify for the premiums in this comparison?
And as soon as the consumer starts filling in the blanks, what was the cheapest may not even be available.
When it comes to term life why is it that a more expensive policy would be considered the better policy?
At the bottom of the quote it gives examples of things that a consumer should consider. Please read through those items, and feel to ask about anything you don't agree with or understand. Again, I wrote it, and I am happy to tell you why I said what I said.
Sorry if this is a dumb question I really don't know anything about insurance yet but I am learning more everyday.
And a lot will come from actual experience doing business with a variety of companies. NO one company is good on everything, which is why neither agents or consumers should restrict themselves to any one company. But then I have heard rumors that Primerica may be opening the door to its agents placing business with other companies for term, and that may solve the biggest weakness they have had for many years.