Protect Your Biggest Assets ~~ Your Family!!

Hi!  Welcome to our site! 
Our company was created to provide insurance consumers quick, easy access to their life insurance policy. 
We maintain high standards on the companies we work with, while providing excellent service throughout the process. 
Our focus is on providing lots of policy choices for your family’s future. We strive to provide you with the best possible 
customer service while offering a wide variety of life products to best suit your budget or lifestyle. 
I wish we had the ability to give you life insurance rates found no where else on the Internet. 
The truth is you can go to hundreds of Term Life Insurance search engines and the rates and companies will be the 
same ones you will see here today. 
My point is this. Yes it is true, lots of companies say they can save you 50-70% on your life insurance rates, 
but it takes an experienced team of professionals to successfully secure those rates directly from the insurance companies.
I can do that for you. 
The fact is we can provide a quick and convenient way to shop for and purchase life insurance 24-hours a day from the comfort of your home or office. 
We have a searching technology designed specifically to find you the best prices on life insurance. 
You complete the questions on our quote form and in a few seconds our search technology will search through all the top life insurance companies. 
Every search is accurate and un-biased, and provides you an easy to understand comparison of the most competitively priced policies available to you. 
Term Life Insurance rates continue to be very low but, there is no guarantee the trend will continue. Now is a great time to lock in your life insurance rates. 
You have my personal guarantee that we will work hard on your behalf to secure you the lowest rates available in the market.

Click This Link to go to the Quoting Engine.
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The Importance of Life Insurance

Losing someone close is one of the toughest things we will all have to deal with. 
If that person has not properly planned ahead to cover the expenses they have left behind then they leave a tremendous burden on their loved ones.
The grieving process is difficult enough but when complicated with financial issues can leave bitter feelings. 
The last thing someone wants to be remembered for is not properly planning ahead.
Term life insurance is a cost effective way to protect the ones you care about from having to clean up a financial mess after you have passed on. 
Several unexpected costs arise after death such as funeral expenses and burial costs, medical expenses, and other costs that normally rise into the 
tens of thousands of dollars. In addition to these final expenses there are the normal costs of living to pay for. The regular monthly bills such as mortgage 
payments, insurance, loans, and other expenses must still be paid even though you’re gone. All of these expenses can quickly deplete your savings or 
retirement money and force loved ones to sell things below value. You need liquid assets that can be available quickly after your death. 
Even high net worth individuals  need life insurance because houses, property, and other investments can’t be sold fast enough to provide the required assets. 
If your loved ones are forced to quickly sell investments such as houses, property, stocks, or mutual funds, they possibly will take a loss just to get the money.
Stay at home parents and non-working spouses are often over looked when it comes to life insurance. 
The loss of a stay at home spouse means that the working spouse will often have to quit their job or pay  for someone to take care of kids and tend to the things at the house.

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Top 10 Life Insurance Purchasing Tips

1. Don’t wait till you REALLY NEED the coverage! By that time you’ll be that much older, you’ll be sick or you will have encountered a health issue that will cause your premiums to be significantly more than you anticipated. That is of course if you can even qualify for the coverage!

2. The highest financial rating doesn’t necessarily mean better coverage. The important thing is to at least be looking at an “A” rated company. There is little, if any difference between one companies term policy and another, 
so basing a decision solely on ratings won’t always get you best deal. The highest rated companies tend to be more conservative in their underwriting and attaining the “best available” with them will be a bit more difficult.

3. Shop online first before you meet individually with an agent! Many online life insurance brokerage companies can be a useful source of information and can save you up to 75% on your premiums. 
The reason is of course because they are impartial and are not driven to sell you only one company’s product.

4. Pay annually if you can afford it. Paying annually can save you up to 20% with some companies versus monthly, quarterly or semi-annually.

 5. Don’t smoke. If you are trying to save money than being a smoker won’t help your cause. 
     However, if you do smoke, most companies will let you re-apply for nonsmoker rates if it has been at least 1 full year from your last usage.

 6. If you have cholesterol or blood pressure issues get it controlled with medication. Insurance companies don’t like to see health issues go unattended. 
     If you are doing something to control it they will likely    look at that favorably and give you the benefit of the doubt when it comes to approval time.

 7. If you are considering buying $90,000 of coverage, buy $100,000 instead. Many times it will cost less, the same or just a tad more for additional coverage. 
    Insurance companies give breakpoints at $100,000,    $250,000, $500,000, $750,000, and $1,000,000.

8. Read the “Prepare for the Medical Exam” section before completing your exam. Eating a few Twinkies or calling your stockbroker a half hour before your exam will surely turn your lab results sour and cost you big time!

9. Obtaining coverage through your company’s plan may be a good alternative…in the short-run. Many employer’s plans however are not portable and won’t let you continue your coverage if you leave. If you need coverage then, you’ll have to apply for an individual policy anyway. Don’t leave it to your employer to take care of you!

10. If you’re 30 ½ years old, you’re as old as 31 in the eyes of the insurance company. Most insurance companies round up when determining your age and because premiums increase with age that can make a big difference. So, if you’re approaching 30 ½ and you have thoughts of applying, don’t wait!

Contact us at: insuranceconcepts@att.net 
Insurance & Business Concepts                                                                                                                                    
Plainfield, IN 46168
Office: 1-800-925-8672
Local: 317-838-0352
Fax: 317-838-0368

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