Big Lou insurance ads feature a funny persona trying to get life insurance from the life insurance agency called TermFinder.
TermFinder has targeted its advertising toward those that are overweight, have preexisting health conditions, or that have struggled to find life insurance coverage.
But before you jump to any quick decisions, we encourage you to read our TermProvider Review to determine if Big Lou is the right choice for you!
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About TermProvider, Big Lou Insurance
TermProvider Inc. was started in the early 1980s and is currently located in Fort Walton Beach, Florida.
TermProvider Big Lou insurance focuses on offering competitive life insurance rates to people with many pre-existing health conditions.
Often those with medical conditions struggle to qualify for coverage, which is unfair, and TermProvider recognizes this disadvantage.
That’s why they have helped over 100,000 people get the life insurance coverage they need for over thirty years.
TermProvider takes pride in offering no obligation, accurate quotes to shoppers the first time they reach out online or when calling the Big Lou life insurance phone number.
No one wants to be surprised with a much higher policy than they were initially quoted.
That’s why TermProvider takes a “no-bull” approach to get life insurance shoppers the correct quote the first time.
Big Lou Insurance Commercial
Who is Big Lou?
TermProvider Inc. created big Lou as a fictional character for most of their radio life insurance commercials.
Although Big Lou insurance ads can be offensive to some buyers, they seem to be effective because they are relatable to many consumers.
These hilarious ads often poke fun at having an ex-wife or having a trophy wife and needing life insurance coverage.
Big Lou is on meds too!
Other Big Lou life insurance ads emphasize that ordinary people with health issues can get life insurance.
Big Lou is portrayed in radio commercials and talk shows such as the Howard Stern show as an average male needing term life insurance coverage.
He is pretty healthy, however, he has a few health issues, such as being overweight or trying to get life insurance with diabetes.
Because of his pre-existing health conditions, he worries he may not find the right life insurance policy.
Yet, all Big Lou has to do is call a TermFinder life insurance agent to find the best coverage for his needs.
TermProvider Insurance Policies
TermProvider Insurance PoliciesTermProvider must review your life insurance needs before recommending the best type of policy for your family.
Here are two common questions that you should ask yourself before choosing a policy:
- Are you covering for a specific need such as mortgage insurance protection, income replacement, or only for final expenses?
- Do you need coverage for a certain number of years, or do you need coverage for the rest of your life?
Once you have answered these two easy questions, you can better decide which policy best suits your family.
Termfinder offers three main life insurance options:
- Term life insurance – Typically, term life is the most affordable option. This type of policy covers you for a set period, usually 10, 20, or 30 years.
- Universal life insurance – With guaranteed universal life, there is a guaranteed premium and death benefit for the policyholder’s life, along with a cash value that the insured may take advantage of before passing.
- Whole life insurance – Whole life has no set terms and protects the policyholder for the entirety of their life while guaranteeing a payout upon their death. Whole life policyholders can choose between participating and non-participating policies, with participating policies, earn dividends throughout the policy’s life, whereas non-participating do not earn dividends.
Life Insurance Companies offered by Big Lou
- AIG
- American National
- Banner
- John Hancock
- Lincoln Financial
- Mutual of Omaha
- Pacific Life
- Protective Life
- Prudential
- Transamerica
Big Lou Life Insurance Quotes
Big Lou Life Insurance QuotesYou can only get a Big Lou life insurance quote by speaking directly with a licensed agent. They do not provide instant life insurance quotes online.
Instead, they want life insurance shoppers to get an accurate quote the first time and not be surprised by the difference in price from typical online quotes to the actual quote they receive after underwriting.
This is done by having life insurance shoppers speak with a real agent, so the agent can get accurate information regarding the shopper’s lifestyle, medical history, and other information needed to quote the shopper correctly.
Plus, most TermFinder agents really want to sell you a policy on your first call.
How quickly does Big Lou offer policy rates?
Life insurance shoppers can get their policy rates from Big Lou very quickly. How quickly depends on how fast shoppers call the Big Lou phone number to speak with an agent.
Shoppers can call the toll-free number directly and get a quote on the same phone call, or they can start filling out the form online and schedule a call with an agent up to one month out.
Buying Coverage From TermFinder
Buying Coverage From TermFinderShoppers can apply for Big Lou life insurance in a few simple steps.
First, you can call Big Lou to speak directly with an agent or fill out a form online to schedule a call.
On the call, shoppers will answer questions regarding their application, such as lifestyle behaviors, medical history, driving behaviors, and other related questions.
The agent will find the best premium rates from different life insurance companies.
From there, you can choose which company to go with, and your agent will assist you through the application process.
Once you have completed your online application, a paramedical exam will be conducted at your home.
During your brief examination, the nurse asks questions about your medical history, takes your physical measurements, checks your vital signs, and collects blood and urine.
The entire exam process only takes about 15 minutes to complete!
Most companies will also gather your medical records to ensure the information you provide the nurse is accurate.
Once the insurance company approves your application, you will receive the final cost of your life insurance policy.
Hopefully, the quote initially provided by your Big Lou agent before being sent into underwriting will be the same or similar.
This process is much better than companies like Ethos Life and Ladder Life, which use algorithms to make underwriting decisions bypassing typical agents and underwriters to sell their term life insurance policies.
Help, My Big Lou Policy is Too Expensive!
Help, My Big Lou Policy is Too Expensive!TermFinder.com has to pay salaries to many licensed life insurance agents compared to a smaller independent agency.
Most agents working in major call centers such as AccuQuuote, Select Quote, and AIG Direct are often high-pressure and are only focused on making new sales.
Sometimes applications get stuck in underwriting for months in big call centers with no official offer for coverage.
Other times, your finalized offer for life insurance is much more costly than what was initially quoted to you.
Please remember, you don’t have to make a decision right away!
We always advise speaking with another independent agent as a logical choice for intelligent life insurance buyers in these common situations.
Why Choose Affordable Life USA?
We are a small independent agency with a much smaller advertising budget and staff. We have partnered with some of the best-rated insurance companies and helped thousands of families purchase coverage.
Some insurers like Lincoln Financial, Prudential, Pacific Life, and Transamerica offer the best rates in today’s marketplace.
When you choose the right independent agency, you can expect personalized service and attention from someone who understands your specific concerns.
We advise how much protection is proper for you based on your income level, assets, debt-to-income ratio, family situation, and other essential factors.
You can even find free quotes for life insurance without talking with an agent using our life insurance calculator.
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Affordable Life USA is a leading independent insurance agency offering comprehensive life insurance solutions to clients nationwide.
Eric Van Haaften, LUTCF
1-877-249-1358
