Select Quote Life Insurance

Select Quote.com vs. Affordable Life USA

Do any of these situations sound like your situation:

• You do not want to be “high pressured” into buying life insurance.
• You are trying to get life insurance with pre-existing medical conditions.
• You are a business owner requiring a death benefit above $1,000,000.
• You would like quotes from many different life insurance companies.

If so, it is imperative to understand the benefits of working with our independent agency! Here are a few key things to consider when choosing the best agency for your family.

 Select Quote.com has Pressure to Make Sales.

Remember, SelectQuote.com has enormous overhead expenses compared to a small independent agency.

They must pay millions in salaries to hundreds of agents and employees.

Not to mention the office space to house their massive call centers. They have recently hired over 400 people and moved into a new office in Kansas, investing about $12 million to renovate their office to accommodate their large sales force.

This means there is pressure on upper management to sell tons of life insurance to pay for their enormous costs. 

Agents working in call center environments such as Select Quote, Termfinder, Accuquote, or AIG Direct only focus on making new sales.

Select Quote.com agents will try hard to sell you a policy on the first call to make their quota.

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Here is how they will try to close the sale:

• Quote you the cost of your life insurance
• Selecting the best insurance plan and death benefit
• Completing an application on the phone
• Setting you up with a medical exam

This is all done on the first time they talk with you!

Since SelectQuote has many bills, agents must meet a quota to keep their jobs. Since agents give many online life insurance quotes, it becomes challenging to quote accurate premiums.

This usually happens by quoting attractive prices without asking enough health questions to provide applicants with the most accurate term life insurance quote.

Affordable Life USA has No Sales Pressure.

We are a smaller agency with a smaller adverting budget and staff. We select life insurance quotes from a network of many of America’s top-rated life insurance companies.

How much does life insurance cost? 

You can find estimates of your cost for life insurance without talking with an agent by using our free insurance calculator.

Our quotes are available without filling out any detailed personal information. This allows you to select insurance quotes from hundreds of plans and companies.

SelectQuote.com for People with Medical Conditions

Select Quote reviews hundreds of applications daily and has a large team of people handling the underwriting of your file.

Your original agent may not be updated on the status of your file as it moves through the underwriting process.

This quoting strategy works fine for people in perfect health!

Senior citizens and people seeking life insurance with pre-existing conditions can benefit from niche companies that use a clinical approach to underwriting.

Obtaining an affordable life insurance policy can also be a cumbersome process. This is very important to remember if you are older or have a few minor health issues.

Selectquote does have several insurance companies that work just fine for healthy seniors seeking life insurance coverage.

However, if you have a medical condition, you may need to get an impaired risk company involved to secure the best policy pricing.

It can be complicated for a stressed-out select quote agent to determine how your medical history fits each company’s underwriting guidelines.

Select Quote insurance services does have a specialty division for seniors. But, the Selectquote senior division works only with Medicare supplements and Medicare Advantage plans.

Affordable Life USA for Medical Conditions

People buying life insurance with diabetes, hypertension, depression, and other common medical conditions need more agent intervention and a larger pool of insurance companies.

Having many different insurance companies to choose from will increase your probability of finding cheaper premiums for life insurance.

Since many insurance companies will request your medical records from your doctor, special attention needs to be focused on honoring these requests promptly.

This is often the case with older applicants, who often have many doctors. We have found this extra effort is paying off when underwriting life insurance for seniors over 70.

Typically, our veteran agents shop extensively to select insurance companies best suited to your medical history.

After reviewing your medical records, we can utilize many insurance companies to find the best rates in today’s marketplace.

Furthermore, more expertise and companies are required if your application is approved with a higher premium than initially quoted.

This typically requires a select quote review of your file to begin shopping with multiple life insurance companies to get a cheaper offer.

This will require more effort by the Select Quote agent, who may not have the time or incentive to shop around for you.

SelectQuote.com for Business Owners & Executives

Successful executives, doctors, and small business owners often require significant life insurance policies.

Wealthy people require many services and advisors aware of their unique planning needs. This specialization is often hard to find at a local general agency or big call centers like Select Quote.

Many SelectQuote agents are unfamiliar with how to properly structure insurance coverage for a Key-person policy or Buy-Sell coverage.

Many wealthy people also need Survivorship Life Insurance to protect their estates.

These policies can be complicated and may pose problems for an agent working in the SelectQuote call center.

Affordable Life USA for Business Owners & Executives

Business owners and executives can benefit by working with Affordable Life USA because of our specialized life insurance focus.

Many high-net-worth individuals purchase business life insurance based on the recommendation of their key advisers.

We work in a coordinated effort with these advisors to provide affordable life insurance coverage and a properly structured policy.

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How We Can Assist Business Owners:

• Protecting their income with life insurance
• Covering a large home or business loan with life insurance
• Providing a key person policy for their business
• Offering buy-sell coverage for their business
• Securing Survivorship Life Insurance to protect their estates

Often, a term life insurance policy is appropriate for our wealthy clients. However, business owners that need coverage to last for their entire life should consider universal life insurance.