Life Insurance is changing. Buying life insurance face to face is no longer necessary. Everything can be done online and over the phone because customers are seeking pure protection with simplicity, speed and convenience. Captive agents are becoming less relevant and life insurance call centers out there are starting to offer “free life insurance quotes with many companies!” But the truth is, getting a quote is always free and life insurance rates are fixed by law no matter where you get them. The only difference is always in the knowledge, service and options you are provided. I know you’re thinking “I knew that” and I know you did, hindsight is a beautiful thing.
The Problem
There are only a few call centers on the block and they have deep pockets with bad intentions. They tell you to compare rates and in the end stick you with a product that fits their best interest, not yours. They offer life insurance products based on what will bring them more revenue and not what will solve the clients problem. We’re not into name bashing (or lawsuits) but I’m sure you’ve seen the friendly commercials with celebrity endorsements. The problem is when you call, the service does not match the message. They promise to let you select quotes but instead you get an agent talking to you through a script with the end goal of getting a sale, not helping you get coverage.
Here are a few things their employees and customers are saying online:
- “Blind leading the blind.”
- “Bad communication, no one responds to phone calls….. only interested in making a sale.”
- “All they care about are numbers.”
Do these really sound like places you want to buy life insurance? Life insurance is perhaps one of the most important decisions you can make because it will be responsible for taking care of any or all your financial responsibilities. You don’t want to leave this in the hands of money hungry, amateur salespeople. I say salespeople because real life insurance agents are held to a high ethical standard.
So Don’t Select Quotes, Insure Chance!
There is a new kid on the block. InsureChance is on a mission to rid the industry of self oriented business people.
What makes us different?
There are many independent life insurance distributors out there that offer the same companies at the same rates because all rates are fixed by law. What makes InsureChance different is the customer’s experience.
We’re not a lead generation agency
Many marketing websites online pretend to be life insurance agencies when in reality they gather all your information and sell it to call centers nationwide. This leaves you receiving dozens of calls a day from telemarketers who have been trained to sell you a “one size fits all” life insurance policy. At InsureChance we have a strict privacy policy and we will be the only ones to contact you, per your request, to help you find the right plan.
We’re independent
That means that we don’t represent any one particular company, we are able to get life insurance quotes from all the companies to get you the best rate for your specific situation and/or health condition. Remember the best quote on the quoter isn’t always the best rate for you. Each carrier looks at you differently, that’s why you have to be careful to get an agent who is familiar with what the companies look for and can find the company that will look most favorably at your situation. Most call centers say they represent multiple carriers but are really only allowed to sell a select few because its best for the bottom line, their bottom line, not yours.
We Keep it Simple
Our passion is to make life insurance a fast and an easy process by delivering the products to our customers in a way that they can understand exactly what they’re getting and why they’re getting it. We stay away from industry lingo and make sure we identify needs based on individual cases. We also offer things like no medical exam policies and ability to apply without any paper applications.
No sales pitch
Most agents and call centers are always talking to you through script with the end goal of “closing the sale” and earning a commission. They select quotes and plans for you. At InsureChance we only hire life insurance specialists who are looking out for our customers best interest. That’s why we have a no sales pitch policy. That means no high pressure salesman and no scripted responses. We also use things like screen share and video chat while we tailor plans to fit your specific situation, explain them in detail and give you options to choose from.
Stay away from any call centers offering free quotes. Don’t select quotes, get life insurance today with Insurechance! Feel free to learn more About Us Here.
