Thousands of families trust the TERMBUYS.COM search engines to shop and compare “A” RATED Life Insurance companies and policies online!

What Sets Us Apart? 

Over 1800 companies market life insurance in the USA today. Our Agency, on a regular basis compares the ratings, performance and values of life carriers across the country. Each month, we monitor and select over 100 insurance carriers to compare into our national database search engine. We make sure we are presenting you, our client with sensible choices. While we have online presence, we still provide personal service.

Our objective is to help people; individual, family, & business to avoid overpaying for Life insurance, and to remind those of younger ages to enter into a life program now while:

1.      Rates are good due to age

2.      They don't have problems that later on could make them uninsurable!

3.      Do not depend on group life to be there when needed, (employment changes), then be left searching for coverage at higher rate ages!

4.      We remind FEGLI (Federal Civil Service) Employees that they should call us for a comparison, most Federal Employees have no idea how expensive their Life Insurance is going to become, and how little they are actually going have in later years!  Along with ways to increase the retirement annuity payout!

We recommend that buyers and clients take a very serious look at following our principle of:

"Making Low cost Term NO cost Term"

Consider “Return of Premium” Term

Return of Premium or “ROP” is especially affordable for those under 45, for Key Person business policies of 15 or 20 years. Anyone wanting to receive their payments back, if they outlive their policy. Protection if your loved ones need it, your money back if not.

We can offer our clients a combination of great values and security for their loved ones. As an example most people think along the lines of lump sum final settlement in case of death. We can show how to take a policy with perhaps a face value of $250,000, force it to pay $280,000, insure family income for given years, offer return of premium, (if not used), and still be affordable during the term! A guaranteed income stream and the higher amount of coverage for the price of the lower amount!

We can even show clients that buying a combination of Term and Universal life or Equity Index life is very economical, and yet provides a vehicle for higher coverage during a families growing years, gives life long estate protection and eventual retirement Funding. Importantly at affordable rates. Very reasonable plans for children and youth can guarantee insurability for life and actually provide a sizable annual retirement income. We can show you how, using the dollars Parents and relatives frivolously spent on children every year!.