Saving You Money For Life

At AccuQuote, we do more than offer free life insurance quotes. We take pride in the fact that we offer some of the fastest service in the industry. One of the things we’ve done recently is implement technology that allows you to apply for term life insurance without a formal paper application. That’s right – we can now do it using an electronic application and electronic signature. What this means to you? A simpler, even faster way to sign and submit your life insurance application. No paper, no pen, no hassles.

It works like this:

• After speaking with us, we’ll send you an email with a secure link to the online term life insurance application. Just open the link, review the application and complete the sections that need your attention – we’ll highlight them for you.
• Then, simply click the “sign” button where indicated. By doing this, you are authorizing your signature, electronically.
• Once the application is completed and electronically signed, it is sent to the life insurance company for underwriting.

The result: An error free application that significantly improves turnaround time. We’ve seen a dramatic decrease in the time it takes to get a life insurance policy issued this way!

Keep in mind, not every life insurance company offers this process yet, but many of the carriers we represent do. And even where it is available, it’s never mandatory. However, we highly encourage our customers to use it. It’s easier than a paper application, it saves you time and it’s environmentally friendly because there’s less physical paper involved.

For more information about the electronic term life insurance application process and its availability contact AccuQuote today.

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In this podcast, Byron Udell, one of the nation’s foremost life insurance and annuity industry experts, talks about a new technology that makes applying for life insurance easier and quicker than ever.

Size: 4.46 MB

Length: 4:52 

Click here to download

Subscribe in ITUNES

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Four of the life insurance carriers we represent have just announced that they will be lowering their term life insurance rates as much as 4 to 10 percent! If you’re in the market for affordable life insurance, there’s no better time to lock in low rates than now! And keep in mind; if you’ve had a policy for several years and you think you’re paying too much, you can reapply for a lower rate using AccuQuote’s free life insurance policy review and analysis service.

For more information about the dramatic drop in life insurance rates or for free life insurance quotes from one of these carriers, contact a licensed life insurance agent at AccuQuote today!

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You know you need term life insurance to protect your family’s financial future. But the real challenge is determining how much coverage is enough.

First of all, think about why you’re buying a life insurance policy. You’re probably buying it because someone depends on you financially, right? You want to have enough coverage so your family can maintain its current lifestyle and reach long-term goals even if your income is taken out of the picture.

You generally need term life insurance if you have children, whether you’re the breadwinner or a stay-at-home mom, both roles make a big financial impact on your lives. But even if you don’t have children at home, you need life insurance if your spouse depends on you to help with household bills and living expenses. And even if you’re retired, you still need life insurance is your spouse depends on your pension benefits that will end when you die.

Most experts recommend having a life insurance policy that equals 10 to 20 times your annual salary in coverage. However, don’t rely on rules of thumb because your financial situation is different than your neighbor’s. For a simple way to calculate your life insurance needs, use our term life insurance calculator. Once you have determined how much life insurance is enough, contact AccuQuote for free life insurance quotes.

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According to the U.S. Department of Labor, the average American family of four spends $8,513 per year on groceries. If you do the math, the average family is spending over $700 per week on groceries, if not more.

While some people can afford to splurge on premium ingredients and brand names, the grocery store is also one of the most common places where people overspend. Have you ever gone to the store for “just one thing” and left with an $80 hole in your pocket?

Here are four ways to saving at the grocery store from mygloss.com.

1. Tip #1: Don’t go back. Designate one day of the week for grocery shopping and don’t switch up your schedule. By popping into the market every other day for ground beef here, basil there will tempt you to make unnecessary purchases and send your monthly shopping bill sky high.
2. Tip #2: Shop the perimeter. The outer aisles of grocery stores typically stock the healthier food – fruits, vegetables, dairy and meats. Avoiding the inner aisles, which stock mainly processed and snack foods can help reduce the temptation to spend money on packaged crackers, cookies and sugar-sweetened cereals that your waistline – and your wallet – are better off without.
3. Tip #3: Clip Coupons. Thanks to the internet, it seems that there is a coupon for practically everything out there these days. Don’t hit the grocery store before you’ve shopped online for bargains. Some sites guarantee a $500 annual savings on groceries for $5.95 per month. Great for busy families, it does the work for you and automatically adds coupons onto your grocery stores loyalty discount cards. Not too shabby.
4. Tip #4: Be selective. When it comes to deciding between premium brands and generic supermarket varieties, prioritize. Know what items are the same – like generic cream cheese, and know where you want to splurge, such as on items like fresh squeezed, all-natural juices and slightly pricier Greek yogurts.

For more saving you money for life tips, keep reading AccuQuote’s blog. And, for ways to save money on term life insurance, contact AccuQuote for free life insurance quotes.

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“I sell life insurance. Other salespeople are limited. They sell just furniture, appliances, cars or shoes.

I sell these things too. And I sell many things more. I sell meat, bread and milk for the table of a family deprived of a father or mother. I sell canceled mortgages so that mother or father and children can live comfortably. I sell college educations to give the children better opportunities in life.

I sell the little extras – Ice cream cones, roller blades, movie tickets and a dress for the prom. I make life worth living.

I sell time with grandchildren, golf clubs, fishing tackle, exciting trips, retirement income and self respect for later years.

I sell all the necessities and good things for life, because life insurance is for the living. Yes, I sell life insurance and pardon me if my pride is showing. “

Author Unknown

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It’s summertime! Time to review your term life insurance needs. In the midst of traveling on vacations, attending BBQs and boating with friends and family, it’s important to make sure your life insurance needs are met. No one likes to think about it, but anything can happen. Make sure your family is protected when you’re participating in fun summer activities like swimming, water skiing, driving with the top down, etc.

Here are a few things you should look for in your life insurance policy:

• Face amount – Experts recommend having 10 to 20 times your annual salary in life insurance coverage. Make sure your existing coverage will take care of your family financially should you die today. Also, keep in mind any major life insurance events that have happened lately, such as getting married, buying a house and having a baby. These events usually indicate the need for more life insurance protection.
• Term length – If your term length is due to expire or a major life event has occurred, you may need to extend your coverage period. If your term life insurance coverage expires before you die, your family won’t be able to collect the proceeds from the policy – leaving them in a vulnerable financial state.
• Cost – Term life insurance rates are currently near record lows. You may be able to save thousands of dollars over the life of your policy if your replace your existing policy with a new, lower priced policy. But never cancel an existing policy until a new one is paid for and in force.

Contact AccuQuote for a free life insurance policy review and analysis. Five minutes is all it takes to determine if your existing term life coverage is adequate. If you don’t currently have life insurnace, contact us for free life insurance quotes today!

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If you have a child with special needs, you need term life insurance. Caring for a child with special needs requires very careful financial planning, especially when you are aware that your child may not be able to take care of him or herself when you are no longer around.

The Facts: A survey conducted by The Hartford revealed that out of 580 parents of children with special needs, 23 percent said they spend at least $500 a month to address their child’s special needs. Although 60 percent of parents believe these costs will continue into adulthood, less than half have a plan to cover the cost. Only 42 percent of parents with a financial plan are confident it will cover their child’s lifetime needs. Most parents choose life insurance as a way to protect their children’s future needs.

Most experts recommend having 10 to 20 times your annual salary in life insurance coverage. However, salary is not the only factor to consider. It is up to you to determine how much life insurance will be enough to cover your child’s special needs care when you are no longer around. AccuQuote’s easy-to-use term life insurance calculator can help.

For more information on special needs planning or for free life insurance quotes, contact a licensed life insurance agent at AccuQuote today!

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From the east coast to the west coast, it’s hot out there! With many of us trying to cut back on our summer spending, it doesn’t make sense to crank the air conditioning to sub-zero temperatures. So what do we do…sweat it out? No. There are ways to keep cool this summer without blowing your budget.

Here are just a few tips from The Huffington Post.

Programmable Thermostats – Keep them set at 78 degrees when you’re out of the house during the day. Upon entering the house, you can turn it down to something a bit cooler if you wish. By doing this, as opposed to turning them on and off everyday, you’ll not only prolong the life of your air conditioning unit but save money!

Ceiling Fans – Ceiling fans have come a long way since those ugly white paddles with the even uglier brass string hanging down. They come in a whole bunch of finishes and sizes.

Shades/Draperies – The same thermal shades that keep you all toasty in the dead of winter will cool your sweaty self in a heatwave, plain and simple. The all day heat on your windows is where your home loses so much energy. And money! Pull the shades, draw the curtains.

Lightbulbs – If you’re still using the old school bulbs, change them! Long-lasting compact fluorescent bulbs produce about 70 percent less heat than standard incandescent light bulbs. Less heat, less cash!

Attic Insulation – While most people think about installing attic insulation in the fall, insulation works equally well in the summer to keep hot attic air temperatures from penetrating the attic ceiling. Well insulated homes should have a minimum of 8 inches of ceiling insulation. Insulation is easy to install with just a few precautions. Make sure to cover exposed skin, especially when using fiberglass insulation. Also, be sure to wear a dust mask to prevent breathing in fiberglass particles and wear safety glasses to protect your eyes. If doing the attic insulation job in the summer, start early in the morning and quit well before the sun heats up.

For more saving you money for life tips, keep reading AccuQuote’s blog. And for ways to save money on term life insurance, get a free term life insurance quote!

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Many of us make purchases (whether it’s a new TV or a term life insurance policy) based on affordability. But as many of us have learned firsthand…cheaper isn’t always better. Think about it, if a product is on a super clearance rack there’s probably a reason why.

When it comes to making an important financial purchase like term life insurance, there are many factors to consider in addition to cost. (Don’t worry; term life insurance rates are affordable by nature. In fact, rates are currently near record lows).

There are few things you can look at to determine the best value for your money.

• Financial strength/integrity of the term life insurance companies quoted – It’s important to determine the financial strength/integrity of the life insurance company you are applying with. A company with a strong financial rating will have a low risk of defaulting on its payout obligations.   
• Product features of the life insurance policy – Product features such as renewability privileges, full convertibility, child riders, etc. vary greatly from one term life insurance policy to the next. Before purchasing a term life insurance policy, be sure to ask if these product features are available to you because they may be exactly what you need to be adequately insured. 
• How long the term life insurance rates are guaranteed – When shopping for term life insurance, be sure to understand how much money you are expected to pay over the length of the term. If you are quoted a projected premium, make sure the cost is guaranteed.
• The actual availability of the term life insurance products for you – Be sure that the term life insurance product you are quoted is actually available to you based on your complete health and lifestyle profile.  

Although you may be paying what seems like a low term life insurance rate, you may still be able to qualify for more coverage at that same premium, or perhaps a longer and better term at the same premium. Go through a multi-carrier life insurance brokerage firm to compare the price, product features, guarantees and financial strength of various life insurance policies.

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