At Accuquote, we’re passionate about finding people the best values in term life insurance. Our dedicated employees continue to thrive everyday, which is why we’re on the look out for more talented players to join our team.

Currently, we are hiring for the following positions:

Customer Service Specialist

Do you have a pleasant personality and a passion for helping others? We are currently seeking two customer service specialists to join our Wheeling, IL team.

Account Executive

Our account executives are the heart of AccuQuote. If you’re ambitious, motivated and eager to build a career, than we’re looking for you. Currently, there are five account executive positions open in both our Wheeling, IL and Golden, CO locations.

If you’re seeking an exciting new opportunity in Customer Service and/or Inside Sales, we can’t wait to here from you! Please contact Rosie Sklyar, Senior Staffing Specialist, at rsklyar@accuquote.com.     

For more information about these positions, including qualifications and how to apply, visit our career page.

Also, be sure to continue checking AccuQuote’s Blog for the latest term life insurance news, become a fan of AccuQuote on Facebook and follow us on Twitter.

When shopping for term life insurance, it’s important to understand the life insurance carrier’s financial strength. Purchasing a policy from the right company will ensure that your loved ones are protected when you’re no longer around.

First of all, determining the financial strength of a life insurance company is the first and most important factor to be considered before purchasing a life insurance policy. Why? Because you want to make sure the company will have the funds to pay the death benefit to your family.

Following are ways to evaluate a life insurance carrier’s financial strength:

Third party services – Check out third party services that measure life insurance companies’ financial strength and claims paying ability. Some of these third party services include A.M. Best & Co, Standard and Poor’s and Moody’s.

Ask around – Talk to other consumers like you about the experiences they’ve had with their life insurance companies. If you receive positive feedback about a company, it’s probably one you should consider.

Do homework – Before making a financial commitment, do your homework. Watch the news, understand the industry and keep up on current events. By doing these things, you should be able to identify a life insurance carrier’s financial strength.

Consulting a multi-carrier brokerage firm, like AccuQuote, is the best way to get term life insurance quotes. Quickly and easily you can compare life insurance rates with only the top-rated life insurance companies around.

Let’s face it – After receiving their diploma, most college grads think about buying a new car or getting their own apartment, not buying a life insurance policy. However, there are many benefits to buying term life insurance as a young professional, even if no one is financially dependent on you.

Following are reasons to buy term life insurance as a recent college grad:

If someone cosigned on your private student loan – Upon a person’s death, most federally issued student loans do not require repayment, however most privately issued student loans do. If someone cosigned on your private student loan, and you die before the dept is paid off, your cosigner will most likely become responsible for paying off the remaining balance. Having a term life insurance policy in the amount of your private loan debt, with your cosigner as the beneficiary, would save that person the burden of paying off your debt if someone devastating were to happen.

If you become “high risk” – Many life insurance companies will label you as “high risk” if you have a chronic illness, such as diabetes or cancer. This means that the life insurance company can charge you an extraordinary premium or refuse to insure you because your health puts you at risk of dying too soon. Purchasing a term life insurance policy while you are young and healthy allows you to be insured for the remainder of your life, even if you develop a chronic illness later.

Term life insurance rates are lowest when you are young and healthy – You can save money in the long-run by purchasing a term life insurance policy while you are young and healthy. And, if you plan on getting married or having children who will be financially dependent on you, there’s no need to wait to buy a policy that may be more expensive later on in life.

The best way to get affordable term life insurance is to compare life insurance rates online. Quickly and easily, you can get term life insurance quotes that will meet your individual needs.

Life insurance isn’t just for the breadwinner of the family. If anyone is financially dependent on you or relies on you for support, then you need life insurance.

Think about the responsibilities of a stay-at-home mom. They perform extraordinary daily tasks that would otherwise cost a family an additional several thousand dollars a month if they had to pay someone else to do them.

According to salary experts, if stay-at-home moms received paychecks for their multiple-occupation workdays, they would make an average salary of $150,000 a year for all of the services they provide including:

• Child care provider
• Housekeeper
• Cook
• Driver
• Event planner
• Psychologist
• Teacher
• Computer operator
• Nurse
• Nutritionist

Most single-parent families would not be able to juggle all of these responsibilities and pay for them if mom were no longer around.

Make sure your loved ones would be able to afford the extra cost of these responsibilities if something devastating were to happen by purchasing term life insurance. By shopping online, you can quickly and easily get the best term life insurance quotes for your needs to ensure that your family will be able to continue the lifestyle they’re used to.

Today, very few people can guarantee job security. That’s why if you’re unemployed and someone depends on you for financial support, such as a spouse or child, having an individual term life insurance policy is important. Why? It will protect your loved ones against life’s uncertainties.

If you have recently lost your job, you might lose your group life insurance benefits as well. Having term life insurance in addition to your group coverage will give your family the financial security they need if something devastating were to happen, especially if you lose your benefits.

In addition, there are other reasons why people may be unemployed, such as serving as a stay-at-home parent. In this case, it is important to evaluate the cost of your daily responsibilities and make sure your loved ones would be able to continue their current lifestyle if you were no longer around.

No matter what, if you need life insurance you should shop around for the best term life insurance. Affordable term life insurance rates are available by getting term life insurance quotes online. In a matter of minutes, you can receive life insurance quotes from dozens of top-rated life insurance companies.

July 24, 2009

The importance of a life insurance carrier’s financial strength

Description:

Byron Udell, a life insurance and annuity industry expert, will discuss the importance of a life insurance company’s financial strength when choosing a life insurance company.

Size: 2.85 MB

Length: 3:07

Click here to download

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Life throws us many curveballs, and although buying life insurance for your child or grandchild may seem a bit morose, it’s something that some experts suggest you consider.

I believe that buying life insurance for your child is a personal decision. I am neither for nor against it. However, I urge you to consider the reasons below that some experts list for buying child life insurance.

Guaranteed life insurance for the future – If life insurance is purchased at a young age, it almost always guarantees that the child will be eligible to receive more life insurance coverage later in life, without undergoing a health exam. If the child does not have life insurance coverage now and develops a chronic illness later in life, they are at risk of being labeled “uninsurable” by life insurance companies and unable to protect their future families. However keep in mind that most children will not develop a chronic illness that would cause them to be uninsurable by the age of 25.

Affordability – Life insurance for children is extremely affordable, and although you will be paying premiums for a longer period of time, the overall payments during the child’s lifetime will be much lower. And, most children are healthy, which means they usually don’t have to take a health exam.

Build cash value for the future – A permanent life insurance policy allows you to build cash value for the future. By purchasing this type of life insurance for your child now, you have more time to build that cash value, which can help pay for your child’s expenses down the road, such as college tuition or a down payment on a house.

If your child doesn’t have life insurance now, consider their future needs today by getting free life insurance quotes online.

When your loved one dies, you’ll be faced with making many decisions. If they owned a term life insurance policy and named you as their beneficiary, you’ll have to file a death claim with the life insurance company. At that time, you’ll be asked to determine how you’d like to receive the death benefit payout.

There are really two main options you can choose. They are both relatively easy to understand, but nonetheless it’s important that you review your options when making a death claim.

Lump Sum Option

Most policies provide a lump sum payout option, which simply means that as the beneficiary, you would receive the total death benefit of the life insurance policy in full. This payout option is beneficial if there are pressing debts or if there is an immediate need for a large sum of money.

Annuity Payment Option

If you choose the annuity payment option, you’ll have to decide how you want the money distributed. There are several different ways you can receive the money. These include:

• Income for life – You would receive guaranteed payments for life.
• Income for a specified amount of time – You would receive guaranteed payments for a specified amount of time.
• Last survivor life income – If there is more than one beneficiary, the last living beneficiary would receive guaranteed payments for life.
• Specified income – You choose how much and for how long to receive guaranteed payments until the entire death benefit is paid out.
• Interest income – You receive guaranteed payments on the interest paid on the death benefit only.

Before choosing a payout option, consider your financial needs to determine which option is best for you.

If you don’t have a life insurance policy, but are thinking of getting one, you can receive term life insurance quotes online. Be sure to ask what types of death benefit payout options are available to you.

July 21, 2009

Advantages and Disadvantages of Term Life Insurance

Description:

If you’re wondering if term life insurance is right for you, then you’ll want to listen to this podcast. Byron Udell, a life insurance and annuity industry expert, will explain the advantages and disadvantages of term life insurance.

Size: 4.43 MB

Length: 4:50

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Last week I wrote about the importance of having term life insurance to cover pricey funeral expenses, but now I’d like to go over with you how to plan an affordable funeral.

The average cost of a traditional funeral is about $10,000. It’s one of the most expensive consumer purchases. However, there are ways to save your family the burden of paying such steep out of pocket expenses – especially if you didn’t have a life insurance policy or they need to use the money from a claim for other financial obligations. Look at the tips below.  They  may help your family save thousands of dollars in funeral expenses.

• Plan ahead – By nature, most people don’t like to think about their own funerals. However, by shopping around now you can identify the most affordable funeral expenses, such as funeral homes, caskets, transportation, etc. Talk these expenses over with your family now to ensure they don’t spend more than they need to on the funeral.
• Keep it simple – There are many elaborate options available to you, such as the casket, headstone, urn, etc. However, there are also many affordable options that will not cost your family a fortune. When shopping, make the sure the funeral director is showing you all available options.
• Be aware of funeral industry laws – By law, funeral home directors are required to disclose all pricing information. Keep on top of industry news to ensure your family is not deceived while planning your funeral. One thing that most people don’t realize is you don’t have to buy a casket from the funeral home. By law, they must allow you to bring in your own casket if purchased elsewhere.

Just like I’ve said comparing term life insurance quotes online is the best way to save money on life insurance – I suggest doing the same for funeral expenses to ensure your family doesn’t spend more than they can afford.

Use the Internet to compare life insurance rates and make sure you’re getting the best deal. In a matter of minutes you can have several life insurance quotes from top-rated companies.