If you’re looking for a term life insurance policy you have many options when it comes to finding an insurance agency to assist you with acquiring the right policy for you and your family. There are so many choices when it comes to selecting an insurance company that many consumers get lost in the search. You’ll find a number of reviews online, as you navigate your way through the companies that offer term life insurance policies. This article will be an Intelliquote Review, we also have reviews on many other companies, such as Mutual of Omaha and AICPA Group Coverage.
Who is Intelliquote?
Intelliquote is a huge online company, founded in 1997, that promises a fast quote on a number of insurance products. When you call, an agent has a script of questions to ask you before they provide you with a quote – personally I think its annoying when I get a customer service person on the phone and they are using a script – but this is what you get when you call a large call center like Intelliquote. This Intelliquote Review will provide an overview of the Intelliquote experience.
Will I be Assigned to an Agent?
Intelliquote has a decent reputation in the industry and is a well-established company with agents who are licensed in most states. Agents have strict daily quotas to meet and are required to sell a set number of policies to maintain that quota. If an agent is concerned about selling five, six or even more policies a day, the ability to offer personalized service is impaired. Once you have made the commitment to purchase a policy from Intelliquote, it is unlikely that you will hear from the agent who sold you the policy again.
What About Pre-Existing Conditions?
If you have a pre-existing condition, or if you are considered high risk for any reason, you may not get the best quote available from Intelliquote. The reason for this is because Intelliquote does not specialize in high risk life insurance. At ChooseTerm.com we do specialize in high risk and know which companies will offer the best rates based on your situation – such as high cholesterol, blood pressure, diabetes, and other conditions like MS, Crohn’s disease, etc. If you choose the wrong company you are likely to get higher rates than you should be paying.
Intelliquote Review: What Happened to Personalized Service?
As you search for the best place to purchase a term life insurance policy, you should consider working with a company that offers individualized service based upon the personalized needs of each client served. Although you may see Intelliquote reviews that praise the company for its efficiency, you will not get the tailored services offered by independent agents. Independent agents offer a level of service that far exceeds the impersonal service offered by Intelliquote. When you do business with an agent who is familiar with your history and is aware of your family’s needs, your policy can be fine-tuned to give you the best coverage for the best price.
What’s the Bottom Line?
It is important to make an informed decision when purchasing term life insurance. Intelliquote promises the fastest and most efficient online application on the market, but is that really what you’re looking for?
Independent agents are not pressured to meet the sales quotas set forth by a huge company. When you select an independent agent, you can expect friendly, personalized service. The independent agent will familiarize himself with your case and find the policy designed to meet the needs of you and your family.
Term life insurance is a personal product and you have unique circumstances that must be considered when considering the type and amount of coverage needed. Only your independent agent will be there to walk you through the process and follow up as your circumstances change. You decide what is most important to you.