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 What factors help you pick one life insurance company over another, that offer similar quotes on term life.? |
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April M | Does anyone have term life insurance with primerica? Are rates with another company better? |
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Primerica Financial Rep.
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I have Primerica's 35 year level term insurance. Even though I'm an agent, there are just way too many life insurance companies out there to compare who has the best rates. Primerica offers different level terms of 10, 20, 25, 30, and 35 year. But among Primerica's competitors such as Metlife, Prudential, AIG, Allstate, State Farm, etc., Primerica has the lowest rate.
Comparing rates alone should not be only factor when deciding which company to choose. You should also look at their ratings from AM Best. Primerica has AM Best rating of A+.
What other features are included in the life insurance policy?
Primerica sells one policy per family. Terminal illness benefit are included in all life policies at no additional cost.
What happens at the end of the term for each company? At Primerica, life insurance policies are guaranteed renewable without providing proof of insurability. They are also convertible to another term policy, not a cash value life insurance policy. |
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pun9175181970
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Don't listen to sales people fully.
Get the real facts from insure.com or quotesmith.com.
You can compare Primerica's rate and to other major companies to get the best deal.
You can save hundreds by shopping around.
Ask more question before you buy.
Do your research! |
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Hadley
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Primerica does have good rates for term life insurance, so does AIG and a few others.
One way to really get a good handle on the most competitive rates is to compare quotes for term life insurance from several insurers before you buy.
One leading quote provider is efinancial, they have been online providing life insurance quotes from top-rated insurers since 1999. To request free quotes go to https://www.efinancial.com/smartquoteefc.aspx?source=389-707 You just fill out one form and get up to 12 instant quotes from top-rated insurers with no obligation.
I hope that helps! Best of luck to you. |
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Mark S
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My wife and I have a Primerica policy. You may pay less to another company, but to know they will send acheck inside a week, that IS peace of mind.
Plus, on one policy my wife is covered, I am spouse rider, and we will be adding a child policy rider that covers two children (after he is born) AND any other we have in the future. One child policy covering ALL the kids. Go to another company and they will cover the husband (his policy), wife (her policy), and a policy each per child. In my case, we would be paying $ 300 per year in policy fees; with Primerica we pay $75 plus a little more for each rider. Let's just say $150. I just saved $150 a year by going with Primerica.
I challenge any other agent to sit down with a Primerica agent and explain their policy to the client and then allow the Primerica agent to respond and show our policy as a comparison. |
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jeffery d
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Yes I do own an income protection policy from Primerica. Yes there are companies who offers policies with cheaper rates. COST IS an issue in the absence of VALUE. If your looking for cheaper rates you will find them, but look at the renewal rates, conversion clauses, family banding, re-entry clauses, age restrictions, rate guarantees (20 yr. term..rates gtd for 5 yrs.), Primerica term is gtd. for the entire term 10,15,20,etc. Rate comparisons are not efficent if you compare apples to oranges. Read the policy |
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Trey
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Yes I do have a term life policy with Primerica.
It is a little high but I've seen their company deliver a check for $500,000 to my mother inlaw 1 week after my father inlaw past away . So I guess I feel a peace of mind knowing that they back up their words |
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Steve M
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I do, but I have no idea about the rates. |
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chwalek
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The rates are decent, but not the best. There are dozens of highly-rated insurance companies that offer better rates and are sold by reputable agents and brokers. Primerica tends to cater to blue-collar, lower middle-class neighborhoods and often sell their products through inexperienced representatives or part-time multi-level marketing types of people. |
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Agency Builder w/ BTID
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No, but you can find companies with better features and benefits for 40% to 100% less in premiums. For the most part, the majority of consumers can go elsewhere and get a more competitive policy. Especially women most of the other term companies give women better rates because they tend to live longer than the men. I advocate for buying term and invest the difference but only when it makes since.
Mark S below says he challenges any other agent to sit down with them. Well no need to, how competitive is the 10-15-20 year terms? Most other term companies guarantee that their 30 year term remains level for the full 30 years. If you really want to do what is right, call the likes of AIG, Genworth, West Coast Life, ING and Western Reserve Life. Tell them you are thinking about getting contracted with them and tell them to send or email you some free term brochures, they may evne send a mortality table. You make the side by side comparison? Once you get appointed, most of these carriers will give you your own software. The have loads of information on them and on their websites. Free financial needs software for you that you own.
Mark are you saying that other companies don't pay their claims? Where is your source? Other companies can add the spouse on as a rider, and they have the children's rider for less. Being an independent agent is the way to go. What if the husband is a smoker and the wife is perfectly healthy. The husband will get a better deal with company A and the wife with company B. Even with each have their own policy and policy fees, they can still come out of ahead then going wiht your company. When you put every client with the same company because that is all you can do, then you are nothin more than a salesperson for that company. But when you match the right company for the consumers individual needs then you are looked upon as an advisor or consultant. In the consumer's eyes you work for them and not the insurance company. |
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