Best Term Life Insurance Rates
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Zero?
Yes we all know that the best term life insurance rates are zero money down, no payments until January of the year after you die, and 0% APR. Are you likely to find rates like that, though? Why not settle for mediocre life insurance rates, then? Listen, if you don't settle for something, you'll end up with nothing.
Rate traps
Number one, don't believe the old stereotype that rates eat cheese. They don't. And baiting your traps with cheese will just result in a smelly glob of spoiling cheese on your floor. Instead, use peanut butter. It takes much, much longer to go rancid (like, years), and its odour is easier for the rates to detect.
Number two, don't look for the iconic hole in the wall for a good place to set your rate traps. You're not likely to find any such holes, and if you did, the best term life insurance rates wouldn't be dumb enough to touch your rate trap. To catch the best term life insurance rates, you've got to put your traps somewhere dark, where they'll be relying on their sense of smell more than on their sight.
Use every part
There's an old tradition about how the native Americans used every part of the buffalo that they killed. Well, take a lesson from them. After all, if you were born in the U.S., Mexico, Canada, etc. that makes you a native American. You should use every part of the best term life insurance rates you trap.
The best term life insurance rates make the best pelts, so be sure to skin them. These creatures are probably the easiest made by God or man to skin. Just make an I-slice down their bellies, and peel, the shoulders fold inward, so you won't have to tear the skin further.
Like my old pappy used to say, "Every animal has enough brains to tan its hide," so don't just throw away the brain. It's literally rich with tannic acid. Smear the brains on the hide and leave them to dry.
The bones are a good source of calcium, so you can grind them up and eat them or use them to fortify your flour or corn mean. The best term life insurance rates have very, very fine bones, which could serve for pins or sewing needles (but not hypodermics).
The best term life insurance rates make the best pelts, so be sure to skin them. These creatures are probably the easiest made by God or man to skin. Just make an I-slice down their bellies, and peel, the shoulders fold inward, so you won't have to tear the skin further.
Like my old pappy used to say, "Every animal has enough brains to tan its hide," so don't just throw away the brain. It's literally rich with tannic acid. Smear the brains on the hide and leave them to dry.
The bones are a good source of calcium, so you can grind them up and eat them or use them to fortify your flour or corn mean. The best term life insurance rates have very, very fine bones, which could serve for pins or sewing needles (but not hypodermics).
Get help
Okay, so I mocked you for looking for information on the best term life insurance rates, but that doesn't mean that you shouldn't seek the aid of an experienced professional. Life insurance agents (the ethical and competent ones, at least) are expert rate-catchers. They do things you never even thought to do.If you want not good but the best term life insurance rates, you'd do well to visit an agency, either in person, by phone, or online. Get and compare quotes. These quotes aren't for how much the agent's help will cost you but for you high the insurers' best term life insurance rates are. The agent won't actually cost you anything.
No agents aren't in it just for the thrill of the hunt. The truth is that agents are paid a commission from whichever insurer gets your business. Since they're paid on commission, however, there's an opportunity to be unethical. An agent might induce you to buy a more expensive product than you need because his/her commission will be larger. Don't trust any agent who has a tattoo of Boy George or Prince. Don't trust any agent who doesn't wear a necklace made of rate bones. Don't trust any agent who can't set and bait his own rate trap with his eyes closed.
For an example of a half-way decent agency website, navigate on over to www.wholesaleinsurance.net
For another informational lens on life insurance, see Life Insurance Application.
Reader Feedback
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CarlFerrel
Apr 5, 2011 @ 10:25 am | delete
- A recent development about is that you can now get universal life insurance and guarantee that the policy will last for a lifetime. It may lose its cash value but the insurance amount can be guaranteed for life. With a permanent policy, the insurance is designed to last as long as you pay the premiums. Whole life insurance guarantees this lifetime protection. term life insurance does not have these guarantees but there are now universal life policies where you can add a feature that guarantees that the insurance will last the rest of your life.
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by Verecundus
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