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IntelliQuote Term Life Insurance And Zander Term Life Insurance Plans For Consumers

Selectquote Term Life Insurance Options Have Many Variations

By Mike Heuer

There are many insurance agencies offering a variety of term life insurance policies, and this article helps explain who some of them are.

IntelliQuote is a life insurance agency specializing in selling the term life insurance plans of actual insurance companies and has been in business since 1997. The firm is licensed to sell policies in every state mostly uses the Internet to reach its potential customers. The company is based in El Dorado Hills, Calif.

Among insurers listed as underwriters of IntelliQuote term life insurance options are Transamerica, Prudential, ING, Genworth Financial, Lincoln Financial, FidelityLife, Banner, William Penn, Protective and many others. Because the agency has so many insurers available to underwrite coverage, there are many options for consumers to choose.

Term life plans sold by IntelliQuote can last for periods of 10, 15, 20, 25 or 30 years before they expire. And no medical exams ever are needed to buy a term life plan through IntelliQuote, as is the case with most term life plans sold by other insurers and agencies.

The SelectQuote term life insurance company was founded in 1985 with the intent of directly marketing its term life insurance products to U.S. citizens and others. SelectQuote term life plans are underwritten by other insurers. Like other agencies, SelectQuote does not underwrite term life plans but instead is an independent agency selling the term life products underwritten by other insurers.

The agency is licensed in every state and markets term life plans than can be in force to 10, 15, 20 or 30 years. The most common type of term life insurance sold not only through SelectQuote but by others as well is called level term life in which coverage and premium amounts remain constant throughout the life of the contract. That means no matter what happens, the same term life plan will go unchanged as well as the amount of money needed to keep it in force.

Also selling policies underwritten by other insurers is the Zander term life insurance agency. Zander term life insurance plans have been sold by the firm for more than 80 years while it has been in business. Among insurers underwriting coverage sold by Zander are many that are not as common to consumers as some of the big name insurers. But each one has at least an A- financial strength rating from the A.M. Best ratings service.

The Zander Insurance Group is headquartered in Nashville, Tenn., and its advocates include well-known financial advisor Dave Ramsey. The independent insurance agency offers life insurance, universal whole life and financial investment products, such as annuities. Financial advice also is available. Even people with re-existing conditions can find coverage through the various insurers with whom Zander works, making the agency a good resource for people who can’t get life insurance or health insurance plans from other places.