Frequently Asked Questions about Term Life Insurance:

    Q:     Will I be able to obtain term life insurance coverage if I have a personal health condition, such as “High Blood Pressure” or “Elevated Cholesterol” readings ?

    A:     The majority of general health concerns, if properly managed with appropriate medical care / treatment, can normally be placed for coverage. It is important to understand that each potential insurance company has varying “underwriting” criteria. Consequently, we make every effort to fully understand your particular “special needs” and to obtain a suitable insurance company with whom to place your desired coverage.

    Q:     What if I “smoke” or use other types of tobacco products ?

    A:     Without question, smoking or other use of tobacco products presents an additional risk factor to insurance companies, in the underwriting of term life insurance coverage. Resultantly, term life rates for tobacco user’s are higher than those for applicants who do not use tobacco.  There are however, many insurance companies who offer competitive tobacco user rates. In fact, depending on your other health factors and the specific insurance company’s underwriting guidelines ----- it may even be possible to place your coverage at “Preferred” rates !

    Q:     How do I go about “applying” for term life insurance coverage ?

    A:     The procedure of completing your application is quite simple and may be easily initiated on-line. You may also contact our office “toll free” by calling (866) 341-TERM / (866) 341-8376  and one of our Term Life Specialists will gladly assist you with the completion of your application forms by phone.

    Q:    Is a medical exam required ?

    A:    When applying for traditional term life insurance coverage, a brief exam is normally required. The specific exam requirements may vary some what depending on both the insurance company which you have selected, and the amount of coverage requested. In most instances, only a brief “paramedical” exam is required which consists of measuring your height & weight, checking your blood pressure, reviewing your personal & family health history and obtaining a blood & urine sample. As previously stated, the exam is brief and can be completed at a place and time which is most convenient for you.

    Q:     When does my coverage begin?

    A:     Your term life insurance coverage is placed in force (begins) once  your life insurance policy has been issued by the insurance company, all policy delivery documents and requirements have been satisfied and received by the insurance company, and the initial premium payment has been receipted by the insurance company. You may also be eligible to obtain temporary coverage in conjunction with the formal processing and underwriting of your life insurance application by the insurance company.

    Q:     Is my personal information protected?

    A:     In accordance with federal and state laws, only the insurance company underwriter, medical exam nurse and our duly licensed term life specialist will be privileged to view or have access to your personal information. Please know that we are licensed and conduct business in accordance with insurance regulations as set forth by the various insurance departments for the states in which we provide insurance services.

We fully realize that this format is not intended to answer every conceivable question that a client may have. If you have a specific question or concern ----- we welcome your inquiry. At your convenience, please contact us accordingly at: Tom@TermFirstUSA.com or “toll free” at (866) 341-TERM / (866) 341-8376.
                           
“Thank you” for your earnest consideration and the opportunity to earn your life insurance business. 

Web Site Privacy Policy:

Contained herein is the “Privacy Policy” for the TermFirstUSA.com Insurance Quotation Web Site (the “Site”). Said Privacy Policy is provided for the purpose of setting forth our policies with respect to the collection, use and disclosure of specific information as it relates to your usage of this site. The election to utilize this site by you, shall serve as express acknowledgment of both your acceptance and comprehension of the terms of this Privacy Policy.

Certification Of Age: The TermFirstUSA.com Web Site is expressly not intended for use by anyone who is under 18 years of age. All site users must be a minimum of 18 years old to submit, or otherwise provide any personal information to the Site, or to us via the Site.

Confirmation Of Domicile: You hereby certify that you are domiciled in the United States Of America.

TermFirstUSA.com hereby acknowledges that all employees and associates are required to adhere to this Privacy Policy. Said Privacy Policy is applicable to all Personally Identifiable Information which may be obtained in conjunction with our furnishing of prospective financial products and services.

Types Of Information Which We May Collect:

Personally Identifiable Information

The Site may receive, request and collect certain forms of personally identifiable information which may include, but is not limited to, Quotation Requests, Application Forms and related documents, electronic mail or other transmitted communications, and additional personal information as may be embodied in your submissions to the Site.  Such information may be inclusive of, but no limited to:

•    Personal Identification Information, including name, address, place and date of birth, gender, marital status, social security number, occupation, driver’s license number and other necessary data.

•    Health Related Information

•    Financial Information

As established by the parameters encompassed in this Privacy Policy, and unless otherwise given express    authorization by you to do so, we will not sell or disclose your personally identifiable information to a third party.

Non-Personally Identifiable Information

In conjunction with your utilization of the Site, we may ascertain other specific non-personally identifiable    information in form of Site utilization statistical data consisting of, but not limited to, Site activity, preferences, demographic and profile information.

Web Communication

In the event that you engage in electronic web communications with us, and/or conduct business transactions with us through the Site via your computer, your web browser may provide information to us during your course of interacting with the Site via your computer. 

The Necessity For Personal Information

It is necessary to understand that insurance companies formulate their rate structures from a multitude of different criteria. In consideration that the Site prospectively provides information from hundreds of insurance companies, it is therefore appropriate that we obtain all of the necessary information in order to  effectively ascertain the most affordable premium cost comparative quotation for you.

In certain instances, and as permitted by law, insurance companies may find it necessary to also collect          additional background information about you. Such information may consist of consumer / credit history     reports, driving history records and verification of insurance claims history. The furnishing of your driver's license or social security number may be required for the purpose of acquiring such reports. If you should elect to refuse to furnish the requested information on the application forms, you may resultantly exclude a number of the more desirable rate quotations.

Disclosure Of Personal Information

We understand your preference for both privacy, as well as the prospective financial products and services   desired. It is our intent to accommodate you in these regards. In order that we may provide the desired products and services, it may be necessary to share your information with other service providers.

For the purpose of properly completing application documents and related forms, we may find it necessary to provide your non-public information to either affiliated and non-affiliated entities or persons which are involved in the underwriting, processing, servicing and marketing of financial products and services. Additionally, there may be occasions when we may be required by law to provide your non-public information to duly authorized entities, representatives or persons. Circumstances which may require such provision are inclusive of, but not limited to:

            •    Compliance to federal, state or local authority formal requests, summons, warrants or subpoenas.
            •    In response to judicial and legal processes.
            •    In response to regulatory authorities.
            •    As may otherwise be required by law.

Except as required or permitted by federal, state or local law, we will not disclose your non-public personal   information.

Security

While we will take prudent and reasonable precautions to provide security of the information stored on the Site, in due consideration of the open environment of the Internet proper, we cannot guarantee that any information provided through the Site, stored on our servers, or as transmitted to or from a user, will be free  from unauthorized access. The Site shall not assume or be held responsible by user for any manner of liability for the loss, theft, unauthorized access, unauthorized use, damage to, or interception of information, communications or data. The  Site forms support encryption to assist in the security of your transfer of information data to the Site. Further, we have initiated specific procedures to protect you from unauthorized access to your personal information. Only necessary entities or persons who need to have knowledge of your information to appropriately underwrite, process, service or provide financial products  and services, shall be permitted access thereto. Utilization of the Site by you shall duly constitute acknowledgment of your understanding and agreement to assume said risks.

Authorization For Processing

In the act of submitting information to the Site, you hereby acknowledge your full comprehension and convey your express consent to the transfer of said personal information to, and the collection and processing of such personal information in the United States of America. Submission of this information by you shall hereby constitute express authorization to the Site, Agents and Representatives of Term First USA, Affiliated Brokers or designated Insurance Company Representatives to effect direct contact with you to furnish quotations via telephone, facsimile, electronic mail or postal service, regardless of your having placed your telephone number(s) on any local or national “no call” list.

Links

The Site may provide links or references to other Web sites which are totally independent from Term First USA, and are consequently completely outside of our control. In full consideration of the fact that we have no control over these sites, our Privacy Policy does not apply in any manner to said sites.

Stipulation Of Acceptance

You, as user of the Site, hereby confirm your express acceptance of this Privacy Policy. Should you in any manner be in disagreement with regard to this Privacy Policy, please do not use the Site. We further reserve the right, to at our sole discretion, modify, change, alter, add to or remove from the body of this policy at any time, and without prior notice. Therefore, visitors of the Site are advised to review this Privacy Policy periodically. Your continuing utilization of the Site subsequent to the effecting of changes to  this Privacy Policy, shall constitute your express acceptance of such changes thereto.

Additional Information or Comments

In the event that you should have any questions or comments regarding this Privacy Policy, please contact us at your convenience at (843) 347-1800.