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The most unbiased term insurance comparisons on the web are found at Term4Sale. Consumers can rely upon Term4Sale to provide the most exhaustive and objective comparisons because Term4Sale does not sell insurance. Term4Sale is owned by COMPULIFE Software, Inc. which sells term comparison software to thousands of life agents throughout the U.S. and Canada. Term4Sale includes all the companies and products that COMPULIFE can get it's hands on. As long as it is available for sale, COMPULIFE wants that term insurance product in our software.
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ConsumerReports.org
"Buying cheap life insurance"
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"According to a study by the Consumer Federation of America, many of the sites that have popped up offering to find the cheapest term-life rates don't always deliver. Many simply sic agents on you. The five sites the CFA recommends are www.accuquote.com, www.insweb.com, www.quotesmith.com, www.term4sale.com, and www.youdecide.com..."
(Read More>>>) |
| Consumer Federation of America
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"5 Best Sites for Term Insurance Shopping: Term4Sale was the highest recommended site because of
its very complete list of insurers, including no-load insurers, and ease of use. Compulife, another site, is also favored because of its extensive listing of all life insurers in the U.S., and because it quotes premiums for low-load insurers..."
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MSNBC
"Insurance Costs Falling"
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"So go ahead and shop around. You can do so online at sites such as insure.com and www.term4sale.com. If you can save a total of $500 per year and you invest that amount, it can grow substantially over time..."
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McClatchy Washington Bureau
"Insurance is a buyer's market right now"
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"To buyers of term life insurance, Hunter recommends www.term4sale.com, which takes no commissions from insurance companies. Many other sites charge insurers for listings or commissions, so they're often incomplete..."
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CNNfn Interview With Bob Barney
regarding 2001 CSO Tables
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CNNfn Interview (hi speed connection)
(Watch Video>>>)
CNNfn Interview (dial-up connection)
(Watch Video>>>)
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| Canadian MoneySaver
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"Compulife Software Inc., which has provided rate comparison software to life insurance brokers since 1982, is now offering a consumer life insurance comparison service called Term4Sale. Consumers can do their own multi-company comparisons of life insurance by visiting the Term4Sale Web site..."
(Read More>>>) |
| The Cincinnati Enquirer
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"He suggests would-be buyers look at Web sites such as www.term4sale.com, which provides prices for thousands of term life policies..."
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CNNmoney
"Shopping for term life on the Web" |
"Term4sale This no-frills site, run by a company that sells policy-comparison software to agents, doesn't sell insurance. What Term4sale does have is quotes from more than 150 insurers, including low-load carrier Ameritas. To buy a policy, click on the GET AGENT button for the names and numbers of independent agents in your area..."
(Read More>>>) |
CNNmoney
"Whole life vs. term life insurance" |
"Finally, you might as well also see how the premiums you're paying compare to what other insurers are getting for the same amount of coverage. To do that, you can check out Web sites such as Insure.com, Term4sale, Ameritas and USAA..."
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CNNmoney
"Life insurance made easy" |
"You can begin your search on the Net by going to sites such as InsWeb, Quotesmith.com and Term4Sale..."
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| USAWeekend.com |
"Although a few well-run sites offer comprehensive searches of available policies -- and turn up the lowest available price -- CFA recently released a study that shows 75% of others don't. (CFA specifically liked Accuquote, Quotesmith, Insweb, NetQuote and Term4sale.)..."
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| USA Today |
"The report singled out four sites for praise: term4sale, Compulife, InsWeb and Quotesmith..."
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Consumer Federation of America
Senate Committee Presentation
October 22, 2003 |
"Term life insurance is easy for consumers to understand. If you die in the term, whatever that time frame is, your beneficiaries receive the face amount of the policy. Consumers understand this very well so coverage is not an issue. Dead is dead, so service is not much of an issue compared to, say, auto claims... The decision centers on price. Excellent online price services exist (CFA's favorite is www.term4sale.com)..."
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| Washingtonpost.com |
"Are you middle-aged, with young children or a spouse who will need continuing support? The older you are, the more your coverage will cost. For you, the new hybrids might be just right, says Bob Barney, president of Compulife Software, another price-quote service (term4sale.com)..."
(Read More>>>) |
| Smart Money Magazine |
"But so many sites can be a little daunting, so we took some of the work out of your search by rating eight of the largest. Six of the sites — QuickenInsurance.com, InsWeb.com, NetQuote.com, Quotesmith.com, QuickQuote.com and SelectQuote.com — get the most traffic of any of the insurance-quote sites, according to Internet tracker Forrester Research. We tossed in Term4sale.com and AccuQuote.com after insurance agents we interviewed repeatedly gave the sites kudos..."
(Read More>>>) |
When we first considered the www.term4sale.com concept there were
some objectives and realities that we had to deal with before the
site was launched.
First, Compulife does not sell insurance. We wanted a website that
would direct consumers to agents who use our comparison software. Why? For
selfish reasons we wanted more agents to use our software. You can't
be listed if you don't have our program.
From the consumer's point
of view we truly believe that a term insurance buyer is best served
by purchasing term insurance from an agent who uses comparison software. We
also believe that the best comparison software that an agent can get
is made by Compulife. After all, if we thought we could do the software
better, we'd be doing it differently.
Second, we wanted to respond to the rising number of websites which
offer term comparisons and which tell the consumer that they don't
need an agent. The typical slogans are "buy direct and save"
and "no agent will call". As you know that's a bunch of
nonsense. Term insurance is sold at a pre-set price. The
consumer doesn't pay any more for a term product because it was
sold by an agent versus getting the same product from some agency
(pretending it isn't an agency) three states away by phone. Or
worse, the on-line self-serve idea where the consumer gets to be
the agent. The reason an agent needs a license is because it is
not that simple a product. Needless to say, we wanted to explain
all that to the consumer. We think we've done a good job at
www.term4sale.com.
Third, we wanted the site to be cost effective. Having a site is
a nice idea but who's going to find it? You could spend money advertising,
promoting, linking, etc., but how many consumers are going to be surfing
the web anxious to look at life insurance? The amount of money needed
for direct advertising, to drive traffic to the site, is
unrealistic. Many doing that are losing money, and lose money
while generating the full commission from the sale.
Fourth, we wanted a site the media would love. The plan was to build
the best website a consumer could hope to have and work to get the
media to recognize it. To do that we had to be completely
objective and unbiased. The provider of the information
(term4sale) isn't the seller of the policies. We give consumers
the names of more than one agent. We're candid and hide nothing.
Everyone is told up front how it works. As a result,
www.term4sale.com is the best website for consumers.
Is the strategy working? The above are links to news
stories that have included references to
www.term4sale.com. Read
them and see what you think.
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Term4Sale (