IntelliQuote: Insurance Website Review

It is not always easy to make a choice when trying to find the right life insurance policy or choosing an insurance agency. One website makes it easy – IntelliQuote is not just an insurance website, it is an actual online life insurance agency. Through its many insurance company partners, you can receive a quote for term life insurance, universal life insurance, senior & final expense insurance, children’s life insurance and accidental death insurance. IntelliQuote is licensed to operate in 50 states.

The company was founded in 1997 by its current owner, Gary R. Lardy and is headquartered in Eldorado Hills, California. Within three years of beginning operations, the company had written over 10,000 life insurance policies, making it one of the largest online life insurance agencies at that time.

How it Works

At IntelliQuote you can get a quote for life insurance or final expense insurance from one of the company’s partner insurance carriers. One great thing about this online insurance agency is that it does not have any insurance partners who are rated below an “A-“ by A.M. Best rating organization. What this means is that all quotes you receive or any policies you purchase are placed with highly-rated and financially stable insurance companies. Some of the companies that IntelliQuote represents include:

The Lincoln life insurance comparison National Life Insurance Company Transamerica American General Life Insurance Company Banner Life Insurance Company Fidelity Genworth Globe Life ING Reliastar Prudential Protective Life Insurance Company

To receive a life insurance quote, you must complete an online form that asks questions including date of birth, gender, height, weight, tobacco usage, type of coverage desired name, phone number and your geographic location. This information is used to provide you with an accurate and personalized life insurance quote. Your personal information is secure as Intelliquote is a TRUSTe certified privacy website.

Once you enter all your personal information online and receive your quotes, you will then speak with an agent over the phone to finalize your decision and purchase a life insurance policy. If you need assistance at any time during the quoting process or if there is just something you do not understand, a licensed insurance agent is available to speak with you and answer your questions. After your policy is issued, you can also receive service from the IntelliQuote website. To keep its customers fully satisfied, IntelliQuote offers a 10-day money back guarantee if you are not completely satisfied.

If you need information before making a purchasing decision, there are a great number of resources available to you at the IntelliQuote website including articles, videos and life insurance comparison a blog about life insurance basics and how to find the right policy for you.

Company Rating

IntelliQuote has a Better Business Bureau Rating of “A+” and has also received recognition from Forbes Magazine as one of the “Best of the Web” insurance websites. Transamerica and Prudential Financial have also awarded IntelliQuote for being a top performing life insurance agency.

Pros & ConsPros Good customer satisfaction ratings Excellent reputation from financial and insurance organizations Easy-to-use website Ability to quote, bind and service policy from the same website Top-rated insurance company partnersCons You must enter a great deal of personal information to receive a quote. No ability to get a quote for multiple lines of insuranceThe Bottom Line

With IntelliQuote, you get an insurance marketplace and an insurance agent all rolled into one. You can receive a quote, bind coverage and service your policy all from the same website. IntelliQuote is reputable and uses top-rated insurance companies. I would recommend the site to anyone who wants to buy a life insurance policy online. The only drawback is the lack of personal attention you can receive from a local agency. It all depends on your personal preferences. To receive a life insurance quote or get more information about life insurance products, you can visit the IntelliQuote website or call life insurance comparison 1-800-963-6405.

Joint Loans – Overview

A joint loan is a loan made to two or more borrowers. With more than one borrower, you have more income to pay the loan, and it may be easier to qualify for a large loan. In addition, additional borrowers may have better credit and more collateral to help you qualify.

Joint Loan vs. Co-Signing

With a joint loan and a co-signed loan, another person helps you qualify for the loan. They are responsible (as are you) for repayment, and banks feel more comfortable if there’s somebody else on the hook for the loan. This is the main similarity: both co-signers and co-borrowers are 100% responsible for the loan. However, joint loans are different from co-signed loans.

Co-Signing Basics

With a joint loan, every borrower is most likely (but not always) an owner [...] Read Full Article..

Why We Should All Be Making An Investment In A Gold Backed IRA

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Payday Loans

Payday loans are small loans taken out at an extremely high interest rate, intended to tide borrowers over a crisis.  The loan is pinned to his next payday cheque and is usually arranged over a period of about two weeks.
The lenders are typically small lending shops, or internet stores that offer this service.  These loans are proposed for the kind of life crisis that requires a small amount of cash immediately, without any delay.  This should never be an attempted way out for paying debts in arrears, but rather for the unexpected emergency, such as an accident or an urgent trip to visit a dying relative.
This is the way it is normally arranged between lender and borrower:
The borrower has to go into the store and fill in and [...] Read Full Article..

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Payday loans, also referred to as income loans, presently arrive as a great information to individuals who require immediate cash. They are like a welcome gift to individuals who have an urgent financial want and whose payday is still a couple of times or weeks absent. With payday loans – in Ontario or in other cities and nations around the world – people are provided with a remedy to their money wants.A Couple of A lot more Benefits of Payday LoansIf you want to avail of a payday financial loan, you will not be subjected [...] Read Full Article..

Before You Purchase Commercial Auto Business Insurance

Commercial auto insurance is one of the most important aspects of your business insurance program. If your business uses a vehicle, or many vehicles, you need commercial auto insurance and you will want to ask your business insurance professional some important questions. You will also want to provide your business insurance professional with a complete picture of your vehicle use.Consider the following points and ask the following questions.How Many Vehicles and Drivers Will the Business Insure?Commercial auto insurers often separate coverage types based on the number of vehicles and drivers to be insured. Fleet insurance is an option for businesses that will have a number of vehicles and drivers. The number of vehicles differs with each insurer and may depend on the class of vehicle. [...] Read Full Article..

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Originally intended to only be a one-year project, Cirque du Soleil was scheduled to carry out in 11 towns in Quebec over the course of 13 weeks running concurrent with the third La Fete Foraine.
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Butterfly houses offer enthusiasts of all ages the opportunity to observe a variety of species in one indoor exhibit. Most butterfly houses mimic tropical environments, and showcase tropical species from Asia, South America, Australia, and other warm, humid locations. A few of the butterfly houses listed here feature species native to North America. Usually, you’ll see some showy moths, such as luna moths or Atlas moths, perched on foliage as well.

Before you visit a butterfly house, you might want to learn the differences between butterflies and moths. Also, read about why butterflies drink from puddles, a behavior you will likely observe in the butterfly exhibit. Most butterfly houses have an area where you can see new adult butterflies emerge from their pupae, and some display larval food plants as [...] Read Full Article..

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Indoor Handball is a ball sport with jumping, speed and agility requirements. Handball is a popular sport in Europe and some Asian countries, and is less popular in the USA, UK and Australia, although it seems to be increasing in popularity. Indoor handball is played on a court a little larger than a basketball court. Like ice hockey, a goal net is the target at each end. Scoring occurs when the ball, about the size of a large cantaloupe, is thrown past the goalkeeper into the net. Men and women play in separate competitions. Other forms of ‘handball’ also exist, but indoor handball as described above is an Olympic sport. France won the men’s gold medal at the Beijing and London Olympics. Norway won the women’s gold medal in [...] Read Full Article..

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