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Term Life Exchange
2825 NW 60th Street
Seattle WA 98107
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Term Life Exchange
2825 NW 60th Street
Seattle WA 98107
Welcome to the web site of Term Life Exchange (hereinafter "We", "Us", "Our") and thank you for considering Our products and services. By clicking the "Compare Quotes Now" button You hereby agree to the terms and conditions of this Agreement which, along with the consideration of the mutual promises You and We make to each other, then becomes a binding contract between Term Life Exchange, and You.
You understand and agree that: Term Life Exchange provides only a request by You for an insurance proposal, which also initiates a business relationship between us, but in no way binds Us to providing you insurance; and that prices shown on our web site are examples only, and Your insurance quotation will vary depending on the information collected during the application process when We follow up and verify Your information.
We are registered Life Insurance Agents in the following states: Washington: Austin Embrey's individual resident insurance license number in Washington is 233286. Austin Embrey is also has reciprocal non-resident licenses in the following states: Alabama, Arizona, California, Colorado, Connecticut, Florida, Georgia, Idaho, Illinois, Indiana, Kentucky, Maryland, Massachusetts, Michigan, Minnesota, Missouri, Nevada, New Jersey, New Mexico, North Carolina, Ohio, Oklahoma, Pennsylvania, South Carolina, Tennessee, Texas, Virginia, Wisconsin. Requests for Life Insurance quotations from other states will require Us to either register as an Insurance Agent in that state, or require Us to provide your information to a registered agent in Your state to contact you. A finder's fee may be paid by this Agent to Us.
Our web site will provide quotes from the following life insurance companies whose trademarks belong to their respective companies: Aetna (American Continental Life), American General Life Companies, American National, Aviva Life and Annuity Company, Aviva Life and Annuity Company of New York, Assurity Life Insurance Company, AXA Equitable, Banner Life, Fidelity Life, First MetLife , Investors Insurance Company, Genworth Life and Annuity Insurance Company, Genworth Life Insurance Company, Genworth Life Insurance Company of New York, ING ReliaStar Life Insurance Company, ING ReliaStar Life Insurance Company of NY, John Hancock, Lincoln Benefit Life, Lincoln National Life Insurance Company, MetLife, Nationwide, Protective Life and Annuity of NY, Prudential Financial, SBLI (Savings Bank Life Insurance Co of Mass), Transamerica Financial Life Insurance Co., Transamerica Life Insurance Company, United Home Life Insurance Company, United of Omaha, Protective Life. While We are currently appointed agents with most of these companies, quotes from companies with whom We are not currently appointed will require Us to become appointed or We will need to provide Your information to a registered agent that is licensed to sell that product. A finder's fee may be paid by this Agent to Us.
We hereby claim Term Life Exchange to be a trademark of Our company.
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If any provision, or portion thereof, of this Agreement is held by a court of competent jurisdiction to be invalid under any applicable statute or rule of law, You understand and agree that such invalidity shall not affect the validity of the remaining portions of the Agreement and understand and agree that We may substitute for the invalid provision a valid provision which most closely approximates the intent and economic effect of the invalid provisions.
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YOU HEREBY AGREE TO THE USE BY US OF ELECTRONIC SIGNATURES, CONTRACTS, ORDERS AND OTHER RECORDS AND TO ELECTRONIC DELIVERY OF NOTICES, POLICIES AND RECORDS OF TRANSACTIONS INITIATED OR COMPLETED THROUGH THE SITE OR SERVICES OFFERED BY US. FURTHER, YOU HEREBY WAIVE ANY RIGHTS OR REQUIREMENTS UNDER ANY STATUTES, REGULATIONS, RULES, ORDINANCES OR OTHER LAWS IN ANY JURISDICTION WHICH REQUIRE AN ORIGINAL SIGNATURE OR DELIVERY OR RETENTION OF NON-ELECTRONIC RECORDS.
This Agreement is effective as of May 23, 2013. We reserve the right to modify this Agreement at any time. You will be notified of any material changes either by email or by a conspicuous posting on our web site. If You do not agree with the modification to this Agreement Your sole remedy is to cease doing business with Us.
During the underwriting process, each life insurance company reviews your health history and assigns a health class based on multiple risk factors. The health class you are approved for will determine the cost of your life insurance. To run the most accurate quote, refer to the information below to assess some of your health risk factors and choose the health class that is most appropriate.
Term is very inexpensive coverage with a fixed price for a certain number of years (10, 15, 20, 25 or 30). It allows you to affordably purchase large amounts of coverage to protect your loved ones until your concerns have been resolved later in life. It’s very similar to auto insurance: you pay small premiums for protection without ever expecting that the policy will pay out before it expires. Term insurance can be canceled or replaced without penalty at any time if your needs change.
Reasons we suggest term coverage:
Premiums increase drastically if you wish to renew a term policy upon expiration. Therefore, it is unwise to select a term shorter than your period of exposure. It will cost a lot more to purchase the same amount of coverage when you are older and less healthy.
In the event of a major health concern, most term plans offer an option to convert your term policy to permanent insurance without having to “re-qualify” based on your current health. This provides some flexibility if you require an extended coverage period as your term nears expiration.
As the name implies, you can purchase this type coverage and enjoy a fixed price for the remainder of your life. However, it is significantly more expensive than term insurance because the insurance company knows they will eventually have to pay your heirs the benefit amount.
Reasons we suggest permanent coverage:
Depending on the type of permanent policy you purchase, there are other potential benefits. These include accruing a “cash value” that can be recaptured or borrowed against while living, tax deferred interest growth and dividends. If interested, it would be best to call one of our qualified insurance professionals to help you design a permanent plan suited to your unique needs and situation.
Determining the amount of coverage you need is fairly simple if you think about the reason(s) you want to buy life insurance. Here are some common reasons our clients buy along with some practical advice. If more than one reason applies, simply add the amounts together.
10 to 20 times gross annual income
Example: If you earn $75,000 per year and pass away...
10x gross income = $750,000
$750,000 replaces your income for 10 years without investing any of the money
$750,000 invested with a 5% interest rate produces $37,500 (50% of your income) in interest every year for the rest of your loved one's life
20x gross income = $1,500,000
$1,500,000 replaces your income for 20 years without investing any of the money
$1,500,000 invested with a 5% interest rate produces $75,000 (100% of your income) in interest every year for the rest of your loved one's life
Enough to cover the outstanding loan amount
$100,000 to $200,000 per child. It depends on the child’s age and desired school. You should opt for the higher end of this range if your child is under age 10. Higher education costs have risen at more than double the rate of inflation since 1986.
$10,000 to $25,000. This will vary based on the cost of living in your area. This money is typically used for burial/cremation, funeral service, estate settlement costs, attorney fees and family travel expenses.