Los Angeles, CA, January 11, 2013 --(PR.com
)-- InsurancePlanning101.com, located in California but also providing life insurance and other insurance products to the states of Washington, Oregon and Arizona, announced the addition of the latest rates for term life insurance.
Says owner Adrian Fristensky, "I use a database with 100+ highly rated companies that is constantly updated. This virtually guarantees the lowest rate but I also filter for the strongest company. The rates for a $100,000 and $250,000 policy for 10, 15, 20 and 30 year term policies on the site reflect that." Having been an Independent Agent since 1991, Fristensky states that he has the ability to choose among more than a dozen companies. "It normally comes down to 5-7 companies, depending on the person's age, length of term policy and amount of coverage requested. Companies choose to be competitive in different areas and that can also change throughout the year, this is why it is so important to use an Independent Agent like myself with an ability to access so many companies and check the latest rates. I am not 'married' to any particular company and only recommend the strongest company with the lowest rate and what is best for my client." Requests for personalized quotes are also available. "The rates on InsurancePlanning101.com are for ages 35 to 70 in 5 year age brackets. For a personalized quote, an interested individual can simply email and we can take care of it."
It is important for individuals to know that the rates are Guaranteed for the term specified. Fristensky has seen many policies where the client thought their rates were guaranteed for 20 years, but after careful review of their policy, were only guaranteed for 10 and "projected" to remain level for 20. "You see this a lot on TV commercials. This is totally unacceptable to me and I only offer policies with guaranteed rates and benefits for the term specified."