SAN DIEGO, June 21, 2013 /PRNewswire-iReach/ -- EQuote, the leaders in affordable life insurance, are now offering low cost term life insurance quotes and term life insurance with no medical exam on their website. EQuote takes a modern approach to providing term life insurance and simplifies the purchasing process by allowing customers to go through the entire process online in the comfort of their own home with no agent involvement or sales pressure.
The advent of the Internet has changed the way term life insurance is sold. The old stereotypical door-to-door life insurance sales men of yesteryear have been replaced by websites. Things have changed tremendously," said Richard Wira, founder of EQUOTE.COM, "When I started selling life insurance, we would go knocking door to door. Interviews were usually conducted at the kitchen table. Sometimes, it would take a couple of visits before they agreed to buy a policy. Then I would fill out an application and have them sign it. The next step would be to call a paramed company to schedule the medical exam for the client. After the exam was done, the client would have to wait between 6-9 weeks for the underwriting process to be completed. Then we would receive the policy from the home office and I'd have to contact the client and schedule a convenient time to deliver it."
Today, websites like www.equote.com make it much easier to buy life insurance by offering term life insurance with no medical exam online. If customers qualify for this coverage, they can easily pay their premium online and even print out their policy at home. There is no longer even the need to talk to an agent and there is no need to have blood drawn or provide a urine sample. The process is fast, easy and very affordable. The best part, it can all be completed in the privacy and comfort of a customer's home on their own time.
And while insurance salesmen still exist, most people are just too busy to meet with insurance agents now days. If given the choice, consumers overwhelmingly would rather go through the online process. In a 2012 study completed by LIMRA for the insurance industry, 78% said they use the Internet to get their information on life insurance quotes.
EQuote.com provides information on the different types of policies and the differences between them. Deciding which policy fits best is left to the client without any hard sell tactics. EQUOTE makes the process simple and their website even features a video learning center and a collection of educational articles about life insurance. Equote believes that well-informed clients make better decisions regarding the type of coverage to fit their needs. Consumers looking for no medical exam term life insurance need not look any further than www.equote.com.
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