Bay State Insurance Agency, Ltd.

"Your Safe Money Team"

Greetings!   

Chances are when you first purchased your current term life insurance policy it was probably a pretty good deal.

However, there is something you should know.

Most busy people like yourself buy a policy, throw it in a drawer and forget about it.

But since you rarely have time to review your coverage, you probably never even notice the scheduled price increases as you got older.

Do you see what we are saying here?

One of the biggest money saving tips that we have to offer you is... you must make a habit of reviewing your policies at least every two years.

No doubt about it. If you learn only one thing from us, we hope this idea will be it.

Common sense, right?

You bet ya!

But this one idea alone could prevent hundreds possibly thousands of your hard earned dollars from flying right out the window.

Which brings up a very important point.

Life insurance rates are all about the same, right?

Wrong! Wrong! Wrong!

Let us tell you a quick story.

 A $54,336 Dollar Mistake 

A while back an associate of ours received a call from a Norman Melnick, you may have heard of him before. He was one of the creators of the magic marker, and currently owns a company called Pentech International.

Next time you go to Wal-Mart go to the school supply section of the store. You'll see thousands of his pens and markers.

Anyway, he asked that a cost comparison be done on one of his policies.

He had a term policy that was costing him $12,660 dollars a year. So after his information was shopped through the computers, he was shocked to find he could get the same exact coverage for only $7,225 dollars a year.

He could not believe the cost savings.

The rates were faxed to him and the quote that was sent proved that he would have a guaranteed savings of $54,336 dollars over the next 10 years.

Mr. Melnick was shocked!

He just couldn't get over how much of a difference there could be for what insurance companies charge for the same exact coverage.

Let us drive home another important point here.

The bottom line seems to be that few people

actually shop their coverage.

Too often you settle on the recommendation

 of a family member, advisor or

worse yet, a "know-it-all" friend.

Bay State Insurance Agency Ltd has streamlined the process of

shopping for term life insurance.

We have a network of computers that track the prices charged by over 186 of America's top life insurance companies.

Heck, We'll even shop whole life insurance if you really think you need it.

All the companies that we quote have been rated Excellent and Superior by A.M. Best.

They're an independent rating service that is recognized as an authority on reviewing the stability of insurance companies.

It's also nice to know that not one of the companies in our system has ever failed to pay a valid life insurance claim for as long as it has been in business!

Since we are independent insurance brokers, we are not owned or controlled by any insurance company.

So we don't have to push you to go with a particular insurer.

Does all this make sense so far?

As we mentioned a few minutes ago, there are 186 insurance companies aggressively bidding for your business. So you're sure to get the most competitive rates.

It's just that basic.

What The Experts Say

The Wall Street Journal

"Term life insurance is the simplest and, for many, the most economical kind of life insurance. But that doesn't mean shopping for a low cost policy is easy... it still pays to compare rates."

Consumer Reports

"Cash value policies, such as whole life, are inappropriate for most families. Too often such policies provide less protection than families need for more money than they can afford."

Money Secrets the Pros Don't Want You to Know, Stephanie Gallagher, p. 197

Simply stated..."Term insurance provides the most protection for the lowest cost."

Straight Talk on Your Money, Ken & Daria Dolan, p. 203.

"Why term insurance? Because it is the cheapest and, consequently, the best bang for your insurance buck."

Watch Your Wallet

All life insurance prices are based on age. However, each insurance company can determine your age differently.

Some Insurers use your actual birthday, while other Insurers have age changes if you're within 6 months of your birthday.

The bottom line is insurance companies can raise their prices at any time. The best rates we can find for you a month, or even a week from now may be substantially higher than the rates you see

here today.

So, if you are sick and tired of outrageous term life insurance costs... take a stand.

For immediate help call us toll free at 1-877-411-3702 or

if you prefer print and fax the life insurance quote form

 below to 410-758-5449.

And please smile... you're about to save a lot of money!

Click the link below to print the