Our search engine shops over 50 top-rated life insurance companies in seconds.
We shop, you save... our service is 100% FREE. State laws require each company to pre-publish pricing based on age, gender, and medical background. Instantly see which companies provide the best value.
Our impartial advisors have helped thousands of families protect and secure their future. Please take advantage of our experience.
Term Life Exchange
2825 NW 60th Street
Seattle WA 98107
When You visit Our web site, Our servers may automatically collect certain Non-Personal Information such as: Your IP address, which web pages You visit and for how long, Your operating system or Your browser.
The Personal Information We may collect and store is the information that You voluntarily disclose to Us, including but not limited to; Your name, address, email address, phone number, etcâ¦
Third Party Information
No Information Collected from Children
We do not intentionally collect Personal Information from children who are younger than age 18.
We store Your Personal Information on Our computers, and We believe we have appropriate security measures in place to protect Your Personal Information. However, we cannot guarantee that our security measures will prevent Our computers from being accessed without authorization and Your Personal Information stored on them stolen, deleted or changed. We assume no responsibility for such unauthorized actions.
We may use Your Personal Information for any legal purpose in Our sole discretion, including but not limited to; membership, registration, log-in, or order fulfillment purposes. We may also use Your Personal Information to contact you by phone, U.S. mail or email.
We may transfer Personal Information to third parties for order fulfillment, to respond to Legal Processes or governmental requests for information, or for any other legal purpose.
You may request that We update Your Personal Information by contacting us at firstname.lastname@example.org
You may request that We delete Your Personal Information by contacting us at email@example.com. Deleting your personal information may cause disruption in the use of Our site.
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.
As indicated by the notice on the bottom of Our Home Page, Term Life Exchange claims a copyright to the content of this web site.
You understand and agree that You will not Use Our web site to: post, email, upload or transmit any content that is patently offensive, vulgar, unlawful, threatening, defamatory, abusive, tortuous, obscene, libelous, illegal, hateful, harmful, harasses or advocates harassment of another person, invasive of another person's privacy, exploitive of people in a sexual or violent manner, racially, ethnically or otherwise objectionable or promotes racism, bigotry, hatred or physical harm of any kind against any group or individual; Impersonate another person or post a photograph of another person as Your image; stalk or otherwise harass another; harm a minor in any way; promote commercial activities and/or sales such as contests, sweepstakes, barter, or advertising except as provided by the functionality of the Site; post, email, upload or transmit any unsolicited or unauthorized advertising, promotional materials, junk mail, spam, unsolicited mass mailing, chain letters, or pyramid schemes; promote an illegal or unauthorized copy of another person's copyrighted work; upload, post, email, transmit or otherwise make available any material that contains software viruses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer software or hardware or telecommunications equipment; use software that automatically creates user identities; intentionally or unintentionally violate any applicable local, state, national or international law; post a review on a business You own, control or are employed by; post inaccurate or misleading information or pictures; or misrepresenting a product or service. You understand and agree that You are solely responsible for Your interactions with other visitors and that We reserve the right, but have no obligation, to monitor disputes between You and other visitors.
YOU WARRANT THAT AT ALL TIMES YOU WILL BE IN COMPLIANCE WITH THIS AGREEMENT AND THAT YOUR USE OF ANY SERVICE OFFERED BY US WILL NOT VIOLATE FEDERAL OR STATE LAW.
OUR SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. YOU EXPRESSLY AGREE THAT USE OF ANY SERVICE OFFERED BY US IS AT YOUR SOLE RISK. TO THE FULLEST EXTENT PERMISSIBLE PURSUANT TO APPLICABLE LAW, WE DISCLAIM ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION ANY WARRANTY OF MERCHANTABLITY, FITNESS FOR A PARTICULAR PURPOSE OR NON-INFRINGEMENT. WE DO NOT MAKE ANY WARRANTY THAT OUR SERVICE WILL MEET YOUR REQUIREMENTS, OR THAT ANY SERVICE OFFERED BY US WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR FREE, OR THAT DEFECTS, IF ANY, WILL BE CORRECTED; NOR DO WE MAKE ANY WARRANTY AS TO THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF ANY SERVICE OFFERED BY US OR AS TO THE ACCURACY OR RELIABILITY OF ANY INFORMATION OBTAINED THROUGH ANY SERVICE OFFERED BY US. YOU UNDERSTAND AND AGREE THAT ANY MATERIAL AND/OR DATA DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF ANY SERVICE OFFERED BY US IS AT YOUR OWN DISCRETION AND RISK, AND THAT YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OF SUCH MATERIAL AND/OR DATA. WE DO NOT MAKE ANY WARRANTY REGARDING ANY GOODS OR SERVICES PURCHASED OR OBTAINED THROUGH OR FROM US OR ANY TRANSACTIONS ENTERED INTO BY USE OF OR THROUGH ANY SERVICE OFFERED BY US. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM US OR THROUGH ANY SERVICE OFFERED BY US SHALL CREATE ANY WARRANTY NOT EXPRESSLY MADE HEREIN. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES, SO SOME OF THE ABOVE EXCLUSIONS MAY NOT APPLY TO YOU.
UNDER NO CIRCUMSTANCES, INCLUDING, WITHOUT LIMITATION, NEGLIGENCE, SHALL WE OR OUR PARENTS, SUBSIDIARIES, AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, OR SUPPLIERS BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, OR CONSEQUENTIAL DAMAGES RESULTING FROM THE USE OR THE INABILITY TO USE ANY SERVICE OFFERED BY US, OR FOR THE COST OF PROCUREMENT OF SUBSTITUTE GOODS AND SERVICES, OR RESULTING FROM ANY GOODS OR SERVICES PURCHASED OR OBTAINED, OR MESSAGES RECEIVED, OR TRANSACTIONS ENTERED INTO BY MEANS OF OR THROUGH ANY SERVICE
OFFERED BY US, OR RESULTING FROM UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA, OR OTHER INFORMATION THAT IS SENT OR RECEIVED OR NOT SENT OR RECEIVED, INCLUDING BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, USE, DATA, OR OTHER INTANGIBLES, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. YOU ALSO AGREE THAT WE SHALL NOT BE RESPONSIBLE OR LIABLE TO YOU, OR TO ANYONE, FOR THE STATEMENTS OR CONDUCT OF ANY THIRD PARTY ON OR ARISING FROM USE OF ANY SERVICE OFFERED BY US. IF YOU ARE DISSATISFIED WITH ANY SERVICE OFFERED BY US YOUR EXCLUSIVE REMEDY IS TO DISCONTINUE USE OF THE SERVICE WITHOUT REFUND OF ANY KIND WHATSOEVER.
Neither party shall be liable for delays or nonperformance of this Agreement caused by strike, fire or accidents, nor shall either party be liable for delay or nonperformance caused by lack of availability of materials, fuel or utilities or for any other cause beyond its control.
You may not assign Your rights or obligations under this Agreement without Our prior written consent.
The parties to this Agreement are independent contracting entities and there is no partnership or agency relationship between them.
Our web site is intended for use by individuals 18 years of age or older only. If You are under the age of 18 please leave this site immediately.
Either party may terminate this Agreement at any time for any reason or for no reason; however, the rights and responsibilities granted by this agreement shall survive termination.
All notices to Us under this Agreement shall be in writing and shall be delivered by United States Mail, registered or certified, return receipt requested, postage prepaid to the address recorded above for Us. Notices shall be deemed received on the date of actual receipt as indicated on the delivery notice or return receipt, or the date the receipt is refused.
The parties agree that this Agreement and its terms and conditions shall be subject to and construed in accordance with the laws of the State of Washington. The parties consent to exclusive jurisdiction and venue for any claim for enforcement of this Agreement, or any dispute arising from or related to this Agreement or use of this website, in the state or federal courts of King County, Washington.
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.
This Agreement sets forth the entire agreement between the parties. You acknowledge and agree that You have reviewed this Agreement in its entirety, and every part thereof, and that You understand the Agreement. You further acknowledge and agree that You have had the opportunity to review this Agreement and otherwise consult with Your independent counsel as to the Agreement.
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.