Don’t Buy a Life Insurance Policy Until You Watch This!

Thinking about buying life insurance? If you don't want to get ripped off, or make the dumb mistakes that so many people make every day with their insurance, watch this video BEFORE you buy.

Take a listen to Byron - he knows his stuff - as he shares inside secrets with you that the insurance companies won’t. Once you watch this, you’ll know what you need to know in order to SAVE BIG BUCKS on your next life insurance policy.

Visit our blog and learn more about how much life insurance you need and the kind of coverage that fits your life. If your thirst for knowledge extends past the common questions, peruse our blog at your leisure.

Prefer to read? Here's the video in words!

Hi. I’m Byron Udell, Founder and CEO of AccuQuote.

As one of the leading life insurance experts…with over 30 years experience in the industry…I’m here to tell you that NOT having life insurance is truthfully…one of the stupidest things on the world to do.

If you DON’T have life insurance, you are leaving your loved ones open to a world of hurt. What if you suddenly died TOMORROW…how would your family get by financially? How would your SPOUSE pay for the mortgage…utilities…health care…your kids’ college tuition, etc.?

Think about it.

Now…do the right thing.

Hey, EVERYBODY needs life insurance. It’s one of the SMARTEST things you can do for yourself...and your family.

Life insurance turns pennies into dollars when your family needs it the most.

Why would you NOT want to buy this product?

Exactly!

But before you DO buy life insurance…let's talk.

First off, you have to figure out what KIND of life insurance best suits your needs.

TERM LIFE INSURANCE is certainly the most affordable. A term life policy now costs about A THIRD of what it did just 20 years ago.

A 35-year old male can get a half a million dollars of term life coverage for over 20 years…for less than a dollar a day. How’s THAT for a great deal?

Term life insurance is typically sold in terms of 10, 15, 20, 25 and 30 years.

Another great thing about a term life policy is that you can also use it as an investment tool.

With a RETURN OF PREMIUM…or…ROP term life policy…you can get 100% of your premiums back...if you are alive at the end of the term.

It’s like getting life insurance…with a money-back guarantee!

Say you buy a $1 million policy with a 30-year term. And let’s say your premiums are $10,000 per year…depending on your age, health and other factors. At the end of the 30th year, the insurance company will pay you $300,000…tax-free!

Think of the money as a new huge asset in your retirement portfolio.

And if you DO die before the term, then your family will collect the $1 million death benefit.

An ROP policy does cost more than a traditional term life, but it’s a better way to win the game of life insurance.

Now, the downside of term life is that it only covers you for a temporary period of time. And when the term of that policy ends, the new premiums skyrocket upward dramatically.

Frankly, most people…at that point…simply drop the policy. Which is GOOD for the insurance company…but BAD for you.

But the ONLY way to win the game of life insurance…is to DIE with your policy in force. Meaning…your policy has to be CURRENT. Then you’ve WON.

Otherwise, you’re up the creek without a paddle.

But if you purchase a PERMANENT LIFE policy, you won’t have to worry about your policy ending. There’s no expiration date on this type of product.

And the results are just amazing! Take a woman, AGE 43…with a $500,000 PERMANENT LIFE policy…making premiums of $2,500 a year. At age 86…43 years later…she would’ve paid $107,500 in premiums. If she died the same year at age 86…her family would receive $500,000 tax-free. That’s a net gain of $392,500! That’s a tax rate of return of over 7 percent!

What OTHER investment product competes with THIS level of return?

And one of the best places to buy affordable life insurance is at AccuQuote. Since 1986, we have helped hundreds of thousands of customers save over $100 billion in coverage.

We work with ONLY the top-rated, name-brand life insurance companies in the industry. And we can help YOU get the life insurance you need…at a price you can afford.

I’m Byron Udell…and thanks for listening.

[johnkohler]

This dude is Awesome! I love how he is all "If you die your family is screwed!" Or "Now for some shameless self promotion " I'm not being sarcastic. I genuinely love how Frank he is about the whole situation! Idk maybe it's my age but whenever I see most insurance people I automatically think to myself "Okay how is the person going to screw me or my family over and will I have to haunt them once I'm dead because they did so. " but with him it's like hey what you see is what you get.someome has a much better chance of selling something to me and the people in my age group (25-30) If they just straight up tell me " hey this is what you're paying us for.I you do this, this and this you're good and you're covered! But I'm not going to lie to you if you don't do those things or if you do this, this or thi we will take your money and that's just the name of the game.Evrry other place will do this to you as well but I'm just trying to be upfront so you know what you're getting!" BAM! SOLD!!! There are so many scams and schemes nowadays if you tell me only the good stuff I'm going to be suspicious. Food for thought for all the salesmen out there.

[coachtanishamarie]

don’t use your job life insurance if you die they are the beneficiary your job.. not your family — get your own policy and forget your jobs one

[roblocksley]

I don't recommend sun Life short term disability. I had it through my work and got hurt. Filled in December, March now, no pay out. They ask for more and more information about you, medical records after medical records, doctor to fill out multiple forms. It's a waiting game until your company coverage runs out, and they don't have to pay. I would decline that coverage. They have no probs taking money outta your paycheck, but don't pay out.

[chas]

Isn't ROP Term just another way of saying you're over paying for the term? It's basically a cash value policy, but you don't get access to the cash value! You loan the insurance company your money, they invest it, and if you don't die, they give you the money back without the gain! It's a giant put together, so buyer beware.

[yakkyuu]

KEY STATEMENT FROM THIS "RIP OFF" Artist---- at 3:21 --- It WILL DEPEND on your, age health and SPECIAL NOTE --- OTHER FACTORS -just listen at 3:21.
This is what insurance companies REALLY DO --- THEY WILL KEEP TRYING to DEVALUE what PAYMENT you CAN GET AND MAKE YOU PAY MUCH MORE than you should, ALWAYS telling you there ARE "FACTORS" that you "most likely" ( YES - the MAJOR majority of people -- IRREGARDLESS OF HEALTH) will not qualify, BUT, OF COURSE they WILL get you BETTER coverage ( REALLY MINIMAL) --- IF YOU PAY ---- A LOT MORE!!!
What a scam!!

[jerndion]

Life insurance policy is only applicable to rich countries, but in a poor country, say no! In poor countries the technique of life insurance is like bubbles they shown up and suddenly they burst out and disappeared when they met their target of good money. When they get all the money of their poor customers they close their life insurance company and then they start again with their new name, new customers again to them and good money again to the life insurance company.

[emmbns]

Why does it look like a scam? Why put your money somewhere and wait to die to get the benefit? I would make a WiLL, or invest in something.

[insurancebrokersaustralia]

Thanks for giving valuable information. I personally use the "AMA Insurance Brokers" in Australia for my life insurance.

[Youuji]

“The only way to win the game of life insurance is...to DIE with your policy“ lol...so true...now let’s go out and win!!!

[BoomPow]

Is it better to combine health and life insurance into 1 policy? Or is it better to separate them? Thanks

[alimohammond]

what about MetLife insurance not paying out to the parents of there son or daughter died over seas, MetLife didn't pay out! lots of insurance company will try to find ways to not pay out!

[jenniferCastellano]

What if your single? I don’t have anyone to leave it to except my birds LOL!

[jamesfudge]

Good information on insurance policies. Having insurance is a must especially when you are you're family's, breadwinner.

[mms]

Dave Ramsey said whole life id a rip off. You do not get the cash build up for whole life.

[CatalinaMolinaOxO]

They are trying to make it sound like if you don’t get life insurance you are a horrible person.

[irinavarosyan]

A permanent plan cost more expensive compared with term life. It’s same you have to die to win the game. Remember the purpose of life insurance. It’s your income replacement! So why do you need to buy a permanent life and spend so much money on it when you can get 30 or 35 term life ( never get 10, 20 if you are not sure that you won’t need life insurance after 20 years) and invest the differences. Because when you haven’t spend the cash value in permanent life policy and you die your beneficiary will not get the death benefit + cash value ( Google it now) They will get only death benefit! So why would you put and save money for the insurance company cause most of the cases people don’t touch that money unless there is an emergency so money stays there ? Unlike investment (9-12% ) which has beneficiaries and your beneficiary will get the money you invest + life insurance. I don’t know about other companies but the company I work with is not raising the prices so you can’t get it and also there is no need to prove your insurability + premium wavers ( which means free life insurance for the rest of your life if you are disabled) the reason that most agent want to sell the permanent insurance policy is because they get $ . It still pays you the death benefit but there is no way you can win the game! Like if you die in the first day you still get the coverage but you have paid for it 3to 4 times more. If you want to get your life insurance never ever combine it with anything like cash value! Remember insurance can’t be waste of money if it doesn’t have any cash value ! Never ever !what you mean you don’t get your money back ? But what if you died during the term? Do you mind that auto insurance companies doesn’t give you your money back when you have no accidents! Life insurance is for replacing but if you want to gain financially then invest the difference ! Simple like that!

[نادرابومصطفى-غط]

How come places with the highest record in taking on life insurances matches those that score the highest in abortion rates/numbers?

[BiggeMeech]

Is Life Insurance even a good option for post-graduate students who have no intentions of having children at the moment? Would we prefer to get term insurance for our spouses and if so what insurances are best for the best ROP/term policies?

[thesebeautifulwordsrevealed]

I will not die because I will be here when my savior Jesus returns ... Praise The Lord!

[kuronokengou]

Can I get all the money out at once. When I need it for reasons not life threatening?