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Life Insurance FAQs
Frequently Asked Questions 


How do I know if I am getting the best rate?

Unlike many other financial products (such as home mortgages), life insurance rates are filed with and regulated by your state's Department of Insurance. Whether you buy from Reduce.com, your local agent, or directly from the life insurance company, you'll pay the same monthly premium for the same plan.



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What is the cost of your service and how is Reduce.com compensated?

All the services offered by Reduce.com are provided at no extra cost to you, the consumer. If you buy a life insurance plan through Reduce.com, you'll pay the regular monthly premium to the life insurance company you chose, but you'll pay nothing to us. Our fees are paid by the insurance companies in the form of commissions, which are built into the premium amount.



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How does Reduce.com Save Me Money?

Reduce.com allows you to receive insurance quotes from different insurance companies that are competing for your business. By shopping through so many different companies you are able to find the best policy for your needs at the best price. In addition, we provide you with educational tools, reference materials, articles, and e-tools to help you make more informative insurance purchases.



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Is Reduce.com an insurance company?

No, our mission is to enable insurance consumers the ability to comparison shop through many different insurance companies in order to find a policy that fits their needs. We compile data on the nation's top insurers to provide you with one-stop shopping for all of your insurance needs.



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What happens to information once I receive my insurance quotes?

All information you log in is kept completely confidential. We never sell, lease, or give information to third parties. When you request an insurance quote for a product that we do not sell directly your information is sent to the insurance companies that provide you with an insurance quote. We recommend that you view our Privacy Policy for more information.



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What if I decide to purchase one of the policies Reduce.com finds for me?

If it is a life insurance product you can apply through us by filling out an application from the company you choose. Simply call our toll-free number at 1-888-600-3600 and a customer service representative will send you an application for the company of your choice. For fastest service you can complete your application on-line by following the directions that appear after you receive your quote. For other insurance products on our web-site we act as a link between you and the insurance company. In most cases, you will be given an insurance representative to contact who can guide you through purchasing the insurance product you were quoted from our Reduce.com On-line or an insurance representative will contact you regarding the insurance product you were quoted.



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What if I have more questions regarding the Reduce.com Service?

Simply e-mail our customer service department with any questions you might have at
info@reduce.com.



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What kind of service can I expect if I purchase a policy through Reduce.com?

We will provide you with all of the personal service you need after you become a policyholder. Simply call our policyholder service department for any information regarding your policy. If you purchased your policy through one of the insurance companies representatives they will provide you with complete service on any needs you have while you are a policyholder.



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We are committed to providing the highest level of service to our clientele. This commitment ensures that we are always available to work on a case, that we are as quick with any bad news as we are with the good news, and that we will uphold our fiduciary duty to the client.
 
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Life insurance, Term Life Insurance, Term Life No-Exam (also known as Term Life Insurance No-Medical Exam and Life Insurance No-Physical) quotes are available through Reduce.com in the following states: Alabama (AL), Alaska (AK), Arizona (AZ), Arkansas (AR), California (CA), Colorado (CO), Connecticut (CT), Delaware (DE), Florida (FL), Georgia (GA), Idaho (ID), Illinois (IL), Indiana (IN), Iowa (IA), Kansas (KS), Kentucky (KY), Louisiana (LA), Maine (ME), Maryland (MD), Massachusetts (MA), Michigan (MI), Minnesota (MN), Mississippi (MS), Missouri (MO), Montana (MT), Nebraska (NE), Nevada (NV), New Hampshire (NH), New Jersey (NJ), New Mexico (NM), New York (NY), North Carolina (NC), North Dakota (ND), Ohio (OH), Oklahoma (OK), Oregon (OR), Pennsylvania (PA), Rhode Island (RI), South Carolina (SC), South Dakota (SD), Tennessee (TN), Texas (TX), Utah (UT), Vermont (VT), Virginia (VA), Washington (WA), Washington DC (DC), West Virginia (WV), Wisconsin (WI), Wyoming (WY).
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Although great effort has been made to ensure this site contains accurate and timely information, it is provided with the understanding that the author and publisher is not engaged in rendering legal, accounting, tax or other professional advice. If professional advice is required, the services of a competent advisor should be sought.