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Term Life Insurance Companies Use Smoke & Mirrors to Increase Sales



Paramount, CA -- It doesn’t take a genius to recognize the truth from “Shine-ola” – especially when it comes to life insurance advertising. Over the past few months, the bad press surrounding life insurance giant AIG, has caused life insurance sales to drop. These insurance companies now are using every trick possible to drum up new business, like a story floating around from one popular life insurance company that says “Life Insurance Rates Going Up”. They tell you to ‘Hurry up and get your life insurance before the rates ‘go up’, which is “crazy talk” according to term life insurance expert Morgan Moran.

Let’s take a look at the facts for a moment. “When less people buy a product the price of it drops”. That is a fact of economics. Another fact is, “When people think your product is tainted, , the price of it really drops. Now think of AIG, or a life insurance company, and you cringe.” The life insurance consultant said, to “expect further drops in price.” The term life insurance available now is at a better price than last year, so getting a policy now is a good idea, and if the rates drop more, you can always redo your policy to take advantage of further discounts.

Morgan Moran, the consultant said, “Everyone needs to have life insurance and term life is a great product, well worth the value, so trying to shine up something you really need, is unnecessary, especially now. The term life insurance broker said, “Life insurance rates are actually down, so I would recommend ignoring what the marketing guys at some of the big insurance companies are saying.”

One life insurance company published this misleading information about life insurance online. The story was quickly gobbled up by a major news outlet and republished. It said, “Since the start of the year, life insurance companies have started raising premiums for new policies--most often by 5 percent to 15 percent. While a typical policy might be about $20 per year more expensive, these likely represent just the first wave of premium increases” the life insurance company said. – CRAZY TALK

Paramount life insurance, a term life insurance company in California reports that “term life insurance rates are actually down 17% from last year, a single man – age 46 can get affordable term life insurance for his family at the best prices in years.” Check your rate at Paramount Life Insurance executives said, “Term life insurance rates in California are down, and are not expected to rise anytime soon.”

Florida life insurance web, a free Florida life insurance consultation service says, “The big life insurance companies might want to make you think their policy rates are up, but after the AIG life insurance fiasco they are down quite a bit in Florida.

Check Florida (TERM) Life insurance rates at this website:

TRUTH IN ADVERTISING WATCH: “The life insurance rates in most states are down, not up, and they are not expected to rise anytime soon.”

Find out more about term life insurance, at


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