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3 Things Make Clarifinancial Unique

Written by Aaron Pinkston, Fri, Jan 08 2010

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You’ve heard it said, “Clarifinancial is the only way to get custom life insurance quotes from multiple agents without any hassle.” A lot of companies make claims they can’t back up – even with solid economic research.

One thing is true: there is only one way to get customized life insurance quotes from multiple agents without any unwanted phone calls or emails.

This isn’t one claim. It’s really three claims in one that form a completely unique experience for you. Let’s break it down and take a look at each one by itself:

  1. The first one is that you will get “custom life insurance quotes.” When you go online to look for life insurance quotes, it’s easy to find other places to get instant quotes by checking a few boxes and entering your telephone number. The down side is that you have to know something about life insurance before you even get started. They ask questions like are you “regular” or “regular plus”. And none of that really makes sense.

    Not only is it confusing, but the method of providing you with life insurance quotes does not reflect the true nature of the life insurance market. Different life insurance companies have different underwriting guidelines for what appear to be identical types of policies. You need a way to get life insurance quotes that deals with your specific situation and what is important to you and your family. A spreadsheet of instant quotes cannot deliver that to you. You need to find a method that is sensitive to these differences, which are constantly in flux.

  2. The next piece of our unique pie is getting quotes from “multiple agents.” I’ve written about the importance of getting life insurance quotes from different agents in the past. You might also want to read up on the third life insurance secret.

    No single agent can know all the answers for you. In order to get a wider perspective to choose from, you need to get life insurance quotes from many agents. If you look at the business structure of some of our perceived competitors, they are just a life insurance broker representing a few companies. It’s almost as if you opened up the phone book and called a single agent in there. In fact many of the agents you could find in a phone book might represent more companies than some of these other companies you’ll find on the internet!

    More importantly, you need to get the opinion of more than one agent or online brokerage to make sure that you are getting the best deal and to keep them fighting for you and keeping them honest. Unless they know they are in competition, they might make a decision benefiting them more than you. Keep them honest. Keep them fighting for you.

  3. And speaking of life insurance agents fighting, you need to make sure you are not in the middle of all this. That’s why you need the last part of our claim of “no-hassle life insurance quotes.”

    If you are getting custom quotes from different agents, you are constantly bombarded by phone calls and emails from agents who want to sell you something. I saw reviews for an iPhone app recently that provided a life insurance quoting system. And weeks later – weeks – this guy is still getting phone calls from strangers that he doesn’t know who are trying to sell him life insurance. That is ridiculous!

    Instead, imagine getting quotes from multiple agents competing for you, customized to your particular situation, and when you find something you like, that one agent contacts you. Now imagine how that initial conversation will go – it’ll be a lot different. Because they know you are already farther down the path, they don’t have to sell you anything. They can be an aide and an advocate for you, helping you the rest of the way.

That’s what makes Clarifinancial truly unique – whether it is online or in person. It is a rare combination to:

  1. Get custom life quotes
  2. From multiple agents
  3. With no hassle
If you want anything less, check out the competition. But if you expect to find life insurance on your own terms, give Clarifinancial a try.