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Why does Clarifinancial take 48 hours?

Written by Aaron Pinkston, Tue, Dec 01 2009

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This is a real question that comes from Jennifer, a long time friend of mine from college. We were emailing back and forth about life and she asked me about Clarifinancial. She had a few questions and I tried to pick out the most common ones to answer here.

Her question was why it takes 48 hours from the time you request a life insurance quote to being able to pick the best one? The short answer is that it is better for insurance shoppers this way. Let me explain.

Early on in the development of Clarifinancial, I would bounce around different parts of ideas about it to various people. Usually, I tried to customize our conversations around their expertise and focus. This way our conversation would both be interesting to them and beneficial to me.

Having a few friends in the insurance business, I proposed the general idea of Clarifinancial to them and asked what they thought. One of their primary concerns was the 24 hour time period I described. What if a person was looking for life insurance who had some unusual risks? (In fact, Clarifinancial is ideally suited for someone like that.)

The additional research involved by the agent demands extra time. They may have to send several emails, make phone calls, or find the time to pull out underwriting guides to find the best life insurance deals for that individual. All of that research takes time.

After talking with several people on the agent and shopper side of things, they all agreed that 48 hours would be long enough for the agents to find the details they need without alienating insurance shoppers because it takes too long.

The secret here is that while Clarifinancial is automated and could work very quickly. Behind the scenes, it still relies on the expertise of real insurance agents who have their ear to the ground. And not just the limited experience of one agent, but many – each one requires time to find the best life insurance quotes they can.

In the end, the 48 hour window allows you to get better, more accurate, customized life insurance quotes. Putting quality quotes above other concerns demands a little time. Try it today to see how good your quotes will be.


PS – Let me know if you like the Real Questions format and I’ll answer more of your real questions about life insurance here.