InsureTerm
How we are paid
Using the library and getting a price costs you nothing. Here is where the money comes from, in plain words.
InsureTerm is a brand of an independent, licensed insurance agency. We are not an insurance company and we do not issue policies.
Where the money comes from
When you buy a policy through one of our licensed agents, the insurance company that issues it pays the agency a commission. You do not pay us a fee, and you are never charged for the guides, the calculators or a call with an agent.
Does a commission change your price
The premium is set by the insurance company, not by the agency, and we add nothing on top of it. What an agency changes is how many insurers it can compare for you, and how clearly the trade offs are explained before you choose.
What a commission can and cannot do here
- It can pay for the agents who call you back and for the research behind the library.
- It cannot buy a better review. No insurer pays to be included in a guide, and no insurer sees a guide before it is published.
- It does not decide which policy an agent suggests. Agents compare more than one insurer and show you the trade offs, including when a policy you already have is worth keeping.
What we do with your details
When you use the quote form, your answers go to the agency so a licensed agent can call you with prices. We do not sell your personal information. The full details are in the privacy policy.
Your own price, from a licensed agent
Get your price, with no fee from us
- Answer a few quick questions. Age, state, health and the coverage you want.
- A licensed agent calls you. From an independent agency that compares more than one insurer.
- You see real prices and conversion rules side by side. Nothing is bought on the call unless you choose it.
