"How was the Prequalification process helpful to you, as a consumer? What would you say to other consumers about Prequalification?"
"I appreciated being able to have the prequalification exams and questions being handled in my office at my convenience." Sheila Guston, MA, CAE - Glen Rock, NJ |
"... the prequalification process was very helpful and a real time-saver for us." Terry and Iwana Evans - Marshfield, Missouri |
"I felt that the prequalification process was expeditious and painless, without the feeling of being an outcast." George P. - Connecticut |
"The prequalification process was a snap. Very quick and to the point. No guess work here!" Gene and Angela A. - North Carolina |
"I particularly like the prequalification process because it offers all the options up front and dramatically streamlines the decision making process. "This has been my first experience with the prequalification process, in the past the procedure was always 'apply and wait to be accepted or turned down.' "In the future I will only work with companies or brokers that will prequalify, 'you know the answer before you ask the question.'" Katharine S. - Pennsylvania |
"I particularly like the prequalification process because it offers all the options up front and dramatically streamlines the decision making process. "This has been my first experience with the prequalification process, in the past the procedure was always 'apply and wait to be accepted or turned down.' "In the future I will only work with companies or brokers that will prequalify, 'you know the answer before you ask the question.'" Katharine S. - Pennsylvania |
"Since I had already been denied coverage by one insurance carrier, I did not want to be turned down by another, knowing full well that if another carrier declined me coverage it would make it extremely difficult to get coverage from another carrier and expensive. "Prequalification gave me peace of mind through the whole process. It would be extremely beneficial for anyone seeking life insurance to go through the prequalification process. If you are not sure of your state of health, it's an absolute must." Dan O. - California |
"Prequalification was helpful because I knew I was facing an uphill battle in securing life insurance, and prequalification allowed me both to get an answer quickly and to know what sort of policy and fee I'd be qualified for. "I would certainly recommend prequalification, because it does give peace of mind. It's personalized (unlike so many other preliminary quote offers) and let me go through the process without undue worry." JFB - Atlanta, Georgia |
"I think that, especially for people like myself that have a pre-existing disease, the prequalification process is especially effective." Dennis M. Byrnes - California |
"As an insulin-dependent diabetic, I had pretty much given up hope on finding affordable life insurance. By specializing in difficult cases like mine and utilizing an in-depth prequalification process, [I] secured a reasonable 20-year rate..." James - New York |
"It was extremely convenient to fill out [the prequalification] questionnaire online and receive a prompt response, informing us if we were qualified and how to proceed. Quick and easy to use.... All in all, it was a pleasant and painless process." Lyssa Flaherty - California |
"[The] rates were very reasonable and held up exactly as quoted in the pre-qualification process." David Juberg - California |
"The process was quick, thorough, and got me great coverage with a first rate company." Don - Michigan |
"The Prequalification process was fast.... Don't be nervous about it, I was surprised at how painless it was and appreciated how [the process] made me think getting insurance was indeed possible." Kathleen Davis - Connecticut |
"The prequalification process was very helpful because I knew that there was an insurance company out there that would cover people with illnesses. It was also helpful to know what the monthly premiums was going to be. It's a great process!" Uyenthi Tran - California |
"The prequalifying process eliminated the fear we had about... being declined for coverage." Donna V. Moose - Indianapolis, Indiana |
"The prequalification process is a great tool that provides consumers with timely information with minimal risk to the consumer." Andy Chen - New Jersey |
"I felt that all the possibilities for the best quality and value plans were considered based on the parameters I needed. This really put me at ease, and also helped me understand the process.... Prequalification is a necessity." Kalman Serkez - Monsey, New York |
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Copyright © 2001-2008 by Steven H. Kobrin, LUTCF. All rights reserved. Steven H. Kobrin, LUTCF, is an independent life insurance broker and recognized expert in the field, serving as a preferred life insurance quote provider for many professional advisors and their clients, including attorneys, accountants, financial planners, and loan officers. Experienced at patiently helping people through the life insurance maze, Steve is glad to share his perspective with the public and he warmly welcomes all emails and phone calls from consumers and consumer advocates. Email: skobrin@stevenkobrin.com |