At ChooseTerm.com our goal is to help you find the right life insurance policy for your unique needs. With many different types of life insurance policies available, we understand that choosing the right type of policy and company can be daunting. Our goal is to understand what you are trying to accomplish and help you find the right policy at the best rates. When you call us or email you will find that we really make the process of shopping for a policy easy.
Who We Are
ChooseTerm.com is an independent life insurance broker. That means that we have access to over 40 high quality life insurance companies, and we do comparison shopping for you. Because we have access to the best life insurance companies we are able to find the right insurance company for your situation. Chooseterm.com is founded by Liran Hirschkorn who has been a licensed insurance agent for over 10 years. When you call us, you won’t speak to a customer service rep overseas, you will speak directly with Liran who has the experience to help you find the best rates. Best of all, you don’t pay us a dime for our service. We get paid directly from the insurance companies we work with and you don’t pay a higher rate for working with us – in fact, most of the time we are able to save our clients money on their life insurance policies.
In the life insurance business there are two types of agents. Captive agents and independent agents. Captive agents work with one insurance company. For example Statefarm or Allstate agents are captive agents. Since they only work with one insurance company they will only offer you that company, even if that may not be the best fit for you. On the other hand, independent agents often work with multiple insurance companies and the only goal is to match you with the right company. ChooseTerm.com is completly independent. That means we know how to find you the best rate possible. We know which insurance companies are most favorable for very healthy individuals, and which companies would be most favorable for people with diabetes, either Type 1 or Type 2 diabetes, or other pre-existing conditions.
Unlike other insurance websites that sell your information which results in you getting bombarded with phone calls, at ChooseTerm.com we don’t sell your information to anyone else. When you choose to contact us through the website or by phone, you will only work with us. We look forward to helping you with your life insurance needs.