Answers to Commonly Asked Questions about our Web Site and Automatic Insurance Quotation Service

1. How do I reach an ITECH Advisor if I have additional questions or need life insurance counsel?
   
   
2. How do I know that the companies listed on my personal ITECH Term Life Insurance Survey are among the safest available?
   
   
3. I am not sure whether I want a 15-, 20-, 30-. or 50 year Guaranteed Premium Product. Is there a sure way to simplify the price comparison process?
   
   
4. What's the maximum amount of life insurance coverage for which I can apply?
   
   
5. Why should I deal with ITECH Insurance Corporation rather than traditional agents or brokers?
   
   
6. Do you offer insurance in all states?
   
   
7. Are there any additional costs associated with applying for term life insurance service with ITECH?
   
   
8. Besides income replacement, can I use term life insurance plans for different various reasons such as Estate Taxes, Mortgage Insurance, and Business situations (i.e., Key Man, Buy/Sell, Business Loan Collateral etc.)?
   
   
9. How do I apply for a policy?
   
   
10. After I send back my application, what follow-up is required on my part?
    
    
11. How do I obtain temporary insurance while waiting for the insurance company to evaluate and underwrite my health?
    
    
12. Who would be the Advisor on my new insurance policy after I am approved?
    
    
13. What are some of the differences between ITECH's Personal Term Life Insurance Service and "insurance quote" Web sites?
    
    
14. How does ITECH use and safeguard the personal information I provide?

How do I reach an ITECH Advisor if I have additional questions or need life insurance counsel?

Call ITECH at 1-800-400-4832 and ask our receptionist to direct your call to one of our experienced and licensed ITECH Advisors, or email us for a quick response at service@itechusa.com. We are personally available to you from 7:30 a.m. to 7:00 p.m., Pacific time, Monday through Friday.

How do I know that the companies listed on my personal ITECH Term Life Insurance Survey are among the safest available?

ITECH saves you time by using our unbiased software to "weed out" any insurance company that is not rated at least A- Excellent by A.M. Best (the leading authority on insurance company safety since 1899). This means that the survey you receive will be a listing of companies and products available that are all the highest rated, either Excellent or Superior by A.M. Best.

I am not sure whether I want a 15, 20, 30 yr. or 50 yr. Guaranteed Premium Product. Is there a sure way to simplify the price comparison process?

Yes. Not only will we send you an easy to read survey of the companies and products available to you, we can also send you a separate summary page that shows you the very best choices for each guarantee period desired.

What's the maximum amount of life insurance coverage for which I can apply?

Typically, the purpose of guaranteed term life insurance is to replace the income that is lost by the premature and unexpected loss of life. The maximum amount of coverage is a function of your age and average annual income. It is calculated by using a multiplier that adjusts over time as you get older.

Even though everyone's financial circumstances will differ, most financial professionals will recommend the minimum amount of life insurance coverage to be no less than 10 times your average annual income. Contact one of our licensed ITECH representatives and discuss their best recommendation for your personal situation.

Why should I deal with ITECH Insurance Corporation rather than traditional agents or brokers?

You benefit immediately from three critically important advantages. ITECH provides:

• Accurate, unbiased advice and professional counsel from our experienced Advisory Staff. You receive expert advice, at no cost, from ITECH Advisors on how the proper life insurance choice fits in with your personal, family, and even business needs.
  
  
• Easy access daily to your Advisor by telephone (1-800-400-4832) and email (service@itechusa.com), and
  
  
• Direct cost savings because we offer you the lowest cost and highest quality product for which you qualify.

This is how the comprehensive ITECH Insurance Quotation System provides value to each and every one of our clients.

Do you offer insurance in all states?

ITECH is currently available and licensed to do business in all states except Hawaii and New York. Also, certain products from certain companies may not be available in all states, so check with your licensed ITECH Advisor with any questions you might have.

Are there any additional costs associated with applying for term life insurance service with ITECH?

No. There are no extra fees, or front load commissions when applying with ITECH or when using our quotation service.

Besides income replacement, can I use term life insurance plans for different various reasons such as Estate Taxes, Mortgage Insurance, and Business situations (i.e., Key Man, Buy/Sell, Business Loan Collateral etc.)?

Yes! Absolutely! The licensed ITECH Advisor can advise you on how different products can be used to fund different business and personal needs. Be advised however, that ITECH does not give legal or tax advice. You should consult with your legal or tax advisor, as well as your ITECH insurance Advisor.

How do I apply for a policy?

The process is very simple! Just call toll-free at 1-800-400-4832 and ask for one of our licensed and experienced Advisors. We will send you an updated survey along with the necessary application forms. Your job then becomes to complete and return your application to ITECH in the most expeditious way possible.

After I send back my application, what follow-up is required on my part?

None, in most cases. We have a highly trained case management department that will help expedite your case through the underwriting process and communicate with the insurance company on your behalf. An individual case manager will be assigned to your particular application to help navigate it through underwriting.

How do I obtain temporary insurance while waiting for the insurance company to evaluate and underwrite my health?

You should call your licensed ITECH Advisor before sending in any money because the guidelines for temporary insurance vary from one insurance company to another. It is possible to get up to $500,000 or more of temporary insurance subject to the terms and conditions of a given insurance company's conditional receipt. Call us at 1-800-400-4832 if you have specific questions, or email us at service@itechusa.com.

Who would be the Advisor on my new insurance policy after I am approved?

ITECH Corporation will assign an Advisor to handle any product or insurance planning questions you may have. The ITECH Advisory Staff has an average experience level of 18 years in the life insurance industry and is always just a phone call away - Give us a call between 7:30 a.m. to 7:00 p.m., Pacific time, Monday through Friday, at 1-800-400-4832, or email us at service@itechusa.com.

What are some of the differences between ITECH's Personal Term Life Insurance Service and "insurance quote" Web sites?

The insurance quotes we provide are only the first of many services we offer you. We are financial advisors helping you to use term life insurance to protect your assets, your family and even your business from the potential impact of your loss. Your interests are our interests - for the long-term. We are always here to serve your needs.

Some insurance quote Web sites boldly tell you that they were the first to offer the lowest term life insurance premiums. Despite what they say, the truth is that ITECH pioneered "the lowest possible term life insurance" for you, and our Mission Statement tells you why:

To obtain through research and computer analysis, the greatest amount of life insurance with the highest quality companies, over the longest period of guaranteed time for the least amount of money, for the families and businesses of our clients.

How does ITECH use and safeguard the personal information I provide?

Because of the nature of term life insurance, ITECH must obtain personal information from you so that we may provide you the highest value and least expensive life insurance policy to meet your specific requirements. Personal information is therefore a substantive component of ITECH's relationship with you. We would soon be out of business if we did not safeguard your privacy.

We have every precaution in place to ensure that your private information is not inadvertently or even purposely disclosed to persons without "need to know." The only persons who ever see your private information, with your approval and permission, are (1) ITECH Advisors who use the information to work with you to ensure that your insurance company choice is the best match for your personal circumstances and financial security; and (2) your selected insurance company. Click here for our plain-English Privacy Policy.

For more information, please click here.