TermProvider | Big Lou is a national Life Insurance Brokerage firm based in Fort Walton Beach, Florida. Founded in the early 1980s, we are one of the largest life insurance brokerages in the nation. We solicit term and permanent life insurance, annuities, and long-term care products through nationwide advertisements.
Our Company is composed of financial professionals who offer high quality insurance and financial products and services to the individual and business marketplace. We take pride in knowing that our clients keep returning to us for advice. Big Lou is the Brand Name used in advertising created by TermProvider in 2011.
Our Company is composed of financial professionals who offer high quality insurance and financial products and services to the individual and business marketplace. We take pride in knowing that our clients keep returning to us for advice. Big Lou is the Brand Name used in advertising created by TermProvider in 2011.
Services
Big Lou
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Big Lou is the Brand Name used in advertising that was created by TermProvider in 2011. Big Lou is an every person, meaning, that he is just like most of our clients in that he needs Life Insurance and has a few health glitches. Many people find it difficult to navigate the Life Insurance marketplace if they are overweight, have diabetes, or other health issues.
My Rate Class
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We used to provide live insurance rates online, but we found that many clients were frustrated with the quotes presented. There is no quote system online that can take your entire health history into consideration and give you a truly accurate quote, and so many people liked the quote they saw, but couldn't actually qualify for that rate.
Mythical Online Rates
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We used to always show rates on our websites. The problem was that the rates we showed almost never were what you would actually qualify for. We advertise to people over 50 years old with health issues and only 2% of that age group is going to qualify for the best rate class possible. Most often, people would hit our website, choose $1,000,000 and do one of two things.
Term Layering
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Term Layering is a concept in which you take 2 or more Life Insurance Policies with different Benefit Amounts and Different Term Lengths in order to get as close to your ideal need for coverage. Most people believe they are limited to just 10, 15, 20, or 30 year term lengths and they try to get all their coverage in one policy.
Pension Max
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When you retire, you have a lot of choices to make, and most important among these choices is whether to take your full pension payout or elect to have a spousal benefit. If you take the maximum, your spouse gets nothing when you die. If you opt for your spouse to receive 100% of your benefit when you die, you will receive only 50% - 70% of your maximum benefit now.
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