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Browse Our Mortgage Life Insurance Tips

There’s a lot involved in understanding how Mortgage Life Insurance works. Our primary goal is to provide consumers with the best source for Mortgage Protection Life Insurance information on the Web. Check out the TermAdvantage experts’ guide to Mortgage Insurance Protection to learn the basics of Mortgage Insurance, as well as how to find the highest-rated Mortgage Insurance Companies, an accurate Mortgage Insurance Quote, and the lowest Mortgage Insurance Rates available. Learn how to protect your home and family, while obtaining the best-suited Mortgage Insurance Policy and the lowest Mortgage Insurance Premiums in America. Make sure to read our guide to Mortgage Term Insurance as well as how to obtain the best Mortgage Protection Plan in the entire country. We think it’s well worth your time!

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*Commercial use by others is strictly prohibited by law. The graphic images, layouts, buttons and/or text contained within this website are the exclusive property of TermAdvantage Insurance Services, Inc. No portion of TermAdvantage.com may be copied, published, faxed, mailed and/or distributed in any manner for any purpose without the express written consent of TermAdvantage Insurance Services, Inc.

**Answering the questions on this page will not result in a determination of your eligibility for life insurance coverage. All policies are subject to underwriting and approval by the insurance company.

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TermAdvantage's Legal Disclaimer
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Legal Statement

TermAdvantage Insurance Services, Inc. disclaims all warranties, expressed or implied. It is your responsibility to determine the accuracy and relevance of all advice, information, and opinions published on TermAdvantage.com. Although we strive to provide as accurate information as possible, we do not make any guarantees due to human or computer error. All information contained on any page of TermAdvantage.com is distributed with the understanding that its publishers are not providing specific legal, tax, or professional advice. The advice contained herein is for general purposes only and are not opinions for specific matters. TermAdvantage Insurance Services, Inc. shall not be liable for any damages, whether direct, indirect, or consequential arising from the use of any information contained within TermAdvantage.com. Please consult your own legal or tax advisor for your specific situation.

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Our Quotes

Quotes provided by TermAdvantage Insurance Services, Inc. are for illustration purposes only and are as accurate as the information provided. Actual premiums and coverage will be based on age, gender, health history, medical examination, state of residence, tobacco usage, and underwriting by the individual insurance company.

The information used in all insurance rate quotes have been taken from the rate cards and rate manuals which life companies routinely publish and distribute to life agents and brokers. To the best of TermAdvantage Insurance Services’ ability, we have done everything he can to ensure that the insurance rate information contained in any insurance rate quotes is up-to-date and accurate. However, accuracy cannot be guaranteed.

In the event that there is a discrepancy between the information contained in the insurance rate quotes, and any insurance company-authorized illustration and/or policy, the policy shall govern.

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All of the information and content on this Web site, including but not limited to all text, graphics, images, software applications and code, and user interface design (“Content”) is the property of TermAdvantage Insurance Services, Inc. or its affiliates, or is being used by TermAdvantage Insurance Services, Inc. with the express permission of a licensor, and is protected by United States and copyright laws and conventions. You may not modify, reproduce, copy, distribute, transmit, display, publish, download or upload, sell, license, create derivative works of or use any aspect of the Web site or its Content for commercial or public purposes or for any other purpose not expressly permitted by these Terms and Conditions. The use of the Content on any other Web site or in a networked computer environment for any purpose, or any other republication, redistribution or use of the Content, including, without limitation, framing the Content within another Web site, is expressly prohibited without the prior written permission of TermAdvantage Insurance Services, Inc.

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Trademarks
The trademarks, service marks, logos, URLs, and domain names, registered or not, including without limitation “TermAdvantage” and the (“Marks”) appearing on this Web site are the property of TermAdvantage Insurance Services, Inc. and other parties. You may not use, copy, download, display, transmit or modify any Mark in any way without the prior written consent of the owner of such Mark. You may not include the TermAdvantage name, any Mark or any variation of the foregoing, as a metatag, hidden textual element, or any other indicator that may create an impression of affiliation, sponsorship, endorsement, or any other relationship between this Web site and any other Web site, person, entity, or organization.
From time to time, TermAdvantage Insurance Services, Inc. may provide links from this Site to a non-TermAdvantage Web site or permit a link from a non-TermAdvantage Web site to this Web site. Such links are for your convenience only and do not imply any affiliation with, or an endorsement, authorization, sponsorship or promotion of the non-TermAdvantage Web site or its owner. TermAdvantage does not control or review any link, and accepts no responsibility for the content, products or services provided at these linked Web sites. If you decide to access such non-TermAdvantage Web sites, you do so solely at your own risk and you should be aware that non-TermAdvantage Web sites are governed by their own terms and conditions and privacy policies.

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Legal Disclaimer Updated 05/01/07.

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TermAdvantage's Privacy and Security Guarantee
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BBBOnline Privacy

At TermAdvantage Insurance Services, Inc., your privacy is of most importance to us. We are a member of the Council of Better Business
Bureau’s BBBOnLine Privacy Program, and we have made a commitment to meet the programs’ strict requirements regarding how we treat
your personal information. TermAdvantage has always been committed to protecting our customers privacy. It will continue to be a top
priority for us in the years to come. You can verify our commitment by visiting the BBBOnLine at http://www.BBBOnLine.org.

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Information Collection

Why we collect information and how it is used ?

Questions asked on our site are for the sole purpose of determining which insurance carriers, as well as which product, best suits your
specific insurance needs. The more we know about you, the better we able we are to accurately match your health profile to company
and policy that is best for you. We ask general health questions, family history, and lifestyle, questions, as well as contact information,
for our licensed representatives to review. Our licensed representative will either email or call you to verify the information you
submitted for the sole purpose of providing you with the most accurate information.

Should you have any questions whatsoever regarding the personal information submitted to TermAdvantage, please call us at
1-888-360-TERM or e-mail us at [email protected].

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Information Use and Disclosure

Does TermAdvantage sell my personal information to other companies?

No. The information gathered is for the sole purpose of qualifying you for a term life insurance policy. TermAdvantage never provides
the personally identifiable information of our clients to third parties for marketing purposes.

When does TermAdvantage provide my personal information to insurance companies?

The only time that your personal information is disclosed is when you authorize us to begin the application process with the company
of your choice. At that time we will send you the formal application for you to review and sign. The signed application will authorize
us to release your information to the insurance company.

How will the insurance companies use my information once I authorize its release?

The information that you provide is used in strict accordance with the disclosures and releases that must be reviewed and signed by you.
Your information is used for the sole purpose of qualifying you for the term life insurance policy that you are applying for. Where
permitted by law, your information may be used to request medical records, driving records, or credit history from a third party. These
records are used for underwriting purposes only. Again, you must sign an authorization form to have this information released to the
insurance company. These authorizations will be included in your application.

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Security

What security devices are in place on TermAdvantange.com to protect my personal information?

TermAdvantage uses a leading provider of internet security technology, Thawte, to encrypt all information submitted on
TermAdvantage.com. This means that all information you provide on our site is encrypted using SSL (Secured Sockets Layer).
TermAdvantage has always been committed to protecting our customers security. It will continue to be a top priority for us in the
years to come. You can verify our commitment by visiting Thawte.com. The Thawte digital certificate can be found on the home
page of TermAdvantage.com, or to learn more about Thawte’s security technology, please visit http://www.Thawte.com.

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Cookies

Does TermAdvantage use “cookies”?

Yes. TermAdvantage Insurance Services, Inc. may assign your computer browser a unique random number known as a “cookie”.
Cookies enhance security by allowing TermAdvantage to identify you should you wish to access your personal profile upon
returning to our Web site. We believe that this enhances your experience on the TermAdvantage Web site, and allows us to provide
the most relevant and helpful information for you. Cookies also allow the site to display the proper pages and forms appropriate
to your profile. However, should you prefer to reject cookies, you can set your browser to refuse cookies. The TermAdvantage
Web site will not function properly when cookies are disabled. By accepting a cookie from TermAdvantage.com, you are in no way
compromising your privacy or security.. We do not use cookies to collect any personally identifying information, and a cookie
cannot read data from your computer’s hard disk or read cookie files from other Web sites.

***TermAdvantage uses pixels, or transparent GIF files, to help manage online advertising. These GIF files are provided by our ad
management partner, DoubleClick. These files enable DoubleClick to recognize a unique cookie on your Web browser, which in turn
enables us to learn which advertisements bring users to our Web site. The cookie was placed by TermAdvantage, or by another
advertiser who works with DoubleClick. With both cookies and Spotlight technology, the information that we collect and share is
anonymous and not personally identifiable. It does not contain your name, address, telephone number, or email address. For more
information about DoubleClick, including information about how to opt out of these technologies, go to
http://www.doubleclick.net/us/corporate/privacy.***

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The TermAdvantage Web site contains links to other sites. We encourage you to be aware when you leave our Web site and to read
the privacy policies of every Web site that collects personally identifiable information about you, whether the site is co-branded with
TermAdvantage Insurance Services, Inc. or not.

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Enforcement

You may enforce the limitations imposed on TermAdvantage by applicable federal law with respect to the collection and disclosure
of personally identifiable information about you. You may do so through a civil action under federal law, in addition to other rights
and remedies that may be available to you under federal or other applicable laws.

If you have any questions regarding our Privacy Policy, our Web site, or any other aspect of the services we offer, please call us at
1-888-360-TERM or e-mail us at [email protected].

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Communications from TermAdvantage

By providing TermAdvantage Insurance Services, Inc. with your telephone number, name or e-mail address on the quote request page
at our Web site, you grant TermAdvantage permission to call or e-mail you regarding your quote. Your information will only be used to
contact you to determine whether you would like to begin the life insurance application process. It will not be used for any other purposes.
If at anytime you choose not to receive phone calls or e-mails from TermAdvantage Insurance Services, Inc., please e-mail us at [email protected], or call us at 1-888-360-TERM.

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Notification of Changes to Privacy Policy

If we change this Policy materially or otherwise, we will post those changes on the homepage of the Service Web site, or in other places
we deem appropriate so our customers are aware of what information we collect, how we use it, and under what circumstances, if any,
we disclose it. We will use your personally identifiable information in accordance with the Privacy Policy under which the information
was collected. We will do so until you provide your express consent to use the information under the terms of a revised Privacy Policy
or applicable law provides otherwise.

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Contact Information

If you have any questions or suggestions regarding TermAdvantage’s Privacy Policy, or wish to contact someone about your personal
information, please do not hesitate to contact us. TermAdvantage Insurance Services, Inc. is always here to assist you with all of your
term life insurance needs. Contact us at your convenience by using any of the following:

Email: [email protected]
Phone: 1-888-360-TERM
Fax: 1-256-881-1064
Web site URL: http://www.termadvantage.com/contact_us
Mail: TermAdvantage Insurance Services, Inc.
Attn: Customer Care Department
276 Wynn Haven Circle
Scottsboro, AL 35769

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Privacy Policy Updated 10/30/07.

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Money-Back Guarantee

When shopping with TermAdvantage, you have the comfort of knowing that your policy is a risk-free, no-obligation purchase. Your satisfaction is 100% guaranteed. Even after you have purchased your policy, if you are not satisfied for any reason, you may return the policy for a full refund of any premiums paid within the first 30 days of issuance (depending upon your state). This is our Free-Look Guarantee to you.

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