Attention consumers: If you have not reviewed your life insurance
policy in a while you are probably grossly overpaying

Not to Worry… Now you May Be Able to
Lower Your Life Insurance Rate By Up to 75%!

Before you know it, you'll be planning how you are going to use the money you have saved!

From the desk of Vernon Williams
Friday Morning

Dear Consumer Friend,

Improvements in rates for term life insurance have plummeted over the last 15 years, according to the Insurance Information Institute.

Why?

1. technology used for determining who gets insured and at what cost (underwriting).
2. increased life expectancy.

Okay, you realize there is a good chance you can get low cost term life insurance at a much lower rate. Now what?

The obvious answer is to shop for a better price. I say “Shop” because rates for the same coverage can vary by as much as 50 percent among companies.

But even if you realize you are overpaying for life insurance, and decide to shop this poses several challenges because:

• There are almost 1900 companies that sell policies.
• It is impossible to know which companies offer the lowest price and best quality.
• If you wanted to compare prices with 10 companies you would have to call 10 agents.

This is where I come in.

I have partnered with a life insurance quote service. This allows you save money and time by getting instant online quotes for the low cost life insurance.

But first, who am I and why should you listen to me?

My "official" title is Cut Expenses Guru. That means I show you how to keep more of your money. (Pretty cool, huh?)

My journey into personal finance began in 1986, when my pastor asked me to develop a workshop to help church members develop and manage a budget. In order to learn how to do this I attended workshops provided by the late Larry Burkett, a well-know Christian financial counselor and trainer. I also read all of the literature on cutting expenses I could get my hands on.

For several years I conducted workshops in the evenings and on weekends, while working full time as a corporate executive. In 1994, I became a full time entrepreneur after being laid off from my corporate position. I continued to conduct budget workshops. I wrote my first book, 425 Ways to Stretch your $$$$.

In 2008, I wrote my second book, 3 Rules that Guarantee Financial Success.

I have:

• Served as a personal finance consultant to the National Healthy Marriage Resource Center.
• Presented at the 2008 Association for Financial Counselors and Planning and Education (AFCPE) Conference.
• Presented at the 10th Annual International Fatherhood Conference.
• Presented at the African American Health Marriage Initiative (AAHMI) Conference.
• Presented at the 2009 Northeast Strengthening Families Conference.
• Served as a trainer for the America Saves Campaign.

It wasn't so long ago that I was RIGHT where you are now.

I was overpaying for life insurance.

I had gotten a list of insurance companies and began calling them to make an appointment to come out and give me a proposal. Finally, I took out a policy with one of them. About 5 years later I realized I was paying too much. I repeated the same process.

In 2004, I found that there were insurance comparison services that would save consumers time and money by doing the legwork necessary to find the best term life insurance rate. I investigated a number of services. Once I was satisfied that I had found a reliable service that I could constantly rely on to deliver instant term life insurance rates from reputable insurance companies, I decided to make the service available to my clients.

If you¹re looking for a way to:

1. Save time

• Get instant online term life insurance quotes
• Compare term life insurance rates from top companies

2. Save money

• Have top life insurance companies competing to provide you cheap term life insurance

This insurance comparison service is exactly what you¹ve been looking for.

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