212-695-7495 info@camlife.com

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Online Quoting Tool & Needs Analyzer

  • How Much Insurance Do I Need?
  • What Product Should I Buy?
  • Which Carrier Should I Buy From?

 

These are common questions we hear from our clients as they look to secure financial protection for their business or family. As independent advisors, we work with 40 A rated insurance carriers to help you identify the best value. 

Our Process:

  1. Your Needs First: It all begins with you! Based on your specific objectives, we will help you evaluate the coverage amount needed today and how that need for coverage could change over time.
  2. Portfolio Design: We will help you structure term and or permanent insurance to meet your needs today and adjust for those changing needs over time.
  3. Your Fingerprint:  Each insurance carrier has different underwriting requirements. For example, some carriers are more liberal on Height/Weight and others more liberal with family history of cancer or heart disease, etc. Our internal underwriter Jennifer will identify the most liberal health classification based on your specific health history and family history. 
  4. Cost Transparency: Rates are filed with the department of insurance in your resident state based on health classification (Preferred Plus, Preferred, Standard Plus, Standard or Sub-Standard). Based on your specific health profile, we will pull the rates for the carriers that fit you best.

 

Sample Rates:

Looking to get a head start on sample pricing? Click the button below to run your own quotes for various term durations from multiple insurance carriers.

Click Here

How Much Do I Need?

Our experts are here to guide you through the calculation process to secure the amount of coverage to meet your specific needs. We utilize Human Capital Replacement, Income Replacement Needs and Estate Planning calculators. Want a self-help tool to start? Click the button below to run an Income Replacement Needs Analysis.

Click Here 

We Always Do the Right Thing

As an independent advisor, we sit on your side of the table to provide objective guidance.

We Make It Easy

Life insurance is a complex financial tool but we can help take the guesswork out of the process. We can help you find the best value and answer all your questions.

Family Oriented

As a Cambridge client, you become part of our family and will have access not only to a dedicated service team but also a direct line to our company owners. Our goal is to give you peace of mind to know that your loved ones are adequately protected.

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Arthur Grutt