Month: November 2009

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Life Insurance in the Internet Era

A few months ago, as my wife and I were reviewing some of that “important” stuff, we realized that it was time to update my life insurance coverage. Based upon our current situation and our changing needs over the last few years, I needed to ditch the policies we had and pick up some new term coverage.

Now… I’ve heard the radio ads from the “big guys” promoting their websites… and I’ve also done some price comparison. And even though I wanted to handle the transaction online (as much as possible), there’s something reassuring about knowing that there’s a real agent on the other end of the website that you can get on the phone if you need to talk. My term life insurance is probably not the last thing I’ll need from an independent agent, so building a relationship (much like the old-school hometown insurance agent we all grew up knowing) seemed like a good idea. But I still wanted the convenience of instant online quotes and a transaction that didn’t eat up huge amounts of my time.

TermDog.com - the website I used
TermDog.com - the website I used

For all of those reasons, I chose to go with TermDog.com. Even though they’re not based here in Florida (HQ is in Naperville, IL), TermDog is licensed to sell insurance in a number of states. Mike Fry and his team have done an outstanding job of providing a very high level of service. Here’s what my experience was like.

  1. I went to the TermDog site and played with the online quote generator. It’s easy to find, as they’ve stuck it on every page of the site. After playing with a few parameters, I found the approximate level of coverage I could buy and still fit my budget. In my case, I needed more than $500K worth of coverage, but wanted to spend less than $50/month.  Within just a couple of minutes, I had settled on a $750K 20-year policy and got the process started. (I liked the fact that even though I was giving the website enough information about me to generate a quote, I wasn’t asked for my real name or e-mail address until I was pretty sure I wanted to move forward.)
  2. Within a day or so after submitting the quote, I heard back from Michael Fry. He needed to ask a few more questions, which only took a few minutes on the phone.
  3. A few days later, a package arrived containing the life insurance app from the company that Mike had determined would probably be the best fit for me. It’s been quite a while since I bought life insurance, and I must say the length of the application surprised me. But after checking around a little bit, I’ve found out that that’s the new “normal.”
  4. I actually dragged my feet getting the app filled out (did I mention I wanted to spend as little time on this process as possible?). Thankfully, Mike gave me a couple of gentle reminders. I truly don’t like being harassed, and Mike kept me from forgetting about it without being even remotely annoying.
  5. I had the option of scanning and e-mailing the app, faxing it, or mailing it. Ultimately I opted to drop it in the mail because it feels more likely to keep my information secure. Arguable, I realize. But I needed to send a check for the first month’s premium as well as a voided one for the automatic draft, so it made sense just to do it all at once.
  6. After reviewing my app, Mike did me a favor. There were a couple of characteristics about my situation that didn’t match up perfectly with the original company he had in mind, and he’d also had a little bit of difficulty with that particular company. So… he and his team completed a new application for me using the information I’d provided on the first one and they e-mailed it to me already ready to sign. Nice huh?
  7. From there, I faxed in the signature pages from the newly completed app (just for speed).
  8. In no time, I was getting phone calls from a local company here in town who handled the health screenings. They were easy to deal with and even had a location 5 minutes from my house. They took blood, weighed, measured, poked and prodded… all the usual stuff. I was fully prepared for the experience because TermDog had e-mailed me a list of what to expect. A very nice touch.
  9. Within a few days, I received a call that my policy was on its way… and the premium was lower! Evidently my health screening results put me in a different category on the actuarial tables. And that saved me 20%. When was the last time somebody quoted you something and then sold it to you for less?
  10. I had to sign the policy and drop a check in the mail (made out to the new company). Nothing to it. I’m now insured.

The  Bottom Line

The whole experience was virtually ideal. I’m very busy and didn’t have time to visit an agent’s office and spend a lot of time on the phone. With TermDog’s online quoting, I was able to make my own decisions about the level of coverage without being pressured by an agent. Once I had decided to move forward, they handled the whole process very professionally and expediently. I not only highly recommend TermDog, but I plan to use them for future insurance needs.

For the record, I’m not being compensated or otherwise rewarded for telling you about this. I realize some bloggers get paid to express opinions. That’s not the case here. I’m absolutely a TermDog fan. You will be too!

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“Caught in the Net” at the Golden Apple Dinner Theatre

Sometimes, you just need to laugh and enjoy yourself. And when that time comes, there just isn’t anything better than good food, the company of good friends, and a British farce to do the trick. So when we got word from some friends that a plan had been formulated to take in “Caught in the Net” at the Golden Apple last Friday night, we jumped on it right away.

My wife and I love the Golden Apple. To us it is a “known” in a world of “unknowns.” You can always expect to be treated well, enjoy a good meal, and sample some of the very best local talent (and in a community like Sarasota where local talent is off the charts, that’s saying something!).

However, we knew nothing about the play that was on deck for the night we were scheduled to go. Nothing, that is, except that it’s a sequel to the other production that the theater is currently presenting in rolling repertory. In fact, we’d received a strong “hint” from theater staff that we should really see the other one (“Run For Your Wife”) first.

But… schedules are tricky, babysitting arrangements even more so, and it’s just too hard getting together with these two couples — people whose friendships are measured in decades rather than years, and who we just don’t see often enough.

So… we went for it anyway.

And boy are we glad we did!

“Caught in the Net” is a brilliantly-written play by Ray Cooney that takes place (according to the program) 17 years after the events of “Run For Your Wife.” Set entirely within the living quarters of two separate households (which happen to share the same space on-stage), the fast-paced opening scene quickly introduces the audience to the two families at the center of the unfolding drama. Think of it like a smartly-produced split-screen film segment… for the the stage.

As the scene unfolds, we quickly learn that the teen-aged boy from one family has “met” (online) the teen-aged girl from the other. And as they compare notes, they discover that not only do their fathers share a first, middle and last name, but also that — irony of all ironies — each has a cab driver for a Dad.

Even for those of us in the audience that had not yet seen the first play, it didn’t take long for us to figure out where things were going. Mr. John Smith, it seems, has been keeping up two families for the better part of two decades… and while working hard to keep his secret well-hidden, the determined young teenagers are about to be the undoing of it all. And that, of course, is where the tension begins for Mr. Smith, and where the fun starts for the audience.

The play is a hilarious romp through the chicanery of deception as John Smith and his sole confidante — a somewhat dim-witted boarder living with one of Smith’s two families — try to hold it all together.

No spoilers here — the play is a must-see, as is (I’m quite certain) it’s counterpart. The cast was nothing short of spectacular, and even managed to convince most of our party that their British accents were all authentic. Cliff Roles was brilliant in the role of Stanley Gardner (the boarder), and was — we discovered — the only cast member hailing from the British Isles and thus, the only with an authentic accent. Heidi Davis and Leigh Anne West were strong in their roles as the two Mrs. Smiths, opposite Ernest Weldon as the harried Mr. Smith. Of special delight were the two youngest members of the cast: Geena Ravella as the teenage daughter and Colton Herschberger (on the night we attended) as the teenage son. And Richard LeVene provided lots of comic relief as Stanley’s outspoken and quite senile father.

To round out the experience, dinner was fabulous as always. We helped ourselves to plenty from the buffet, where I personally enjoyed the delicious roast beef and some excellent mashed potatoes. The broccoli was quite good as well. The special treat, of course, was the dessert. My wife opted for a gooey pumpkin cake before curtain time, while I chose to have the chocolate torte arrive at intermission.  Since they were spaced apart, we ended up splitting both, and they were delicious.

All in all, it was a fabulous night out with favorite friends. I highly recommend that you treat yourself to an experience at the Golden Apple with the Turoff family and their top-notch team. You might just run into us there catching “Run For Your Wife!”