About the Author
Norlyn Dimmitt, FSA, CEO of ExamFirst Inc.

I've been a life insurance actuary since 1985. During my tenure at Zurich Life (1993-1995), I promoted, designed, and priced their Super Select Term policy, which unfortunately helped propel the term industry into its current chaotic state, with a proliferation of risk classes, rampant misquotes (because so few qualify for the lowest rates), and increased customer dissatisfaction.

I founded ExamFirst Inc. in July, 1999. It is an enormously difficult undertaking, an effort to change the entire term delivery paradigm, by allowing customers to get underwritten BEFORE they apply to a term company. By taking their "ExamFirst", misquotes would be dramatically reduced, and policies could be issued much more quickly.

In addition to continuing my campaign for industry reform, I've recently begun raising public awareness about the "misquote travesty". This article one in a series of articles that will eventually compel the life insurance industry to put its customers first.

A final comment. InsWeb and InsureMarket each have vastly more funding than InsuranceGuide.com has, and as one consequence of that they've built lots of useful content that is praiseworthy (read James Moore's glowing comments at www.insurance.about.com). I didn't feel the need to expound on that, because readers can check it out for themselves, and because the point of my article is to guide term buyers to the website that will most likely get them the term policy that is right for them. I'll let other sites convince you that term is better than universal life or whole life, help you calculate the amount of insurance that you really need, or otherwise inform you about term life insurance in general.

I may be reached at NDimmitt@ExamFirst.com