About Us

Terms4Less was founded in 2004 by Caroline Andresen to help consumers with their life insurance planning needs. We work WITH the all top insurance companies in the nation but not FOR them - that's a big difference as our clients come first. This gives us the flexibility to listen to our client’s needs so we can solve the problems they are facing.

Terms4Less is an independent life insurance broker - that means that our quotes are unbiased. Many agents are what are called “career agents,” because they work for a particular insurance company. By and large, their duty is to sell the products of the ONE carrier that is “housing” them. So generally, they are only going to show you products from that company. 

What does that mean for you? 

Their hands are tied – they simply can’t give you access to the full range of choices available. So you could be missing out on a great rate and never even know it. Without the pressure of satisfying a sales quota, we are free to give professional advice based on what is best for YOU in your current situation. We are committed to understanding the situation that you are in and what insurance is best for your needs.

Pricing varies among life insurance companies, so there’s NO single company that can necessarily deliver the best values in every case. By comparing rates from many different insurance companies in all categories, we can help you find which carrier can provide the most value for your money. Most local agents aren’t paid to do that, so they’re not going to spend the time to find you the best values in the marketplace like we do here at Term4Less.

We are based in Exton, Pennsylvania so we are glad to meet you in person if you are local otherwise feel free to email us with any questions at contact@terms4less.com or call me directly at

484-919-5423

We are dedicated to our customers and proud of our relationships with the companies we represent. Nothing makes us happier than hearing that we have met or exceeded our clients’ expectations.

Caroline also founded Retirement Portfolio Solutions to help clients achieve their retirement goals.