Oncor Insurance Services is a national sales and insurance marketing agency specializing in mortgage protection insurance and term life insurance products. SmartTerm.com is an online multi-carrier life insurance sales solution with Call Center and agent support. Our service provides the customer with side-by-side product comparisons and values thus reducing compliance risk and increasing suitability. Oncor is known for providing best in class products, competitive premiums, personal quotes and illustrations, advanced technology, dependable delivery, quality and pressure free service. We continually survey the insurance industry to determine which companies offer competitive premiums. To assure quality, we only represent well-established and highly rated insurance companies. Oncor Affinity Programs apply our expertise and technology from our direct-to-consumer approach to our business partners. Together, our turn-key operations and fulfillment provide a low cost, flexible and easy to deploy and proven formula to drive financial results for our partners and their clients.