That's a great question! You google "local independent insurance agents". Then work your way down the list until you find one you like. I am not a fan of trusting my financial future or the protection of my family to anyone that I don't know. If I have a problem, I want to know the person that will handle it, and who will be returning my call. I also know that internet sites are set up to give you "best case" prices when you shop, that can turn out to be different in reality. A live agent can give you an exact premium price, and details on any reasons why there might be difficulties in getting the best rate. I also am leery of hackers getting all of my information, and am not a fan of putting it out there in the cloud for the picking. There are a lot of things that are good to buy on the internet, but in my opinion, life insurance isn't one of them. Thanks for asking!
To shop for life insurance online, look for the following:
1) Are they rated with the Better Business Bureau and/or do they have any seals showing that they meet standards for safety (e.g. TRUSTe).
2) Do they have good testimonials that sound like they were written by actual people?
3) Can you look up the names of the employees who work there and see their photos and/or read their biographies?
4) Important: Will you be talking to a licensed agent?
5) Do they sell multiple products for you to choose from?
6) Do they ask health questions and appear to understand what you are talking about?
7) Are they able to draw on experience in finding your best options?
8) Will they take the time to answer your questions in a pleasant and respectful manner?
9) Do they explain the process of applying, payment methods, policy features, etc?
10) Will they be there for you if you need help with your policy in the future?
Many online agents are simply independent agents who have an online presence. They want to keep up with shoppers who prefer to use technology, rather than travel to an insurance office, or invite an insurance agent to their table for the evening.
Just looking at their bios and reading their answers, I'd go to any of the top 20 agents on the leaderboard, and maybe all of them. Most are articulate agents who know their stuff. This website is a great place to start in shopping for life insurance online.
Regional Marketing Director, Capital Choice Financial Group,
Well, you just get on the site, DIRT CHEAP INSURANCE. com and put in your information and then you will most likely get a call from a person that works for the site and it is usually not a licensed agent. This is not a good way to purchase life insurance for a couple of reasons. First, you have now agent to follow through for you in underwriting and this can make a big difference in getting the best rate. Secondly and maybe the most important an agent can determine the exact amount you need and the correct term.
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1) Are they rated with the Better Business Bureau and/or do they have any seals showing that they meet standards for safety (e.g. TRUSTe).
2) Do they have good testimonials that sound like they were written by actual people?
3) Can you look up the names of the employees who work there and see their photos and/or read their biographies?
4) Important: Will you be talking to a licensed agent?
5) Do they sell multiple products for you to choose from?
6) Do they ask health questions and appear to understand what you are talking about?
7) Are they able to draw on experience in finding your best options?
8) Will they take the time to answer your questions in a pleasant and respectful manner?
9) Do they explain the process of applying, payment methods, policy features, etc?
10) Will they be there for you if you need help with your policy in the future?
Many online agents are simply independent agents who have an online presence. They want to keep up with shoppers who prefer to use technology, rather than travel to an insurance office, or invite an insurance agent to their table for the evening.
Just looking at their bios and reading their answers, I'd go to any of the top 20 agents on the leaderboard, and maybe all of them. Most are articulate agents who know their stuff. This website is a great place to start in shopping for life insurance online.