Principal, LifeNet Insurance Solutions, Redmond, WA
There are many different opinions and options for this question. You can go to one of the many quote sites that will give you an idea of cost, however life insurance is one of those subjects wihich many people think they understand well, but don't. Find an agent that you trust, either from a friend or through your own research. A good agent will give you options to consider that you may be unaware of, and you can benefit from that expertise without cost.
That is an excellent question! These days, everybody searches on the internet for things, and you could do that for insurance, but I wouldn't, and here's why. Most internet sites are going to give you a "quick quote", based upon the best case scenario. In a great many cases, that "best rate" won't in truth apply. It's legal, because it COULD apply, but misleads many people to believe that would be their price.
I seriously recommend that you search the internet for local independent agents, and then talk to a couple of them personally. Once they know a little bit about you, they can give you pretty accurate quotes from several companies, and let you see the differences between them. You want this person to be someone that you form a relationship with, to be there for you when there is trouble, and I'm not sure an internet site can do that as well as a live body can. Give that a try, okay? Thanks for asking!
Even though this is what I do for a living and may sound self serving, I would use an independent life insurance broker. Yes, you can get quotes and buy online anytime. However, everyone has a unique situation and an experienced broker knows the little tricks of the trade about how policies are underwritten by certain carriers. This information is not on anyone's website. It takes experience to know which carrier will give non tobacco for an occasional cigar smoker or who has the most liberal height/weight chart or who will consider standard for controlled diabetes. Don't guess be sure. The family you are gambling with is your own.
The best way to shop for cheap life insurance rates is with an open mind. If you start out with the mindset that you will only take the lowest priced option, you could be setting yourself up for a lifetime of very high life insurance rates after your policy expires. A good agent will give you a number of options and tell you the pros and cons of each, so that you can make an informed decision. Whether you find that agent online or in an office makes no difference.
Life & Health Insurance Agent, The Tooker Agency, Riverhead NY
Using an independent agent can help ensure that you get the best life insurance policy possible for your budget. People often begin the life insurance buying process by getting quotes for low cost life insurance from a few different websites. This is a good way to do basic research and get an idea of what your life insurance policy might cost. But when it comes to making a decision to apply for life insurance, we find most people really want to talk with a professional who can answer their questions and help to make sure that they are choosing the best life insurance policy for their needs.
Sometimes cheapest is not always better. Remember, you get what you pay for. If you go to a website that only provides you with a few cheap quotes you may not be getting the best products available. Sometimes those sites are not kept current with changing products. What if you have questions or issues with the application or the insurance policy itself? In a lot of cases it is difficult to get in contact with a licensed agent to get those questions answered or the problems corrected. Generally speaking, it is the service work a particular agent provides the customer that makes the difference in these instances. Furthermore, your agent will be able to help you customize your insurance to meet your specific needs and budget. Your agent should be able to get a good foundation product for you. Then, you can add to it as your finances improve. Plus, your agent will be able to assist you with future decisions about your insurance portfolio as you reach other milestones in you life. A relationship with your insurance agent should be a life-long relationship that way he or she will be able to help with items after the initial purchase of the policy such as: possible loans, riders, and claims.
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I seriously recommend that you search the internet for local independent agents, and then talk to a couple of them personally. Once they know a little bit about you, they can give you pretty accurate quotes from several companies, and let you see the differences between them. You want this person to be someone that you form a relationship with, to be there for you when there is trouble, and I'm not sure an internet site can do that as well as a live body can. Give that a try, okay? Thanks for asking!