The best place to buy is with a trusted independent agent that represents multiple companies to shop on your behalf for the best rate for your unique situation. Be careful shopping online. Most web quotes are given at the best preferred rate which only about 5% of the population can qualify for and it is roughly half of the standard rate which 65% of the population qualifies for.
Nearly all life insurance must be purchased through the intermediary of a life insurance agent. Becoming an agent requires studying approved materials, passing a test, and taking ongoing continuing education. It required adhering to a code of ethics and abiding by many industry regulations. A good agent will also be honest with you and help you wade through the myriad of choices to find your best product and price for your needs.
Good life insurance agents can be found online or in offices.; in fact, many agents sell both in an office and online. You can read their bios, testimonials, and privacy practices to get a feel for who to trust. Then call them. Quote engines can give you an idea of your premium, but accurate quotes almost always require some back and forth conversation (even if by email) to determine if you qualify for that rate.
President, The Firm of Steven H. Kobrin, LUTCF, 6-05 Saddle River Rd #103, Fair Lawn, NJ 07410
The world is full of places to buy life insurance.
Take a walk from your home down to your local business district.
You will probably pass your landscaper. There are some companies that employ laborers, clergymen, and folks in all walks of life as part-time insurance agents.
Drop into your bank. In all likelihood they have somebody trained to sell the product.
Stop off by your stockbroker. Same thing.
Want to have a cup of coffee with your accountant? She could very well be licensed to sell life insurance, or affiliated with a brokerage that does.
Perhaps you want to drop into your local retail chain. They could be hawking policies.
Come back and check your mail. Probably some offers there. Log onto the Internet. You could choose from hundreds of websites from dozens of marketing companies.
It seems rather far-fetched, doesn’t it, that all these various people could really have the product knowledge, underwriting expertise, industry contacts, marketplace experience, and professionalism needed to satisfy their clients?
The good news is that the life insurance salesperson is available to work with you. This person has the special skills needed to help you make an intelligent choice about this very special product.
When you make the right choice, your entire financial portfolio has a firm foundation. When you make the wrong choice, the whole portfolio can collapse.
There’s a lot at stake when you buy this product. That is why you need the best possible advice and counsel you can get.
.JPG){kind=avatar}
Good life insurance agents can be found online or in offices.; in fact, many agents sell both in an office and online. You can read their bios, testimonials, and privacy practices to get a feel for who to trust. Then call them. Quote engines can give you an idea of your premium, but accurate quotes almost always require some back and forth conversation (even if by email) to determine if you qualify for that rate.
Take a walk from your home down to your local business district.
You will probably pass your landscaper. There are some companies that employ laborers, clergymen, and folks in all walks of life as part-time insurance agents.
Drop into your bank. In all likelihood they have somebody trained to sell the product.
Stop off by your stockbroker. Same thing.
Want to have a cup of coffee with your accountant? She could very well be licensed to sell life insurance, or affiliated with a brokerage that does.
Perhaps you want to drop into your local retail chain. They could be hawking policies.
Come back and check your mail. Probably some offers there. Log onto the Internet. You could choose from hundreds of websites from dozens of marketing companies.
It seems rather far-fetched, doesn’t it, that all these various people could really have the product knowledge, underwriting expertise, industry contacts, marketplace experience, and professionalism needed to satisfy their clients?
The good news is that the life insurance salesperson is available to work with you. This person has the special skills needed to help you make an intelligent choice about this very special product.
When you make the right choice, your entire financial portfolio has a firm foundation. When you make the wrong choice, the whole portfolio can collapse.
There’s a lot at stake when you buy this product. That is why you need the best possible advice and counsel you can get.
The people in my profession provide it.