Oct 06
Where to buy life insurance
When shopping for term life insurance, you have the option to buy from a variety of sources. However, some sources will offer you better rates based on what and how many life insurance carriers they represent. Be sure to explore all of your life insurance buying options before making a financial commitment.
Following are three ways to buy life insurance:
- Through an agent or financial adviser – Talking to a licensed life insurance professional in person helps some consumers make the right financial decision for their families. However, most independent agents only represent one or two life insurance carriers, so you probably won’t get the best value possible if you’re only able to compare a couple of rates. The most important thing to remember when buying life insurance from an agent is the need to find someone that you trust with your family’s financial situation.
- Through your employer – Many employers offer life insurance benefits, so check with your provider to see how much you qualify for. But although many employers offer some life insurance coverage for employees, it’s usually not enough to cover your actual needs. Experts recommend having 10 to 15 times your annual salary in life insurance, so make sure you don’t depend solely on a group policy if you’re offered less.
- Online – If you understand the basics of life insurance, and you have a good idea of what type and how much coverage you need, buying online is probably the best way to get affordable life insurance. Licensed life insurance agents at online multi-carrier brokerage firms, like AccuQuote.com, can compare life insurance rates with dozens of top-rated life insurance companies – saving you time and money.
To get a free term life insurance quote from a company you know and trust, go to AccuQuote.com to quickly and easily start the application process. And, if you’re a life insurance novice, AccuQuote.com offers a plethora of resources to help you learn and plan for your financial future.
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October 8th, 2009 at 11:13 am
If you are just starting your search for life insurance you may want to visit a life insurance website to learn about the different types of coverage.
However, make sure you speak with a licensed agent when buying your life insurance policy so you can get all of your questions answered.
You can shop and compare life insurance quotes online to help you find cost comparisons to get an idea of how much your life insurance may cost – it usually takes a few minutes.