How to Find Quickly Best Term Life Insurance Quote?
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3 Responses to “How to Find Quickly Best Term Life Insurance Quote?”
Term rates are extremely competitive. You won’t find a premium difference great enough to make it worth shopping.
It’s MUCH more important to find coverage that fits your objectives. For this, you need to consult with a properly qualified financial advisor or planner (NOT an insurance agent).
And remember, term is rarely the most cost efficient choice if the insurance need is longer than 20 years. Depending on your situation and goals, term may not be appropriate at all. You need a thorough financial analysis. Many advisors will do this for you at no cost.
Call some local agents. Start with the one that carries your auto insurance or homeowners. Stick with the big companies, New York Life, Met Life, Farmers, State Farm, Allstate, ect.
They all give free quotes. And, you can get some free advice along the way too.
go to term4sale.com to get an idea of rates.(I am not affiliated with them in any way)
Then talk to an INDEPENDENT agent that will guide you to the best carrier for you. Price is only one factor when choosing. Your health history can drastically affect your rate.
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October 13th, 2009 at 3:00 AM
Term rates are extremely competitive. You won’t find a premium difference great enough to make it worth shopping.
It’s MUCH more important to find coverage that fits your objectives. For this, you need to consult with a properly qualified financial advisor or planner (NOT an insurance agent).
And remember, term is rarely the most cost efficient choice if the insurance need is longer than 20 years. Depending on your situation and goals, term may not be appropriate at all. You need a thorough financial analysis. Many advisors will do this for you at no cost.
October 13th, 2009 at 3:00 AM
Call some local agents. Start with the one that carries your auto insurance or homeowners. Stick with the big companies, New York Life, Met Life, Farmers, State Farm, Allstate, ect.
They all give free quotes. And, you can get some free advice along the way too.
October 13th, 2009 at 3:00 AM
go to term4sale.com to get an idea of rates.(I am not affiliated with them in any way)
Then talk to an INDEPENDENT agent that will guide you to the best carrier for you. Price is only one factor when choosing. Your health history can drastically affect your rate.