We’re all in a hurry. But the old adage, “haste makes waste” really applies to buying Life Insurance.
For example, many people go to an online service to buy Life Insurance and balk at answering detailed questions about their age, gender, health, family health history and lifestyle. They want a quote now.
So they find a source that only asks a few questions, get some quick quotes, choose a Life Insurance company and sit back expecting everything to be fine.
Several weeks later, however, they often discover that the price they were quoted isn’t the price they’ll have to pay. Remember, quotes are simply estimates. And quotes based on very little information, are frequently wrong.
By spending 15 or minutes with your Life Insurance agent upfront to provide all the information he or she needs to give you an accurate quote, you can save weeks of time and frustration pursuing a price you won’t qualify for.
The pioneer in impartial, accurate quoting for Term Life Insurance —and by far the largest independent sales group— is SelectQuote Insurance Services. SelectQuote has nearly 100 experienced, licensed agents and will match you with your best prices from a wide range of highly rated Term Life Insurance companies. There is no cost or obligation for this service.
SelectQuote has exclusive videos of Suze Orman offering impartial advice on buying Life Insurance.
Showing posts with label SelectQuote. Show all posts
Showing posts with label SelectQuote. Show all posts
Wednesday, 12 December 2007
Tuesday, 11 December 2007
How to save money buying Life Insurance
The best way to save money on Life Insurance is to buy Term Life Insurance and shop around.
Term Life Insurance, compared with Permanent Life Insurance, is much cheaper. Most financial advisors recommend it because it offers the greatest protection to your family for the lowest cost.
Shopping around is important because different Life Insurance companies often have different prices for your Life Insurance “fingerprint.” Your “fingerprint” is made up of your age, gender, health, family health history and your lifestyle.
And your price could vary hundreds of dollars a year from one company to another.
The only problem is over 1,000 companies sell Life Insurance. And shopping even a group of them could eat up a lot of time.
Fortunately, there are independent companies that comparison shop for you. To make sure you get the most accurate quotes when talking to an agent:
· Make sure the agent asks detailed questions about your health, family health history,
occupation and hobbies.
· Ask why the agent recommends a certain company to you. What are your other choices?
· Ask what tools the agent used to arrive at your quotes.
The pioneer in impartial “comparison shopping” for Term Life Insurance — service and by far the largest — is SelectQuote Insurance Services. SelectQuote has nearly 100 experienced, licensed agents and will research a wide range of highly rated Term Life Insurance companies for your best rates at no cost or obligation.
SelectQuote has exclusive videos of Suze Orman offering impartial advice on buying Life Insurance.
Term Life Insurance, compared with Permanent Life Insurance, is much cheaper. Most financial advisors recommend it because it offers the greatest protection to your family for the lowest cost.
Shopping around is important because different Life Insurance companies often have different prices for your Life Insurance “fingerprint.” Your “fingerprint” is made up of your age, gender, health, family health history and your lifestyle.
And your price could vary hundreds of dollars a year from one company to another.
The only problem is over 1,000 companies sell Life Insurance. And shopping even a group of them could eat up a lot of time.
Fortunately, there are independent companies that comparison shop for you. To make sure you get the most accurate quotes when talking to an agent:
· Make sure the agent asks detailed questions about your health, family health history,
occupation and hobbies.
· Ask why the agent recommends a certain company to you. What are your other choices?
· Ask what tools the agent used to arrive at your quotes.
The pioneer in impartial “comparison shopping” for Term Life Insurance — service and by far the largest — is SelectQuote Insurance Services. SelectQuote has nearly 100 experienced, licensed agents and will research a wide range of highly rated Term Life Insurance companies for your best rates at no cost or obligation.
SelectQuote has exclusive videos of Suze Orman offering impartial advice on buying Life Insurance.
Tuesday, 23 October 2007
Can my Life Insurance rate be lowered after I have a policy?
Let’s say you were overweight when you first bought Life Insurance. Or you smoked, but you’ve quit for more than a year.
If you have resolved any health issue that pushed you into a more expensive Life Insurance rating group, chances are you can save money on your Life Insurance — especially Term Life Insurance. That’s because many Term Life Insurance rates have become cheaper than they were several years ago.
You can contact your present Life Insurance company and see if they will lower your rates based on proof of improved health.
But it ultimately might be easier to apply for a new policy. A different company may have lower rates for your current risk profile, so it’s a good idea to shop around.
The quickest, easiest way to do this is contact an independent company that sells Life Insurance over the phone or Internet and represents a range of highly rated Life Insurance Companies that specialize in insuring people with different risks.
At SelectQuote.com there’s no obligation for quotes and no salesperson comes to your door.
SelectQuote has exclusive videos of Suze Orman offering impartial advice on buying Life Insurance.
If you have resolved any health issue that pushed you into a more expensive Life Insurance rating group, chances are you can save money on your Life Insurance — especially Term Life Insurance. That’s because many Term Life Insurance rates have become cheaper than they were several years ago.
You can contact your present Life Insurance company and see if they will lower your rates based on proof of improved health.
But it ultimately might be easier to apply for a new policy. A different company may have lower rates for your current risk profile, so it’s a good idea to shop around.
The quickest, easiest way to do this is contact an independent company that sells Life Insurance over the phone or Internet and represents a range of highly rated Life Insurance Companies that specialize in insuring people with different risks.
At SelectQuote.com there’s no obligation for quotes and no salesperson comes to your door.
SelectQuote has exclusive videos of Suze Orman offering impartial advice on buying Life Insurance.
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