Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com.

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Mar 19, 2020

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Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

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Where Should I Buy Life Insurance

If you are looking to buy life insurance, you have a variety of options to choose from when it comes to making your purchase. You should take the time to shop around using the online quote tool in order to find the best life insurance company for your needs.

Get free insurance quotes by entering your zip code into the rates tool now!

Such tools will connect you with solid insurers who can offer you the type of coverage you need. These help buyers make more informed decision.

Choosing One Life Insurance Company Over Another

When you get quotes for your life insurance needs, you will find that there are often several companies that are similar in price. In fact, if one company is significantly cheaper than everyone else, it should send up red flags for you. Check into the details of the policy and the company itself very carefully. There is likely to be something amiss.

To help you choose between the different quotes, you need to systematically check into the companies from which you are looking to purchase life insurance. Life insurance is something you hope to have for a very long time before it pays benefits.

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It is also more advantageous to take out policies when you are younger, as premiums will be significantly lower than they will be as you age. Because life insurance is such a long term commitment it makes sense to look carefully into the company you are considering using.

Contact your state department of insurance to find out about complaints made about the company you are considering. High complaint ratios are a bad sign, especially if the complaints are about payouts. You can also find out about the customer service of a company by doing an online search. Look for reviews and complaints about the specific life insurance provider. Expect to find some negative complaints about any insurer, but an abundance of bad reviews is a sure sign of trouble.

Another way to check out the life insurance company you are thinking of using is to get its independent insurance rating. This is a grade assigned by one of the independent insurance ratings companies and indicates how financially stable the company is and what its economic outlook for the future is.

You want to do business only with companies that are poised to be able to meet their current and future financial obligations. It is imperative that the company is able to pay out benefits due your beneficiaries when the time comes. Check with:

Before you choose to get life insurance with one particular company, be sure to compare price, available options, customer service and the stability of the insurers in question. By making a careful comparison of a variety of different companies, you will be able to feel confident that you have made the right choice for your life insurance needs.

Taking out life insurance is not something that one does often. In fact, in order to save money on life insurance, it is best to take out a policy as soon as possible and keep that policy. Therefore you need to take the required time to consider every aspect of this important decision before you invest in this significant piece of financial protection.

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Where Not to Buy Life Insurance

It is important to know that there are some places which will offer to sell you life insurance coverage, but they are not dedicated life insurance providers. Avoid purchasing life insurance through:

  • Your mortgage company
  • Credit card providers
  • Finance institutions that are not actual life insurance companies

While such companies do offer valid life insurance coverage, it will be very expensive compared to regular life insurance policy and will often be hard to collect. One policy should cover all your debts. Do not take out life insurance protection for specific debts.

Shopping for Life Insurance

It is easy to shop for life insurance when you use the free online quote tool. You simply need to start by putting in your zip code, and the tool will prompt you with a variety of questions that are relevant to life insurance rate setting.

You will be asked basic demographic questions such as age and marital status. You will also be asked questions concerning your health, height, weight and lifestyle habits that could impact your health. The remaining information that will be required includes the details about the type of policy you want, the duration and the level of coverage needed. The tool then submits your information to life insurance companies serving your area of the country.

In no time, you will receive quotes from companies that offer the types of coverage you are looking for. Because each company has its own individual set of underwriting guidelines, price quotes will differ. Therefore, shopping around for life insurance quotes is very important when you are looking at taking out this type of coverage that you will probably look for only a couple of times in your life.

Click on the life insurance quotes tool  by entering your zip code today!