Life insurance is something that we all need and something that every financial expert will tell you to never do without. The key is to find the coverage that you need at a price that you can afford.
The hunt for insurance is something that can take up a lot of your extra time, which no one has these days. But if you had someone to do the work for you, to help you get a low cost term life insurance quote, you’d have it made.
The answer is your friendly independent insurance agent! As an independent insurance agent, he/she have access to multiple insurance carriers and therefore can get the best deal, because they don’t work for any one insurance company, they work for you!
If you’re still fairly young and not looking for too much coverage, you can probably get your policy without even having to get a physical. Now, there are some people out there, advertising that if you get your quote online, you won’t need a physical. That’s simply not true. Everyone is in the same boat when it comes to life insurance.
Getting a term life insurance comparison, from an independent agent, makes it easy for you to find the best company, with a name you trust, all at the best possible rate. It’s a winning combination!
You may also want to get a whole life insurance comparison, while you are checking and comparing. This way, you can weigh the differences, make the best possible choice and select the best low cost policy for your situation.
You may be wondering what kind of information you’ll have to provide. This is the easy part. You will need to give your name, address and a phone number where you can be reached.
You will also need to provide your date of birth and some brief health information such as if you smoke, your alcohol consumption, any health issues, etc.
If you are older, your rate will be different than if you were in your twenties. As you age, your rates go up. Fortunately, today there are a number of companies that offer policies tailored strictly to the needs of even senior citizens.
The best time to purchase any life insurance is at an early age. The chances are good that you will be able to get coverage without having to take a physical. If you do require a physical and health issues are found, your premiums will undoubtedly become much higher.
Certain health risks that you face as you get older, such as high cholesterol, blood pressure problems, etc. may not seem big to you now, but will definitely affect your insurance premiums in a bad way. It’s possible that the insurance company that requested the physical may even reject you for a policy, if they deem your health issues to be too much of a risk.
So, be smart, use an independent insurance agent and don’t wait!