The availability of quotes for life insurance online makes the
purchase of life insurance a more educated decision than had you called
in an agent to give you a quote.
Why on earth would a former life insurance agent say such a thing?
When you examine life insurance online you have the opportunity to examine varying types of life insurance in varying amounts with no penalty or obligation.
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If you were buying from an agent...of course s/he has the
information...but is s/he going to spend the time to go through the
details of many and varying types policies to get a sale unless it is a
very large policy...I don't think so.
This would take hours. What a good agent does is to ask you a series of questions with the intention of discovering what type of insurance you really are interested in then they show you the details on the policy you desire in the amount you want.
When you shop online for life insurance you can look at
term life insurance
in any amount you think of...carefully examining each type of term insurance policy. You can do the same with
universal life policies.
You can take all the time you need.
When you are ready and have a pretty good idea of your needs and the type of insurance you want you call in the agent. You are ready and s/he can fill in any additional information you may want to know about.
In some cases the life insurance company offers you the policy online. You can actually buy your life insurance policy online. There are, however, some limitations to the amount you can get in this way.
While you are doing your shopping please bear in mind that too
much study of the details can cause you to go too long before making
I have seen people who lose out on a low and preferred premium rate by waiting too long to make a decision. I urge you not to let that happen to you. If you are ready to examine life insurance online click this link.
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Term life insurance is life insurance in it's simplest form. These policies stay in force for a specific number of years, for example, 5 years 10 years etc.
Whole life insurance is the plan of choice for many people. There are many variations to this plan.
Universal life insurance was designed with the express intention of combatting the venerable whole life insurance policy.
Are you looking for quality term insurance quotes? Have you determined how much you need? Do you know what type of term insurance is best for you?
In many cases it is a good idea to buy term insurance online. Some people know just how much life insurance they want to buy before they get online.