It has become common practice to get free life insurance quotes
on the Internet and to buy your life insurance right there and then in
This has been going on for a while now but everyone seems to be getting involved now. As people tend to get free life insurance quotes the life insurance companies have been forced to jump on the band wagon...even the big ones. The customer really calls the shots.
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Some have argued that the
life insurance agent
will eventually become extinct. This may be so but not in the near future.
If you know how much life insurance you need you can go to your computer, get your free term life insurance quotes and, in some cases, apply for your insurance online. If you need a Capital Needs Analysis done you will likely need an agent...
Qualified life insurance agents are still needed for "pensions
and profit sharing" cases or for group life or health policies.
If you have a fairly large estate and you want to know how much estate taxes you would need to pay if you died within a specified period of time you may need the assistance of a qualified life insurance agent...
In most other situations you can request you free life insurance quote online. Many companies will then send you an agent if you should so choose. Some companies, even the bigger and better ones, do allow you to make your purchase online.
It used to be that you could only get
term life insurance online
. These companies offered the 5 year term, the 10 year term, the 15 year
term, the 20 year term, the 25 year term and the 30 year term.
Now you can get free quotes on just about any term life insurance policy as well as some permanent life insurance policies. Here are brief descriptions of some of them.
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Death proceeds from 10 year life insurance can be in lump sum form or incomr form
The 5 year term life insurance policy has been around in insurance circles for a very long time. It can be sold as a policy or as a rider to a permanent life insurance policy.
The 20 year term insurance policy is one of the most sought after life insurance policies.
Take a look at 20 pay life insurance. Most people know that you buy whole life insurance if you want to be covered for the rest of your life even if you live to age 100.