There are few places you can get life insurance so let’s talk about where you can get life insurance and what is the best place to get it. If I’m being honest, you can simply click on the quoter on the right and compare life insurance quotes with no personal information required. If you like what you see, you can pick a company that offers the best rate and request an application online. We will contact you at a time that suits you best and answer any questions you may have. At that point if you want to proceed with the policy we will apply with your chosen company over the phone and have the process done in 15 minutes or less. That’s the magic of working with the first online life insurance marketplace. But if you want to learn more about where to get life insurance, let’s discuss the few different avenues which you can pursue.
First of all you want to make sure you start your life insurance shopping online, and you already did given that you’re reading this sentence and have found this article. The next step would be determining who to work with. You want to get your life insurance from an independent agency (like us or preferably us because we are honestly the best). This way you can compare quotes online with all of the companies. However, a fair warning is that most websites that offer quotes are marketing agencies that will sell your information to call centers nationwide. We don’t ask for personal information so feel free to run quotes till your mouse breaks. But if you aren’t sold on us yet, let’s discuss that further.
Independent Life Insurance Agency or Agent
The best place to get your life insurance would be from an experienced independent life insurance agent/agency. The reason you should always work with an independent agent is because they can give you unbiased comparison and pick a company that would offer you the best rate on the market for a given amount of coverage. An experienced independent agent can also help you pick a company that would provide the most favorable rate for your specific situation. Let’s say you have a chronic illness or a dangerous hobby. Most life insurance companies will give you a higher rate due to this or possibly decline our coverage. An agent familiar with high risk cases will place you with a life insurance company that favors that risk. By the way, we also specialize in this so feel free to contact us to buy life insurance. But if you are STILL not sold, let’s discuss the other option.
Captive Agent/ Agency
Before you think you’re working with a prisoner of war, a captive agent is any agent that works for a company directly or represents only one company. For example, if you call MetLife directly to get a quote, you will be speaking with a captive agent who will give you a quote only for that company and nothing else. If you want another company you would have to call another agent that represents another company and keep doing that until you find the best rate. See how much time we save you? Not to mention you don’t save any money by working with a company directly because life insurance rates are fixed by law, that means all the comparison shopping we do for you is absolutely free for you! Basically, don’t work with captive agents, even if it’s your brother in law.
Things to Look Out For
One of the first things to look out for is an inexperienced independent agent or an unethical one. You don’t want to work with an agent that doesn’t know what he is doing for obvious reasons. Make sure your agent is transparent with you and shows you the companies that offer you the lowest rate. That can be done by running the quotes while online with an agent or screen share services that are absolutely free.
Just Call Us
If you’re still reading this it’s a little beyond me. Can’t you see how scary and confusing the world of life insurance is out there? If you’re wondering why InsureChance, well let me tell you. The first reason is we won’t bore you with outdated sales pitches that sound like a robot can read them. We simply offer our guidance and make sure we give you a product that best fits your needs. We also let you browse our website in peace without asking a billion personal questions for you to do so. Lastly, we care. We care about the well being of you and your family and we will make sure your needs are taken care of by offering lifetime customer support. The best part? This doesn’t cost you anything! So what are you waiting for? Hit the chat button if it isn’t too late, give us a call or request an application online. If you have any more questions, feel free to drop a comment below.
