Life Insurance Quotes

Buying Tips For Term Life Insurance:

Before choosing a life insurance company (above), make sure:

Get more than one independent life insurance agent to help you, then choose between them. They will reduce your shopping time and help you with the application and keep each other honest
90% of all term life plans are expire and are never collected on. Make sure that you can handle life insurance premium payments and don't overextend yourself
Sign the life insurance application after you answer the questions completely. If you are younger and healthy, the company may not require doctors records
If you are older and have a medical history or want a substantial amount of life insurance, the company will almost certainly require your doctors records
Cancel your old life insurance policy only after you have been approved by a new company. Term life rates have trended down, so it might benefit you, especially if you stoped smoking and the old company won't reconsider your premium
Read your policy when it arrives. You have usually a 30 day right of refusal (free look) if you find something you didn't know about in the application
Discuss what your plan is at the tend of the term policy with your agent, if you are going to renew or convert to a whole life product. Also find out how much it will be to increase the face amount