All Life Insurance Tips

who should I call to get term life insurance from?

There are so many offers coming by mail, phone and adds. I am still healthy want to buy some term life. Don't know who to trust what is fair rates what are not. Don't know any one who has collected this type insurance. Have you

Public Comments

1. Since you want advice, you'll need a local independent agent who represents lots of different insurance companies. Before you contact them, you'll want to very carefully think about what, exactly, you want the insurance to DO for you. Then you buy the product that gets the job done at the cheapest price, from an A rated company. Don't be oversold . . . you only need what gets the job done. That's why it's important to set the goal FIRST.
2. The best bet is to contact several insurance brokers (someone who has access to multiple companies, not someone that only works for one company) and meet with them all. Get their recommendations and compare each others offers. If 3 of 5 recommend the same product, chances are it's a good one. As far as a specific recommendation it's very difficult to do that without any information. Every state has different pricing and companies will have different pricing based on age, sex, location, occupation, risk factors, previous medical history, etc. you can also check out independent sites like winquote.net that could generate quotes for you, then find the best priced companies and go from there to investigate which are the best overall if you want to do all the work, but a broker should do all that for you...that's what they get paid to do.
3. You don't know any dead people? Or I should say you don't know anyone that knows any dead people? Yes, when people die with life insurance they pay a claim. You just need to contact an insurance broker and look at a web site that will provide you with quotes from almost ALL of the insurance carriers so you have an idea of costs. Look up "(your state) life insurance broker" online and check the "About Us" section of their site to make sure they have a physical address.