So
you're in the new position of needing to
purchase term life insurance. It's
not a common purchase so the new
terminology can be overwhelming.
Term life is actually a lot simpler than
other types of insurance but let's do a
quick walkthrough of the basics so we
can enter the market in a position of
confidence.
What
prompts most people to look at
purchasing term life insurance?
It's usually a realization brought on by
situations close to a person. A
common example is the birth of a first
(or second) child. All of a
sudden, there's the realization that if
something were to happen to one of the
parents or the main earner for the
family, the remaining spouse and
especially the children would be in a
predicament for a long time to come.
Another trigger can be the purchase of a
first house. As great as that is,
it comes along with a very long-term
financial obligation. Thirty years
is a long time! The combination of
a new baby and a new house is the
one-two bunch that usually spurs a
resulting, "Hey, I need some life
insurance". This is the typical
scenario although there are others that
lead people to the same realization.
So now that you
"need" life
insurance...what's next?
If
you're like millions of Americans, your
first inclination is to go online and
research (which is probably how you
found us outside of the many referals we
get). This is a new and welcomed
trend. It's so much easier!
We remember the old way and it involved
you going to insurance agent's office or
worst yet, them coming to your home.
You sit down around a table with dozens
of pages of numbers and pictures with
smiling faces designed to entice you
into this or that plan. It was a
lengthy and arduous process. The
rates took time to calculate as the
agent would take a base rate....I won't
bother you with the details but it was
not fun, fast, or enjoyable. Skip
10 years ahead and everything has
changed. The carriers have really
fine-tuned
term life
insurance to a point that's a
commodity which means, very similar from
carrier to carrier and plan to plan.
You can now go online and get an instant
quote through our
term life
insurance quote engine.
You'll fine multiple carriers with
various plans and quotes all side by
side. This really is a whole new
way of doing business. It puts the
power and information in your hands.
We firmly believe this is the right
approach. Some life insurance
agents want to maintain control and
steer people to one plan/carrier or the
other. Why?? I personally
don't know. Ultimately, we want
our customer to be in the very best
priced plan with a strong
carrier...period. As we discussed
in our
Agent ethics and
responsibility article, we
would hope someone would do the same for
us.
Some
websites still try to trap you with
emails and phone number requests up
front and then they contact you later
with the quote...maybe a vestige of the old way
of doing business around the table.
Annoying and unneeded. We don't
think this is the right way to go and so
you can get your instant quote on any
page at
etermlifeinsurancequote.com.
You won't have to fill out some form and
wait to get your quote. We
have provided (and continue to add) as
much information as possible to help you
really understand term life insurance to
depth that you choose to. From our
term life article
listing page, you can learn and research
any element of the term life process or
plan from the point of view of our years
of experience. You'll notice that
we DO NOT recommend the most expensive
types of life insurance (I wouldn't buy
it for my family) in our
term versus whole
life article and we explain
why. It's like having a friend in
the business and believe me, you need
one when purchasing term life insurance.
So
once you've taken advantage of our
online tools to quote, compare, and find
the best term life rate and plan for
yourself, we then help as your
licensed term life
insurance broker with the the
life application process and beyond.
Filling out insurance application
(including term life) is never fun but
we'll help guide you along the away as
successfully completing the application
can save you from serious regrets later
on.
Hopefully, we can make purchasing term
life insurance a process that you come
out of with confidence, satisfaction,
and most importantly...an affordable
term life insurance policy that fits
your needs!
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