Term life online quote - Expert help with life insurance
Many people think...
I just need to run an online quote.
Pick the best rate and I'm done.
So I can get back to my overly busy life.
That's the first mistake.
It's more complicated than that.
Yes, there are countless online quoting tools and websites
FYI...they all offer about the same plans, rates, and carriers.
You're here and not buying from your brother John so we won't get into that!
Here's what people don't understand...
The online quote is really just an estimate!
"I thought you said the rates were identical?"
Before you give us various bad names, let us explain.
We really do want you to understand the term life market so you can get the best deal for YOUR situation.
That starts with getting help for an experienced professional.
It's a good place to start (by way, you're there now).
Let's discuss what you can expect with all this fire power and touch base on why it's so important to get help from a license term life agent.
Here's what we'll cover:
Let's get started.
We want to get you back to picking the best plan possible.
You can always call us at 800-710-0455 or email us with any questions.
If the rates are the same and everyone basically has the same rates, why does it matter?
That's sounds terrible but it's the truth.
Life insurance is really driven by a person's health, health history, and even lifestyle choices.
This can have a huge impact on the ACTUAL rates that the carrier comes back with.
More importantly, it can even dictate which carrier to go to in the first place.
Here's a simple example that happens all the time in the real world.
See what a difference underwriting can make.
The quote online is not good enough.
Now...think how many variables there can be in a person's "actual" rate calculation.
On and on and on.
It's nearly impossible to really capture all this data in an online rate quote.
That's where we come in!
More importantly...and here's the big one.
We can recommend the right carrier for your particular health status.
It may even be a no-medical exam plan (due to health status).
You can't get that with an online tool.
You need expert guidance.
How much does this decades of experience cost you?
If you go direct to one carrier, you get the same rates.
They may not be the best rate for you (based on health situation) since they'll only show you their plans.
If you go with an online agency, ask how many years experience the rep has.
If it's not decades, come back to us!
Take Our Life Insurance Hearing Test
We're combining the ease of online tools with the experience that we know is important.
Give us a call at 800-710-0455, run your online quote, or email us with ANY questions. That's what we're here for.
This is very easy.
Call them with questions and then call us.
That will be the end of it
This is important in two ways.
An inexperienced agent from a large online agency will just run a quote (which you can do yourself) and go with the lowest priced plan.
The problem is that the carrier may (this is very common) come back with an actual offered rate which is much higher.
The life insurance enrollment process can be a long one especially if you're going the traditional route with medical exams (see no-medcal life insurance for alternative).
It's very frustrating to go through that whole process only to get a rate much higher than you expected.
That's why you need a good life insurance agent.
No cost for this service.
Back to our Life Insurance Hearing Test...
With a just few minutes talking to our professionals, you'll hear the difference.
Everyone knows it when they have some on the phone who really know what they're doing.
It's like having a good plumber.
They become invaluable.
So get your ears ready. Call us at 800-710-0455.
We do get super busy because we help a lot of people but you'll see why when we're speaking.
This question comes up and it's important.
We are independent life agents.
This means we can work with any carrier.
And we do. Depending on the best fit for the shopper.
The carriers pay a commission which is pretty comparable across the market.
Here's the important part to you.
The life insurance market is standardized that way.
You know you're getting the absolute best rate.
That's very important but there's another factor you have to consider.
Even though each carrier's rate is level, there can be big differences between carriers and even plans within carrier.
This is dictated by age, area, health status, etc.
That's why you really need an experienced life agent.
With the right questions, they know exactly which carrier and plan will be the sweet spot.
Remember, the quote given anywhere online is just an estimate.
It usually changes depending on health, lifestyle, etc so you want to have the best carrier/plan for YOUR situation.
We can help you find that at zero cost to you.
Most of the heavy lifting is on the front end.
Life insurance is an interesting product in that, once it's established, it generally runs pretty smoothly for years or even decades.
It's really important to choose wisely up front.
The Chinese have a proverb (maybe more than one).
"Well begun is half done".
They must have been thinking of life insurance.
Let us roll up our agent sleeves and find the best value for your life insurance needs.
Remember our Life Insurance Hearing Test.
You'll hear the difference.
The other agencies won't make this same offer...they want to "sell".
We'll listen, ask the right questions, and explain why a given carrier/plan is the best fit.
There's no faking experience.
We stand behind our 25+ years in life insurance.
Most online agencies have newly minted agents working phone banks.
These are the core services we'll provide:
Watch out for the hard sell.
It shouldn't feel like a used car.
This is a financial product at its heart.
You're looking to leave a legacy and protect love ones.
You also don't want to spend more than you have to.
It shouldn't feel like your fighting up-sells.
The best life insurance agents ask questions.
They ask the right questions.
They then present the best fit for our needs and budget.
It's that simple.
Again, try the Life Insurance Hearing Test.
You'll notice the difference when you speak with our agents.
So the things to avoid with life agent:
Okay...so those are the bad things.
How do you find a good life insurance agent?
What to look for a good agent:
Sorry...we had to say the last one.
Look, we've all been on the other side of the equation.
It's that simple.
Look for that in a life insurance agent.
Your best interest.
Call us at 800-710-0455 to see if that's what you hear.
Hopefully, we've outlined important reasons and ways to find the best help.
You're not buying lunch from a new restaurant where you can just choose to never go back.
Life insurance gets more expensive every year of your life that you buy it.
You want to lock in the best protection at the best rate now.
Don't assume you'll get that with online websites.
You need guidance and help from a very experienced agent.
You also need someone who is thinking of your interest, not theirs.
If you have additional questions, please call us at 800-710-0455 or email us.
How can we expertly help you??
Again, there is absolutely no cost to you for our services. Call 800-710-0455 Today!
20+ Years EXPERIENCE
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