If you are like me, then you think that getting the best price on life insurance could be a hassle.
Well, getting term life insurance has never been easier these days. With the many companies that are fighting to get your business, getting competitive rates is simple.
There are hundreds and hundreds of different insurance companies on the market, which means that you could spend weeks looking to get the best insurance plan to meet your needs. Every insurance company is different, which means that you could get drastically different rates depending on which company that you get the quote from.
Select Quote is a great way to get the best Term Life Insurance rates. Select Quote is an independent agency, meaning that they offer coverage from a array of different life insurance companies. This allows a select quote agent to match you with the insurance company that will offer you the best rating.
Life insurance is one of the best investments that you’ll ever make for your loved ones. If something tragic were to happen to you, your life insurance plan is going to make the situation as easy as possible. Nobody wants to think about his or her own death, but it’s vital that you plan for the worst. We can make that process as quick as simple as possible.
Using Select Quote
I will take you step-by-step of how easy Select Quote is to use. When you go to the select Quote website you can access the free quote system two way, by clicking the “Free Quote” at the top or the “Start Your Free Quote” in the middle
Once you click on one of these buttons you will be taken to a page where you can either begin to fill out your Select Quote Profile online, or speak with a Select Quote agent right now by calling their number. I decided the best way would be to fill out the online form.
The first step in receiving your free quote is to fill out your profile. Your profile includes your name, age and any health conditions you may have, such as if you have diabetes. It also includes if you are replacing a policy you already have, what kind of policy you are looking for and the amount you would like to be covered by.
The second step is about your family history. This includes health problem that you mother, father or any sibling has had. It also ask about your driving record and your nicotine habits as they both can influence the cost of your premium.
Step three asks any dangerous sports or activities that you take part of as well as the final information they need to contact you.
Upon completion of your profile you will be given a reference number and an agent that will review your case and match you with the best insurance provider.
About thirty minutes after I had submitted my profile a Select Quote agent contacted me. The agent went back through my profile to make sure that they had all the correct information, and then proceeded to ask me questions about what exactly I was looking for. The agent was very helpful and knowledgeable about the products and companies that they recommended. The agent then emailed me price quotes on different amounts of coverage.
The next step in this process would be to select an insurance company that is right for you. Your agent will then schedule a mini medical checkup to check your current health condition. After your checkup the agent will review the insurance companies policies with you. After you make your decision you can now breath a little bit easier knowing that you have a peace of mind for your family if something were ever to happen to you.
The experience with Select Quote was good, so it’s nice to know that some of my competition is good. 🙂 I’m proud to say that our services are on par with them.
Getting Affordable Life Insurance Coverage
When you’re shopping for life insurance coverage, there are several ways that you can ensure that you’re getting the lowest premiums available. Making a few simple changes can save you hundreds of dollars on your insurance coverage every month. We’ve already talked about using Select Quote to compare dozens of rates, but that’s not the only thing that you can do.
The first thing that you should consider doing to save money is eliminate any tobacco that you currently use. If you’re listed as a tobacco user on your insurance application, then you can expect to pay much higher premiums. Smokers are at a much higher risk of being diagnosed severe health complications later in life, which means that you’re going to be a higher risk to the insurance company. They are going to offset that by charging you higher premiums. If you want to save money on your life insurance coverage, then you’ll need to kick those bad habits once and for all.
Another way that you can save money is by improving your health. Before the insurance company approves your application, they are going to require that you take a medical exam. The results of the medical exam are going to play a significant part in how much you pay for coverage. If you want to save money on your insurance policy, then improving your overall health is one of the best ways that you can do that. There are several ways that you can secure better results from the medical exam.
The best ways to improve your health are to stick to a healthy diet and start getting regular exercise. Both of these are going to let you lose weight, lower your blood pressure, lower your heart rate, and reduce your risk of being diagnosed with health complications. Heating better and hitting the gym could save you 50% or more on your insurance premiums.
How Much Health Insurance Should You Buy?
One of the most notable factors that is going to impact your premiums is how large of a plan that you’re going to buy. The larger plan that you buy, the more that you’re going to pay every month. It’s important that you decide how much life insurance you need before you apply for a plan. There are several different categories that you’ll need to calculate to ensure that you’re getting enough life ensure for your family.
The first number to look at is any debts or final expenses that your family would be responsible for if something tragic were to happen to you. The primary purpose of life insurance is to give you family the money that they would need to pay off your bills and debts, which can easily equal hundreds of thousands of dollars. Losing a loved one is never easy, but being left with a massive amount of debt is going to make the situation a thousand times worse. Before you a buy a plan, add up your mortgage payment, student loans, and any other bills that your family would be responsible for, make sure that your policy is large enough to cover those expenses.
The next number that you should look at is your annual income. If something tragic were to happen to you, your family would no longer have your source of income, and if you’re one of the main income earners in your home, they would suffer financially. Your life insurance plan will give your family the money that they need to replace your paycheck and not sacrifice their standard of living.
When you’re shopping for life insurance coverage, these are only a few of the aspects that you’ll need to consider. There is no magical number that you should aim for, everyone family is different, which means that every person is going to need different insurance coverage. Most insurance companies would suggest that you get around seven to ten times your annual income, but every person is different.
If you have any questions about getting life insurance coverage or ways to get the lowest insurance premiums, please contact one of our agents today. It’s our mission to ensure that you’re getting the lowest insurance rates available. We work with dozens and dozens of companies across the nation, which means that we can bring all of the best rates directly to you.
Need a life insurance quote? Use the quote engine on this page.