Do not use the Life Insurance 'quote'
as the only factor in choosing a policy.

It is only one piece of the puzzle!

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cheap-life-insurance-quote

    Every single quote you get, whether it is online or off, is assuming that you are in exceptional health.  If this is not the case, these quotes may not stand up.

There are four main factors that need to be taken
into consideration before the final quote is clear.

#1.  The actual price of the insurance itself.

#2.  The age of the individual being insured.

#3.  The health of the individual being insured.

#4.  The fees of both the company and its agents.

It is impossible for an insurance company to give you an exact quote.  They have scales of about 10 - 30 different levels that have to factor in.

For example:  A 35 year old man in all around good health may get a cheaper policy than say a 25 year old man who smokes or has a history of heart problems. 

After you've got yourself 5 - 10 different quotes, you are most likely going to have to get a physical.  The insurance company will request the results of this physical, (with your permission). 

The insurance company then puts the results of your physical in to the 'mix', (so to speak), with the person’s age, family health history, smoker or non-smoker, etc.  And this is how they will determine the cost of a policy.  Your cost can even increase if you have a high risk occupation.  Even your driving record can determine your final cost.

Now, let’s say you have 10 different quotes from life insurance companies, after they have all the information on you that they need.  Where the price is going to vary is in each company fee.  This is where taking that extra hour or two of getting quotes pays off.  Remember, you are going to be paying them premiums for a very, very long time.

	" I went to a lot of insurance companies web sites and of course, they just tried selling me their life insurance. With your web site, I was able to get quotes from a lot of different insurance companies. It really does pay to compare! I found a great policy off your site and couldn't be happier with it." "Thanks for giving us an easy way to compare companies."
	Bill & Annie, LA

Every little bit you save on a monthly premium is going to add up to a good sum of money in time.

The good news is that the internet has made it very easy to get 5-10 or even 20 life insurance quotes in just a few short hours.  The insurance companies know this so they are willing to lower their fees to get you as a life long customer.  

Going to a local agent in your home town, leads them to assume that you are not comparing and shopping around as much as you would do on the internet which most likely means that the company and agent fees will be higher.

Should you get a;
Whole Life Insurance quote? 
Term Life Insurance quote?  or should you get
Universal Life Insurance quotes?

Let me explain.  You get a Whole Life policy for final expenses and the luxury of a tax-deferred, interest-barring savings account.  Same with a Universal Life policy, also a Universal Life policy will give you more control over your premiums.  Then, you get a Term-Life policy to cover your living expenses and other bills you have now.  Such as a mortgage, credit card debt, and any outstanding loans you may have.

Let me give you an example:  Let’s say you are a 35 year old person with a spouse and two children.  Your income is around $40,000 a year.  You also have a $40,000 mortgage, $15,000 in credit card debts, $10,000 in outstanding loans and you plan on sending your children to college.  Which we'll figure college to run $100,000. (Most likely more)