DON'T BE IN A RUSH TO GET YOUR LIFE INSURANCE POLICY    Get your first 10-20 quotes, look them over thoroughly.  Narrow them down to 5-10 quotes. 

Start asking questions to the remaining insurance companies.  Find out all the terms of the policy.   Let them know that you are in no rush to get the policy.  Make sure they know that you are shopping around, comparing, and asking the same questions to each company. 

The insurance companies will realize that you are a serious comparison shopper and they will work harder to give you their best deal.  Remember, they want you as a life long customer. If they won't fight for you and try to work to get you the best possible deal........forget them!  Keep moving on with the other companies.

You should figure it is going to take 3-5 months to finally get the right policy.  You are going to spend 2-3 weeks getting it narrowed down to your best 5 offers. This is when insurance companies will request results of your physical.  After that, all the paper work has to be drawn up.  So don't rush.  They will know you are in a hurry and will try to get as much money out of you as they can.
And don't forget, that's money you will be paying month after month...

I know this may sound harsh but, insurance companies go by their bottom lines.  They are out to make as much money as they can and if they run across a person who is unprepared and in a hurry.....they will take advantage of any situation they can find.

If you are in good health, do not purchase any supplemental life insurance that may be offered to you at work. 

This is because most group employers insurance plans are not figured for individuals.  Insurance companies calculate that there are going to be a percentage of people employed with the company that are going to have health problems. 

We have learned that people with health problems pay much higher premiums. The insurance company then calculates this percentage of 'unhealthy' people into the overall rates, then averages it out. 

So, in reality, a healthy person is paying higher premiums because they are paying part of the higher premiums for the people averaged in as being 'unhealthy'.  Also most employer life insurance plans are lost once you leave the company or retire.  Then you will be forced to go out and purchase a different policy and you will be older, which will make it harder and more expensive to get a new life insurance policy. 

You are much better off keeping that money that your employer deducted every week from your pay check and putting it towards a life insurance policy that is tailor-made just for you.

WELL, THERE YOU HAVE IT!  A few more weapons to help you get the best quote on life insurance.  And now that you know how to get the insurance, you may need to know a bit more information on the different types of life insurance.  If so, go to the following pages to learn more are about each.

Definition of Whole-Life and how to get a Whole Life insurance quote.

Definition of Term-Life and how to get a Term Life insurance quote.

Definition of Universal-Life and how to get Universal-Life insurance quotes.

Hope you enjoy the rest of the site. And hope that you have become a
bit more educated in how to shop for life insurance.
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