There is no shortage of options when it comes to life insurance, and while the process can often seem intimidating, there are a few steps you can take to make the life insurance buying process easy.
First, to receive the most accurate quote, it’s crucial to provide as much honest information as possible. We’ll help you weigh your options, understand the differences and the advantages of term life insurance vs. permanent (whole) life insurance, and we’ll take the time to find coverage that best fits both your needs and budget.
The Process for Getting a Life Insurance Quote
Before you get started, consider how much life insurance you might need to replace your income both now and the future. You will also want to think about who depends on your income today—spouses, children, business partners, etc.—and consider who can benefit from your smart decision to buy life insurance.
Getting the most accurate quote is all about providing the most up-to-date information. Individual and household incomes and debts, as well as basic healthy history, will get the application started. Our coverage calculator is a great tool to help get an idea of how much life insurance you might be interested in.
Choosing Life Insurance Coverage
When getting your life insurance quote, you’ll have to answer a series of health and lifestyle questions that cover your personal health history, hobbies and some financial information to determine your rates. Your licensed insurance agent will want to ask a few follow up questions and will play a key role in making sure you get the most accurate quote.
Once you complete the questionnaire, we can then compare and review coverage and prices from multiple trusted carriers. If you’re interested in term life insurance, it’s important to carefully consider the timeframe needed for coverage. Life insurance is most affordable the younger and healthier you are and it can be a wise decision to lock into what you think you’ll need to cover not only immediately, but in the future.
After you see the rates from the trusted carriers we work with, you can select the best one for you and complete the initial application. Once you have chosen a policy, you’ll most likely have to complete a brief medical exam. This allows the underwriter to confirm the details of your health questionnaire and confirm your final price for the selected coverage. Again, the more accurate your information is up front, the greater the chances of no changes to your original quote.
Life insurance isn’t a one plan fits all. We simplify the process for buying life insurance—we’ll help you get the most accurate quote and there’s no obligation to enroll.