Cheap Life Insurance Quotes

life insurance cheap

Cheap Life Insurance Quotes

Ranked %2319,808 in Healthy Living. %23312,640 overall

Cheap life insurance quotes

Because sometimes, expensive life insurance quotes don't match your drapes.

To shop prices, you need to see in an instant how much a product is going to cost, but actually seeing a concrete offer usually takes a month or more. Quotes can be got in only a moment to obtain, however in fact, these days, you can get quotes from dozens of competing insurance companies all at once, all on a single website. For shoppers without health complications, life insurance quotes tend to be reliable to the penny.

It's all your fault

Looking for cheap life insurance quotes. you might get the idea that cheap means of poor quality, but the fact is that if your life insurance quote is bad, it's your own fault. No, not because you didn't shop around enough to find really cheap life insurance quotes. It's bad because it's inaccurate. That is, a life insurance company can quote you one price and then give you a different price when it comes time to offer you a policy.

How can this happen? Again, it's your own fault. The only reason that a life insurance quote would differ from the rate your are offered is if you provided incorrect information on the quote form. You see, between the time that you get a life insurance quote and the time that you get a life insurance offer, the insurer spends a few weeks investigating your mortality risk. In the end, what they come up with is a rate class or health class, and they base your life insurance rate on that.

When you filled out a form to request cheap life insurance quotes, your rate class was one of the form fields. Most often when a quote does not coincide with an offer, it's because you filled a rate class which differed from the rate class that the insurer assigned you. Granted, in most cases, it's a mere accident, not fraudulence, to fill in the wrong rate class. But that doesn't make it any less your own fault.

Finding cheap life insurance quotes

Cheap life insurance quotes don't grow on trees, you know. They grow on computers. So unplug your computer right now (don't worry, these instructions will remain on the screen), take it out back, and plant it in the soil. Water it regularly (every day if you live in an arid area). And in a few weeks, you should have a whole crop of cheap life insurance quotes.

Well, not really. What you should really do (if you're still reading this and not busy digging a hole in the back yard) is find a website for an independent life insurance agency, brokerage, or agent. Uh oh. I said that word that makes people run home and then pretend that they're not home. Agent. We all imagine that agents are going to rip us off, but the fact of the matter is that most agents are ethical (if not competent) and competent (if not ethical).

An agent won't cost you any money unless:

2) You surrender a permanent life insurance policy during the first few years of the policy's force.

For a pretty decent brokerage general agency (BGA) website, try www.wholesaleinsurance.net .

A moment of honesty.

That was it. Couldn't you feel it? I was being honest during the heading of this section, from the start of the A, to the end of the ellipsis. That doesn't mean that I've been lying the rest of the time, but I give you no guarantee than anything else I've said is true.

So what does this have to do with cheap life insurance quotes? For starters, cheap life insurance quotes are not guaranteed. But you can make them as accurate as possible by being as forthright as possible when you fill out a form to request quotes.

And you can save yourself time and perhaps get a cheaper rate if you'll disclose everything of relevance to your life insurance agent. You see, insurance agents walk a fine line between agent and fiduciary. That means that when they give you counsel, you can sue them, and a judge is more than likely to side with you. To put this in familiar terms, remember the parable of the good Samaritan. Now imagine that in the sequel to that parable, the Jew who fell among thieves sued the good Samaritan for leaving him with a crooked innkeeper. Your agent is the good Samaritan, who wants to help you. You're the Jew who sues him for not giving good enough help. And because you're Jewish, you're also a good lawyer. So naturally, the judge is going to side with you. Your agent will go home and cry because he can't support his family. He'll go to debtor's prison and say, If only I hadn't tried to help that guy/gal find cheap life insurance quotes!

For more life insurance information, see the lens Life Insurance Quotes Online

life insurance cheap