NEW: Online Life Insurance Quotes Screen Share
Call us today at (888) 430-7668 and request a life insurance screen share!

While on the phone, you'll see our computer screen which will show ALL of the top rated life insurance carriers and their best online life insurance quotes. We'll show you the rates you can qualify for based on YOUR unique health situation and explain why.

No software download needed. If you're reading this, you'll be able to see our screen and interact with us.

We started this service because consumers are naturally skeptical if an agent is offering them the best life insurance rates available. With so many options out there, we want you to be confident in knowing we're actually giving you the best life insurance quotes available, so you don't have to spend your valuable time looking elsewhere.

Using a screen share, we have achieved 100% transparency in recommending individual life insurance to consumers.

Simply call us at (888) 430-7668 and ask for a life insurance screen share.

Using the Internet to Buy Term Life Insurance Online

Before the internet, consumers would shop for low cost term life insurance at a local insurance agent's office or the insurance agent would visit your home. There was ONE policy quote, and you either signed up for it or you didn't. There weren't any other options.

The internet has made looking for life insurance easy and has given more power to the consumer.

Online life insurance instant quotes force insurers to compete against each other which allows the consumer to compare premium prices side by side, without any sales pressure.

Online life insurance quotes and open pricing empowers you to make informed choices because life insurance companies have to compete aggressively against each other for your business.

If you are just looking for information, please visit our life insurance blog and review our blog categories on the right.

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Crash Course: How To Buy Term Life Insurance Online

After taking a few minutes to read through this crash course, you will know more than 99% of life insurance consumers out there, but before I start, if we could only make one recommendation to anyone purchasing life insurance, it would be to work with an experienced independent life insurance agent.

Why use an independent life insurance agent or agency?

The life insurance business is littered with large call centers where telemarketers are given a script to sell you life insurance. These agencies choose mass production over service and they advertise all over the internet, radio and TV. Beware of these outfits. While they claim to be independent, they all offer the same handful of companies. You would be purchasing life insurance from a call center agent.

A good, experienced independent life insurance agent will help you with any questions, find you the best rate and service your policy when you need to make any changes.

Lesson #1: Obtaining Quotes for Individual Life Insurance

Don't jump at the best life insurance instant quote rate.

You may not qualify for that rate or you may even qualify for a better rate. No matter what, you will have to speak with a licensed agent to complete the application, so make sure it's with an experienced independent life insurance agent and not a call center.

Beware of the life insurance industry's version of bait and switch.

This is when an agent will quote you a lower rate than you can qualify for, just to get you to complete an application and medical exam. Many life insurance call centers are trained to do this. When the rate comes back more expensive, most consumers take it because they have already invested the time and energy.

Don't enter your contact information when there is no information about the life insurance company available on the website you're visiting.

Many life insurance websites who promise you quotes are actually data mining websites. Your information will be sold to the life insurance call centers and you will be barraged with phone calls. Make sure there is a phone number prominently displayed and an about us section.

Lesson #2: Individual Life Insurance Underwriting Basics

Do you know what life insurance "health class" you fall in? (Preferred Plus, Preferred, Standard Plus, Standard or Sub-Standard)

It's ok. Most consumers don't. Heck, most agents get it wrong. How could you know when each individual life insurance company has different underwriting guidelines?

Guessing your health class on a life insurance instant quote engine is fine if you want ballpark figures. If you want an accurate quote, you should speak with an independent life insurance agent.

Underwriting life insurance is both an art and a science that a piece of software can't know since underwriting guidelines are changing all the time.

Consumers are required to be assisted by a licensed agent to purchase life insurance. Might as well find an experienced independent life insurance agent who knows the ins and outs of all the top rated life insurance companies on the market.

Lesson #3: Frequently Asked Questions

How do you buy a life insurance policy online?

1. We complete an application over the phone.
2. We schedule a medical examiner to come to your home for a free mini-medical exam (a blood and urine specimen will be taken).
3. The life insurance company orders your medical records from your doctor. This is what typically takes the longest amount of time. Once those are received, an offer will be made.
4. After accepting the offer, we will order the policy and place the coverage in force. This is when your first premium is due.

How long does it take to buy life insurance online?
Typically an offer is made 4-6 weeks after taking the medical exam. Life insurance with no medical exam options can be approved anywhere from 2 -5 days

When do I make  my first life insurance payment?
We don't collect any payment information until we receive an offer from the life insurance company that you're satisfied with. This typically takes 4-6 weeks.

How do I know I'm getting the best online life insurance quotes?
We have access to all the top rated life insurance carrier's rates. We don't want you to just take our word for it so we'll show you our screen so you can see for yourself what the best rates on the market are.

I have some major health issues, can I get life insurance?
We are impaired risk life insurance specialists and even for those in the poorest of health, we have guaranteed issued policies available.
 

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