Term life insurance is the most popular kind of insurance you’ll find. It’s cheapest and it can be customized to fit your needs.
An independent agency can offer virtually any life insurance company on the market.
We don’t work for any specific company – we work on finding you the best rate, no matter which company will offer it.
There are a couple of things to understand before purchasing term life insurance:
- Term life rates are going to be identical, regardless of where you buy. Every agent uses the same published rates. Save yourself the time of calling different companies and just use an independent life insurance agency. We’ll run side by side comparisons based on your health and recommend the best rates available for you.
- Life insurance applications must be assisted by a licensed life insurance agent. You will have to speak with someone so make sure you find an EXPERIENCED independent life insurance agent.
I can’t stress finding an experienced life insurance agent enough. Every week we help consumers find much better rates than what they currently have only because their agent used the wrong company. We clean up rookie agent mistakes all the time.
You get term life insurance from either an independent agent, captive agent (only representing one company) or call center.
Typically if you go to call center life SelectQuote or AIG Direct, you’ll be working with a kid in a cubical who is newly licensed. Try to avoid that at all costs. Those brand names that you know simply have the big marketing budgets. We actually wrote a SelectQuote review here.
Each life insurance company has different standards for creating quotes and determining risk. Only an experienced agent will truly be able to find you the best rate.
Rootfin has access to over 60 life insurance carriers and has been helping consumers purchase individual life insurance since 2005.
We are a small, family owned life insurance agency with a focus on finding the best company for each of our clients. If you’re looking to get term life insurance, give us a call or use our form. Our family looks forward to helping yours.