Last Updated: November 2020
The instant life insurance quotes you’ll receive from our quote tool are accurate and updated. You can easily compare rates, financial ratings, and policy details from 60 of the nation’s top-rated life insurance carriers all on one screen immediately!
Finding life insurance quotes isn’t difficult. You can quickly find life insurance websites that will show you policy rates from companies with a simple search on Google or Bing. However, getting instant life insurance quotes that are the best rates for you is a little more difficult.
Below you’ll learn how to find instant life insurance quotes including information you should know before applying for a new policy.
- Tips for Finding Instant Life Insurance Quotes
- Instant Life Insurance Quotes are 100% Accurate
- How To Choose a Health Classification for Instant Life Insurance Quotes
- Why Use Rootfin Instant Life Insurance Quotes?
- Instant Life Insurance Quotes are Not Accurate with Health Issues
Life Insurance is Boring. Let’s Get To The Root Of It! Here are the key takeaways…
To find instant life insurance quotes, use a quote engine tool that compares rates from all of the top-rated life insurance companies. Know your health class before trusting the rates from instant quote engines. People with health problems should work with an independent life insurance agent.
Tips for Finding Instant Life Insurance Quotes
Since you are viewing these instant life insurance quotes without the help of a life insurance agent to assist you and answer any questions, use these tips to help you decide how to choose a reliable life insurance company and find the lowest rates.
Tip #1: Choose Companies with High Financial Ratings
Only use A.M. Best rated “A-” carrier or better.
This ranking system is the top viewed in the industry and should be taken seriously. Any company with an “A-“, “A”, “A+” or “A++” has outstanding financials. In today’s economy, it’s important to know you’re with a financially solid company.
Our immediate life insurance quote engine will show you the A.M. Best life insurance company ratings of each company. In fact, we’ll only work with life insurance companies that have an “A-” rating or better, so every company you’ll find on the quote results page will be a highly rated carrier that we’re comfortable recommending.
Tip #2: Annual Rates are Cheaper
Annual life insurance rates are less expensive than monthly rates. Typically by paying annually, you’ll save on average 4% over a year than if you made 12 monthly premium payments. Some life insurance companies even give up to a 6% discount by paying annually.
There are also smaller discounts available for semi-annual payments as well, usually in the 2-3% range.
Our instant life insurance quote engine will show you both the monthly and the annual payments for you to make a decision. For semi-annual or quarterly payments, you’ll have to work with an agent.
Tip #3: Avoid Life Insurance Paperwork
To avoid life insurance paperwork, we suggest you use a carrier that allows an “e-signature”.
With this technology, you complete an application and simply type your name to sign all the documents. This is good for the environment and it’s quicker for everyone.
This saves you from the task of reviewing, signing, and mailing 20+ pages during the life insurance application process.
All of our companies on our instant term life insurance quote engine allow e-signatures.
Tip #4: Compare Life Insurance Companies, Not Agents
Term life insurance rates are standard no matter what website you use to find instant quotes since agents have access to the same tables.
To save you the headache of hopping from one website to another, we listed all the top-rated life insurance companies that publish instant quote rates in our quote engine.
In other words, going to different websites won’t get you better rates from the same company. It’s your actual agent that will make the difference in finding the best rates by shopping all the best life insurance companies.
Instant Life Insurance Quotes are 100% Accurate
The instant term life insurance quotes displayed on our website are pulled directly from the life insurance carriers rate books and updated any time there’s a rate change. So the quotes you see are 100% accurate.
The only variable we don’t know is your unique health situation and there’s no way for an instant life insurance quote engine to factor this in. If you’re not sure of your health classification, we recommend that you contact us or use the guide below.
How To Choose a Health Classification for Instant Life Insurance Quotes
There is no way for you to know with any certainty what your health class is.
The reason is all life insurance companies look at your health differently. We can give you direction by showing you companies that are more favorable towards your health issues.
If You Have No Health Issues
If you have no health issues and are in perfect health, then using an instant life insurance quote engine is easy.
You may qualify for preferred plus life insurance rates, so choose the Preferred Plus health class.
For most people, however, it’s a little more tricky.
If You Do Have Some Health Problems
If you need life insurance with high cholesterol or high blood pressure, but everything is under control, then choose Preferred rates.
Any other health issues are generally classified as Standard Plus or Standard.
Other Information Underwriters Will Want to Know
Keep in mind, life insurance companies look at your family history as well. Specifically, anyone passing before the age of 60 of cancer, heart disease, or stroke.
They’ll also look at your lifestyle choices. For example, life insurance for scuba divers, skydivers, marijuana smokers, or people with a DUI will typically be more expensive.
Psychological issues can be a factor as well. Life insurance with depression, anxiety, or bipolar disorder will also come with higher premiums.
Keep all of this in mind when viewing your instant life insurance quotes. If there any health issues, just use the results as ballpark figures.
We recommend just choosing “Standard” health class to be conservative if you’re not sure. That is what most people will qualify for.
Why Use Rootfin Instant Life Insurance Quotes?
We are a small group of experienced and knowledgeable independent life insurance agents.
Our agents separate us apart from the rest of our competition. We’re experienced professionals supporting our families by helping people find the best life insurance policy at the lowest possible cost.
Because we’re not “corporate”, we’re able to implement all the latest technologies to make the process easy and efficient. We give you the ability to apply online after you make your decision. Many big-name life insurance carrier websites like SelectQuote and Matrix Direct won’t even give you an instant quote, let alone give you the opportunity to apply online.
We understand some consumers have the “do it yourself” frame of mind and that’s why we offer this service.
Founder / CEO
Instant Life Insurance Quotes are Not Accurate with Health Issues
If you have any health issues, we don’t recommend using our life insurance instant quote service. This tool is not accurate for people who have mild to severe health conditions because, for these people, quotes can vary widely.
You’ll need to compare high-risk life insurance quotes from multiple companies. An experienced life insurance agent who has worked with others in a similar situation will know which companies are best for you.
We recommend you call to speak with a life insurance agent. Simply call (888) 430-7668 for your accurate instant life insurance quote.