We provide immediate life insurance quotes from all the nations top rated carriers. We work on behalf of YOU and not any life insurance company.
Since you are viewing these instant life insurance quotes without the help of an agent to assist you and answer any questions, use these tips to help you decide how to choose a reliable life insurance company.
Only use AM Best rated “A-” carrier or better. AM Best is the industry benchmark for financial strength in the life insurance industry. Any company with an “A-“, “A”, “A+” or “A++” has outstanding financials. In today’s economy its important to know you’re with a financially solid company.
Our immediate life insurance quote engine will show you the AM Best life insurance company ratings of each company.
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.
Our instant life insurance quote engine will show you both the monthly and the annual payments for you to make a decision.
To avoid life insurance paperwork, we suggest you use a carrier that allows an “e-signature”. With this technology, we email you a completed application and all you have to do is type your name to sign all the documents. This is good for the environment because we save paper and its quicker for everyone.
Our instant term life insurance quote engine will tell you if the company is “e-sign” approved.
Term life insurance rates are the same no matter where you go. We all use the same published rates. To save you the headache of hopping from 1 website to another, we listed all the life insurance companies that publish instant quote rates in our quote engine.
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. With that said, the instant life insurance quotes you view on our site 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.
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. The key in finding the best rate is to find a company that will look most favorably at your situation.
If you have no health issues and are in perfect health (less than 10% of you), then using an instant life insurance quote engine is easy. Just choose the Preferred Plus health class.
For the other 90% of us, its a little more tricky.
If you take any maintenance medications for cholesterol or blood pressure and everything is under control, then choose Preferred rates. Any other health issues are generally classified as Standard Plus or Standard.
Keep in mind, life insurance companies are not only looking at your health, but they’ll be looking at your family history – specifically anyone passing before the age of 60 of cancer, heart disease or stroke.
They’ll also look at your lifestyle choices – like scuba diving, skydiving, marijuana use or any DUI or reckless driving tickets. Many people forget to factor in any psychological issues like depression, anxiety or bipolar disorder. These are all conditions that can effect your instant life insurance quotes.
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.