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Life Insurance QuotesThe cost of a life insurance policy can vary as much as 50% for the same coverage! Smart shoppers need to compare multiple life insurance quotes. Fortunately, it's easy to do online.
This section:
Lists the basic necessary info you'll need for a quote
Links to two great online quote services, and
Describes strategies for getting the lowest and most accurate quote
Premiums can vary by as much as 50%. Enter your ZIP code on the right, and with just one short form, you'll receive quotes from several insurers in your state. Start comparing quotes today:
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Shopping for life insurance onlineThe internet has been a huge blessing to life insurance consumers. Increased access to information and competitive selling by insurers have driven down the cost and multiplied consumer options.
Of course, a life insurance quote is only as good as the information you enter, so before we send you on your way, here's quick list of the facts you should have handy before you apply for a quote:
Basic personal information. All the stuff you find on your driver's license.
Work and leisure profile. Is your occupation dangerous? Are your hobbies dangerous? And, of course, do you smoke (a big, important factor)?
Driving record. Most insurers will want pretty specific information about any recent accidents, tickets, or DUI's.
Health profile. This includes both a family and personal illness histories and a basic snapshot of your current health (cholesterol count, blood pressure).
And, finally, coverage details. How much coverage you want, the type and length of policy you're seeking.
You should be able to get an initial quote even without some of the info listed above. It simply may not be very accurate. If you're not sure about something, give it your best guess rather than leaving the field blank.
And now for the important part:
For term life quotes...If you're seeking a term policy quote, get an instant quote from Insured Street. Quotes are real-time, and you compare costs and coverage side-by-side. The country's top insurers are represented, along with their financial ratings, and you need only contact and deal with those whose policies interest you.
The real-time online approach works best for a few reasons:
First, the cost of term life insurance policies can vary widely - you need to comparison shop.
Second, "playing around" with coverage numbers and term lengths can also really affect price, and that's easy to do online.
And finally, you'll be able to shop in peace, without being pressured to buy a permanent (more expensive) policy.
Get started with Insured Street, or learn more about strategies for getting lower term life insurance quotes.
Whole life quotes...
If, on the other hand, you want a permanent policy, you should probably speak one-on-one with an agent. Whole policies come in a lot of flavors, and they're a trickier business than term plans.
Even if you're fairly sure of the type of policy you want, you really need to take into account both your coverage goals and your financial situation when choosing policy specifics. An agent will help you do that.
For fast assistance from insurance professionals who want your business, visit InsureME. You apply online, and InsureME matches you with insurers who offer a good price on the type of coverage you seek.
Get started with InsureME, or learn more about how to get accurate whole life insurance quotes.
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