How To Get A Life Insurance Quote
Never call an insurance company and ask to purchase a life insurance policy. Like any other major purchases in life, your insurance should be selected after careful consideration from several vendors. Start by checking the yellow pages, the Internet, or the local chamber of commerce for names of life insurance agents in your area. Then make a few telephone calls to explain your interest, asking for a quote on a policy that will meet your family's needs. Most companies will comply within a matter of hours, or a day or two at the most. Then take time to thoughtfully compare all of the quotes that you receive. Check premium amounts, type of coverage, such as whole life versus term insurance, and time factors, such as the number of years you will need to pay on the policy before it reaches the desired level. If you decide that a certain quote or policy appears more attractive than the others, call the agent to set up a time to discuss the particulars more fully. Go over the print policy with a fine tooth comb, asking questions to make sure you understand it fully. Also ask about hidden clauses or conditions that may cause problems later. Most policies are fairly straightforward, but it never hurts to double-check. Sometimes an agent can come across in a way that you are not comfortable with, yet you still like the policy and trust the company. Thank the person for the quote, and then call the company to ask if you can speak with another agent. It's worth the extra effort to get someone you will appreciate working with than to get stuck with an agent that rubs you the wrong way. Life insurance is an important investment, so make sure you get the information you need to get the coverage you deserve.
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