Term Insurance is a policy to temporarily cover the insured's life.  It can be used when you only want coverage for a finite period of time.  This type of coverage is the cheapest, but it does not build cash value that you could 1035 exchange or withdraw.  Term can be converted to permanent.  Getting a term life insurance quote online is easy - getting an accurate rate and a policy that fits YOUR circumstances is where you need the assistance of a field representative life insurance agent.  Nevertheless, click here for quote.  For professional advice regarding term life insurance, contact me.

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Preparing a Whole Life or a Universal Life Insurance rate comparison quote requires the use of proprietary software that is provided through the brokerage distribution by each individual company.  A licensed broker can not only prepare this ledger proposal for you, but also advise you as to what rating class you would fit into and with what company.

Many customers are under the impression that they are saving money by going "direct" to one of these online call centers that would have you think that they are a direct source for the coverage. Basically, these companies are nothing more than PPGA's or (personal producing general agents) with a general agent contract with the carriers that they feature. They may control over the COMMISSION that they pay their agents, but the cost of the product to the client is the same as with the independent insurance broker. Different premiums cannot be offered - period!

So what's the benefit of using an Independent Life Insurance Agent...

When you choose an agent to do business with, you can count on the fact that they will personally handle your case. This type of relationship is essential to the process. Consider the communication that you will have to be doing in the application process or when you have a death claim. Would you rather deal with a call center or would you rather deal with the same person who knows you and knows your case personally?