Get Affordable Life Insurance Rates Instantly
Get Affordable Life Insurance Rates Instantly
The LifeInsuranceBlog Difference
LifeInsuranceBlog is an independent comparison website that provides education, solutions, and the lowest priced life insurance policies available online.
We simply help by providing you superior customer service, quick communication, and no pressure to buy.
Life insurance shoppers are often overwhelmed in the beginning. So we compiled a list of the most important questions life insurance shoppers you need to know. If you’re looking to secure the best life insurance rates, you need the ask the following questions.
The Top 7 Life Insurance Questions You Need To Know Before Buying
- What Is An Independent Life Insurance Agent?
- How Do I Get the Best Life Insurance Rate?
- How Do I Compare Life Insurance Quotes?
- What’s the Biggest Life Insurance Shopping Mistake?
- What About Life Insurance Products & Options?
- What About Life Insurance Underwriting and Qualifying?
- What Preexisting Conditions or Risks Affect Life Insurance?
1. What Is An Independent Life Insurance Agent?
Working with an independent life insurance agent is the first step to finding the best life insurance rates and options. At LifeInsuranceBlog, you’ll get direct help from an Independent Life Insurance Agent – Not a Captive Life Insurance Agent. These 2 types of agents are completely different.
Using one over the other can make a huge difference in how much you’ll ultimately pay for a life insurance policy.
- Independent Life Insurance Agents: This type of agent works with multiple life insurance companies. They are not employed by 1 insurance company. Independent agents are able to shop for any company that they represent. There are independent life insurance agents that have access from as little 2 or more companies. At LifeInsuranceBlog, we have access to over 60 top rated life insurance companies. When you work with us, we simply find all the companies that are available to you and let you decide which one meets your needs. We’ll help you along the entire process from initial quotes – to qualifying & applying – to receiving your policy.
- Captive Life Insurance Agents: Captive agents work with only one life insurance company. Many times shoppers have no idea that they are working with a Captive agent that can’t shop their case to multiple companies. Your result is typically paying for a life insurance policy that has a much higher premium than what a competing company would offer you. It is even possible that you could be denied by the Captive agent’s company because you are subjected to only their underwriting guidelines.
LifeInsuranceBlog always works for you instead of the life insurance company. We take the time to understand your needs.
Our simple system of qualifying you means you’ll get customized quotes from over 60 top rated life insurance companies that you can qualify with. We won’t waste your time providing you quotes or options from companies that you won’t qualify with.
2. How Do I Get the Best Life Insurance Rate?
STEP 1: As previously mentioned, you should always work with an independent life insurance agent. If you want your agent to shop your case to multiple companies & compare the lowest rates – you must always use an independent agent.
STEP 2: Understanding life insurance rates. Most shoppers don’t know that every life insurance company submits their rates to each state’s department of insurance before consumers can purchase these policies. This means that rates are set for every health class that the life insurance company offers you the consumer.
Life insurance rates are the same no matter if you shop with 100 different agents or websites. You won’t find “coupons” or “Black Friday deals” like you would buying a TV. When you shop for life insurance on LifeInsuranceBlog, you’re getting the lowest life insurance rates available anywhere.
STEP 3: Use LifeInsuranceBlog’s QQC system when comparing any life insurance rates. The QQC System stands for: Qualified Quote Comparisons. Most life insurance shoppers compare rates that the may not qualify for.
It’s a common mistake, but this simple mistake can be extremely costly.
Does this sound familiar? “Get a $500,000 – 30 year term life insurance policy for less than $10 per month!”
You have probably come across advertisements on the radio, TV or internet that state something similar. You probably aren’t qualifying for those advertisement rates – unless you’re young, in perfect health, and the ideal height & weight. If not, you simply are not getting those rates.
LifeInsuranceBlog will use our simple QQC system so you’re only looking at qualified quotes to compare. We will take the time to find out which health classes you will qualify for (there are over 14) and provide you the best rates for those health classes.
QUICKLY COMPARE LIFE INSURANCE QUOTES INSTANTLY ONLINE
3. How Do I Compare Life Insurance Quotes?
This question might be the costliest if you don’t know how. The unknowing life insurance shopper gets a list of quotes and assumes they should purchase the least expensive company.
Buying the least expensive product from a list is a great strategy when shopping for a TV, but can backfire severely when purchasing life insurance. You can apply to any company you want – but you have to QUALIFY for that rate before the life insurance company will offer it to you.
TIP: LifeInsuranceBlog uses their QQC Method to provide you accurate quotes to compare. You will be comparing quotes from only the best companies that you can get approved from. There’s no sense comparing quotes from companies that won’t offer you a policy.
4. What’s the Biggest Life Insurance Shopping Mistake?
Let’s look a common mistake that many life insurance shoppers make. This example is to show how a little mistake can raise your premiums significantly.
John Doe goes online and get life insurance quotes to compare before applying. He fills out a basic online quoter for a 30 Year Term – $750,000 policy and receives quotes. John chooses the best rate available and wants to apply with the lowest rate for $125 per month.
John’s selected a “Preferred Plus” health class rate on the quoter, but he’s unaware that he can’t qualify for “Preferred Plus.” John thinks he’s is pretty good shape, but he actually has a few health issues, takes a medication and is a little overweight.
Fast forward a few weeks and John receives notification that he was approved – but at a premium higher than he applied.
Let’s see how LifeInsuranceBlog could have saved John $544.20 per year. That’s a savings of $16,326 over the life of the policy!
- Remember, John Doe applied for life insurance at “Preferred Plus” but couldn’t qualify for that rating (see image #1 below).
- He actually qualified for “Standard” with the company he applied with (see image #2 below).
- John should have used LifeInsuranceBlog’s QQC (Qualified Quote Comparisons) to review before he applied. If he did, he would have applied with the best company he could qualify with which would have saved him $544.20 (see image #3).
John Doe should have applied with American National, because he qualified at a “Standard Plus” rating with them. John didn’t know that each company will look at his specific health differently. If he did, he’d be saving over $16,000 over the life of his policy.
5. What About Life Insurance Products & Options?
LifeInsuranceBlog not only has access to over 60 top rate life insurance companies, but you’ll also get access to all their products.
Shoppers love choices and products that fit there exact needs. These are just a few examples of what is available to you:
- No Medical Exam Life Insurance
- Instant Issue Life Insurance (Get approved immediately)
- Guaranteed Issue Life Insurance
- Guaranteed Universal Life Insurance (Policies made to last to age 90 up to 121)
We’ll answer your questions about what you’re looking for and even provide some options and products that you may not even be aware of.The final decision is yours, but we’ll provide you all your life insurance options.
You simply choose what works best for you.
6. What About Life Insurance Underwriting and Qualifying?
Perhaps the most important aspect of shopping for life insurance is having your agent research who you can qualify with. Applying for the best policy that you can qualify for at the lowest rate can only occur when your agent does the appropriate research.
Every shopper is unique and so is every life insurance company. Every life insurance company has unique underwriting guidelines.Some are more strict and some more lenient. Some are better for certain health conditions, tobacco use, ages, occupations, etc. The key is finding the life insurance companies that will give you the best offer for your specific health, lifestyle and goals.
7. What Preexisting Conditions or Risks Affect Life Insurance?
Your current and past health history may or may not have a dramatic effect on qualifying for life insurance. There are hundreds of life insurance companies on the market – each with their own underwriting guidelines. Each company will have access to your current & past health conditions, hospital visits, medication database, doctors, specialists, and Motor Vehicle Reports.
When you have preexisting health conditions, your agent should take the time to get specific details on them. LifeInsuranceBlog are experts in underwriting. No matter if you have diabetes, heart conditions or other impairments. We’ll save you time and aggravation by separating the life insurance companies that will deny you from the ones that will give you the best chance at coverage.
Buying the Best Term Life Insurance
We speak with people everyday who are overwhelmed with the life insurance buying process. We make it simple.
We’ll take the time to get to know you & understand your situation. We provide you all the quotes and options that you qualify for. We help you apply and update you through the entire process – even up to your approval.
We even make sure your policy is the best rate after your approval!
TERM LIFE INSURANCE CHOICES
Life insurance with a medical exam is typically offer the most affordable policy. Underwriting takes approximately 4-6 weeks to complete. This is a great option for those who know their health status & visit their doctors regularly.
Life insurance without a medical exam is pricier, but is beneficial for many people. It is a great option for those who want a policy quickly, don’t like needles and want simplicity as well as the convenience of not having a medical exam.
In less than 15 minutes, you can secure your future with an instant issue life insurance policy. Answer a few qualification questions and you can get up to $150,000 in coverage to age 100!
NO HASSLE LIFE INSURANCE SHOPPING
Do you feel overwhelmed shopping for your life insurance policy? It’s hard not to when there are so many companies, choices, policy options and benefits.
Most consumers need a little guidance when buying life insurance because it can be a complicated purchase. Even basic products like a $100,000 20 year term life insurance policy can be tricky.
There are many factors that will determine which company you should apply with. Your age, health, lifestyle, weight, and other factors can make a huge difference in which life insurance company will offer you affordable coverage. If your agent isn’t asking you details about these factors, you may likely by applying with a company that won’t be best for you.
Will you qualify for the company that offers the lowest rate? Each company has different underwriting guidelines. Applying to the wrong company can be a huge mistake and waste of time.
Don’t waste time guessing. Contact us now at 888-411-1329 and we’ll personally help you with your life insurance needs. Think of us as your personal life insurance shoppers. We’ll answer all of your questions. We research all of the companies for you. We provide you all of your options and when you’re ready to choose, our online application is simple and convenient.
COMPARE LIFE INSURANCE QUOTES INSTANTLY
Instant Life Insurance Quotes
Use our exclusive free Quote Engine to compare instant online term life insurance quotes from over 60 of the country’s top life companies. Find rates on Non-Medical exam and Instant Issue policies too!
Pick Your Life Insurance Policy
Once you have ran your online life insurance quotes it’s easy to choose a policy and the price you like from over 60 carriers. We are impartial about which life insurance carrier you choose.
Online Life Insurance Application
Apply directly online, & get your own personal independent life insurance agent who’ll assist you at every step. We help make sure you can qualify for the best rates before you even buy.
LIFE INSURANCE FAQ
How Do I Get the Best Life Insurance Rate?
Get Affordable Life Insurance Quotes Instantly
You need to start off with the right agency who will take the time to find which companies will offer you the best chance at securing life insurance. We are an independent life insurance agency and represent over 60 of the highest rated term life insurance companies.
Simply use our life insurance quote tool to get current quotes and see which companies have the best term life insurance rates. You will also see the A.M Best Rating for each company, so that you know you are comparing term rates from top rated life insurance companies.
Our personal service can’t be beat!
We’re not like other insurance websites that sell your information and bombard you with phone calls. At the LifeInsuranceBlog you are coming direct to the source. We are independent agents and don’t sell or share your information with anyone.
When you choose us for your life insurance needs we take the time to get to know your situation and make sure you’re not applying with companies that will not offer you the best rates.
In addition to getting quotes on our site you can call us at 888-411-1329, or chat with a live agent right on the site.
How Are You Different Than Other Agencies?
Life Insurance Experts
Our expertise is in helping match you with the right life insurance company for you. Since life insurance companies have different guidelines for how they price someone for life insurance, you want to choose the highest rated company that will offer you the best rate.
For example while one life insurance company may not offer you their best rates based on your cholesterol levels while another company may offer you their best rate since they have more flexible guidelines.
Online agencies and call centers often use “churn and burn” tactics. Their goal is to submit as many applications as possible by quoting you at “Preferred Plus” even if you can’t qualify for that rate in hopes you apply with them.
Our goal is to find the right company for your situation. We are experts in understanding life insurance company guidelines and knowing which company will offer you the best term life insurance rates. Let us do the research for you. We’ll present you with all your options and let you know the best companies available for your budget, goals, and health.
How Do I Buy Life Insurance on LifeInsuranceBlog?
How To Buy a Term Life Insurance Policy on LifeInsuranceBlog.
We make the process of buying a term life insurance policy quick, convenient and easy.
- First, use our instant life insurance quote tool to get term life insurance rates from more than 60 life insurance companies. Once you receive the results from our quoter, review the term life rates and choose the life insurance company you would like to apply with.
- Then simply click on request application or call us at 888-411-1329. Once we receive your application request, one of our agents will contact you to make sure that is the best company and rate available. You can then easily complete the life insurance application over the phone.
- Once completed you will be able to sign your application online with an electronic signature. No agents have to come into your home!
Shop when it’s convenient for you. If a medical exam is required we will also schedule a paramedic to come to your home or office for an exam at no charge to you.
Once approved, your policy will be emailed or mailed to you and your life insurance policy will be in force.
Can I Get Life Insurance Without A Medical Exam?
No Medical Exam Life Insurance
We specialize in term life insurance policies both with a medical exam and without a medical exam. No Medical Exam life insurance policies are available for up to $250,000 of coverage.
You will typically pay a little more than a fully underwritten term life plan that has a medical exam.
However, there are those that don’t mind the added cost due to its convenience. With a no medical exam policy you can have coverage in less than 24 hours.
If you need a life insurance policy quickly, or simply don’t want to have a medical exam done then we have several term life insurance companies that offer no medical exam policies.
What if I Have Health Issues or Pre-existing Conditions?
High Risk Life Insurance
Whether you have a minor or major health condition, it’s imperative that your life insurance agent researches all of your options. Not all life insurance companies are the same when it comes to qualifying for their policies. Some are much more lenient than others depending on your condition.
We specialize in high risk life insurance and finding these companies that ultimately saves you money, time and aggravation. If you have been previously declined for life insurance it doesn’t mean you can’t qualify for coverage. We are impaired risk specialists and offer various types of coverage if you are considered high risk.
We have had success helping Type 1 and Type 2 Diabetics get approved for coverage. We have also helped individuals with a history of cancer and heart disease, as well as people suffering from Multiple Sclerosis, Hepatitis C, Crohn’s Disease, and other conditions that you may have been declined for.
We evaluate your situation and tell you which options are available to you. Whether it’s a regular life insurance policy,a simplified issue, or guaranteed issue policy. We have been able to help many people who were previously declined for life insurance get approved for coverage.
If you want to get term life quotes use our instant quote tool. If you would like to discuss a high risk life insurance policy or any of the best term life insurance companies we represent, call us at 888-411-1329. By: Michael Quinn
What Pre Existing Health Conditions Can Get Life Insurance?
Are you wondering if a certain condition will eliminate you from qualifying for life insurance? Be sure to check our page of Pre Existing Health Conditions. We are constantly adding articles on health conditions and how they relate to life insurance. Don’t see a health condition listed?
Call us at 1-888-411-1329 and we’ll be happy to help answer your questions and provide you information on how to secure coverage.