subject: Five Tips To Ensure Your Online Life Insurance [print this page] Your stocks have plummeted, economy is shaking and your job benefits readjusted. If you are a parent, naturally, you would worry for your childrens future. Apparently, you are not alone and each year thousands of people are being added into this dilemma.
You already know that it is a big no-no to buy the first insurance quote that gets into your hands but instead do some comparison-shopping to find the gem. Simple as it may seem, but if you have ten different insurance quotes on the table, it is not anymore. What will happen if you make mistakes? You know how hard it is to pay the premiums only to discover it after fifteen years.
As they say, prevention is better than cure and that is what we are going to do right now. Below are five proven tips to avoid future headaches.
Tip #1 Investigate
If you are getting a quote from a website, make sure that the site itself is legitimate. Are the pages professionally designed or contact information clearly indicated? They normally throw testimonials alongside, do they sound authentic to you or just bluffing?
Tip #2 Case-To-Case Basis
Are you a diabetic, a smoker, or suffered heart attack recently? These and other special cases require special considerations so it is best to find insurance companies that are treating these cases uniquely.
Tip #3 Evaluate
Nothing beats a well-reviewed online life insurance quote. If you are getting your quote from an insurance agent or telemarketer, the chances of discrepancies could be high and there were reports of wrongly priced rates to support these claims. If you have a medical condition, the more you need to be vigilant on these quotes. Pay attention to the questions being asked and toss some of your own to determine if the person you are talking to understands what he is doing.
Tip #4 Dont Trust It Yet
We do not want to be cynical here, but it is always best to look for more options before actually buying the policy. Agents are trained to assess you realistically, but how would you know that they are doing their jobs truthfully? A good agent should ask you the basic questions such as being a smoker or not or some recent/past medical issues. Without it, there is no way he could effectively to determine your rates effectively. Agents who handled similar cases as yours may grant you with a best rate.
Tip #5 Suiting
There are countless of reasons why people buy insurance coverage and crowding towards very limited options. If you are looking for a short-term option to cover a mortgage or loan protection, term insurance is the right for you. Lifelong protection needs such as funnel expenses or estate settlement, a whole life or universal life insurance is much needed.
by: Joseph Hawlk
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