Life insurance premiums have too many variables to price out a premium. However, you will find that most life insurance companies do discount their rates 3%-5% when paid annually over a monthly bank draft. This can add up over a life of a policy.
The premiums are dictated by numerous factors such as age, build, life style, occupation, geography and health to name a few. I would recommend the assistance of an experienced life insurance broker to navigate this venture.
Business Development Officer, T.D. McNeil Insurance Services, Fresno, California
The annual cost for life insurance is insignificant compared to the benefit. The real cost is when you die without appropriate coverage. Of course, then someone else pays. Find an agent that you trust and discuss the matter thoroughly. Listen to his recommendations. If you apply makes sure the agent is diligent in recording your answers. Make sure that the policy issued is exactly what you wanted.
Easy to find out. Many life insurance agencies have an online presence and offer instant quotes based on your age, health, coverage desired, and how long you want the coverage.
The one thing you may not be able to answer right off the top of your head, though, is how much coverage to get and for how long. No worries, once again technology can help. A lot of these same websites offer a convenient calculator to help you estimate your needs.
Don't worry, you'll find that for the average person, term life insurance is amazingly inexpensive.
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The premiums are dictated by numerous factors such as age, build, life style, occupation, geography and health to name a few. I would recommend the assistance of an experienced life insurance broker to navigate this venture.
The one thing you may not be able to answer right off the top of your head, though, is how much coverage to get and for how long. No worries, once again technology can help. A lot of these same websites offer a convenient calculator to help you estimate your needs.
Don't worry, you'll find that for the average person, term life insurance is amazingly inexpensive.
I recommend thinking about how much coverage your family may need. From there, you can have a meaningful conversation with an agent.
More then likely, I think you'll be amazed at how affordable Life Insurance can be!