To know the best type of life insurance for you, I'd need to know some things about you.
1) Above all, what are your needs for your life insurance? Do you want a small policy to use for your funeral and other final expenses? Do you want a policy that would get your three teenagers established if something happened to you? The best life insurance for those two scenarios are very different. Discerning your purpose for your life insurance helps professionals such as myself figure out the best type and amount of coverage you need.
2) How old are you? Do you have any health problems? Do you smoke? Questions such as this give us the tools to find your best rate.
3) What is available for you? This is a questions we agents must answer. Some life insurance agents carry one brand of life insurance, others offer policies from scores of companies. Some agents will push one type of policy on you, others will hunt around for your best option, even if they have to refer you elsewhere. You can save a lot of time and frustration by starting with an agency who will go the extra mile to find your best type of life insurance, right from the start.
Business Development Officer, T.D. McNeil Insurance Services, Fresno, California
Your question illustrates the need for competent life insurance agents. Unlike the TV ads insurance products don’t sit on a shelf, where you can browse and select what you want. Instead they usually require some evaluation and analysis. A licensed agent should listen to you, provide solid financial advice and communicate clearly with you and the insurance company. Bringing together your needs, the company’s capability and making the plan affordable is the agent’s business.
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1) Above all, what are your needs for your life insurance? Do you want a small policy to use for your funeral and other final expenses? Do you want a policy that would get your three teenagers established if something happened to you? The best life insurance for those two scenarios are very different. Discerning your purpose for your life insurance helps professionals such as myself figure out the best type and amount of coverage you need.
2) How old are you? Do you have any health problems? Do you smoke? Questions such as this give us the tools to find your best rate.
3) What is available for you? This is a questions we agents must answer. Some life insurance agents carry one brand of life insurance, others offer policies from scores of companies. Some agents will push one type of policy on you, others will hunt around for your best option, even if they have to refer you elsewhere. You can save a lot of time and frustration by starting with an agency who will go the extra mile to find your best type of life insurance, right from the start.