Great question! The easiest way is to go to the webpage of the company that you want, and follow the prompts on the page. I'd really warn you about doing that though.Some things are safe to buy online - tickets, books, things that are "what they are," and you know for certain what you are buying. When it comes to important financial investments or decisions, you do not want to leave them to an impersonal webpage, that will not look out for you, or care about your best interests. When it comes to protecting your family, it is best to have a live agent that can explain in detail to you what you are buying, and if there are alternatives that may better suit you. Please take my advice and go to a live agent first, someone who can give you a solid price, and a better understanding of your risks and alternatives. If you would like help, please feel free to contact me, I'd be happy to help you. Thanks for asking!
Owner, Best Health And Car Insurance Rates - Instant Online Quotes, US
You can easily apply for life insurance online...If you work with an experienced broker and their reputable website. It's fast, safe and secure and constantly updated to quickly provide free online quotes at the lowest available rates.
That's our job, as experienced life insurance brokers, and consumers save time, money and frustration. You can speak to live experienced brokers or "do it alone." That way, you get the best of recent technology updates and old-fashioned service.
Co-Founder, TermInsuranceBrokers.com, Goldenzweig Financial Group, Las Vegas, Nevada
You follow the prompts on the screen. However, when it comes to life insurance, I always recommend to my clients to do a paper app. There's a lot more involved in the life insurance process than there is for some other types of coverage, especially if you have a medical history - it's a lot easier to make sure everything is in good order with a paper app than doing it online, plus you have a hard copy of everything for your records. You also don't want to apply to multiple companies at the same time - this can work against you because it'll raise a red flag to insurance companies.
There's a lot of moving parts in life insurance underwriting. You will want to work with an independent life insurance agent/broker to secure your coverage. They can help you through the process (providing quotes from multiple insurance companies, helping determine which program best serves your needs, completing the application, keeping track of underwriting, and placing the coverage in force).
If you would like help with your program, send me a message using the "contact me" button.
To apply for life insurance online, you will probably want to start by looking at quotes to get an idea of what you can afford. When a website offers free "instant" quotes, you can compare different term lengths and face amounts to your heart's content.
The next step is to call or email someone at that website to "flesh out" your quote. Talking to someone will help ensure that you get the lowest price and that you actually qualify for the policy you want to apply for. Also, talking to an agent will help you understand your policy's features and enable you to get the type of coverage that best suits your needs.
After choosing your policy, the process for application is similar to how you would apply with any life insurance agency. The main exception is that you do not have to sit down face to face with an agent.
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That's our job, as experienced life insurance brokers, and consumers save time, money and frustration. You can speak to live experienced brokers or "do it alone." That way, you get the best of recent technology updates and old-fashioned service.
There's a lot of moving parts in life insurance underwriting. You will want to work with an independent life insurance agent/broker to secure your coverage. They can help you through the process (providing quotes from multiple insurance companies, helping determine which program best serves your needs, completing the application, keeping track of underwriting, and placing the coverage in force).
If you would like help with your program, send me a message using the "contact me" button.
The next step is to call or email someone at that website to "flesh out" your quote. Talking to someone will help ensure that you get the lowest price and that you actually qualify for the policy you want to apply for. Also, talking to an agent will help you understand your policy's features and enable you to get the type of coverage that best suits your needs.
After choosing your policy, the process for application is similar to how you would apply with any life insurance agency. The main exception is that you do not have to sit down face to face with an agent.