1. 240 POINTS
    David Bracknell
    Owner/Licensed Insurance Agent, Fair Seas Insurance, Cleveland, Tn
    The best way is to contact a life insurance agent. The agent will be able to quote your insurance as well as answer any questions and explain the policy he/she has quoted you. A good tip would be to find a broker because they will be able to run quotes for more than one company and can help you get the best price and the best policy.
    Answered on June 18, 2013
  2. 215 POINTS
    Jason Fisher
    Partner, Waterway Financial Group, Myrtle Beach, SC
    You may consult several online quoting engines, but they may not tailor to your exact needs. Calling one or two local independent agents might be your best bet. Although the online quoting engines might get you a solid idea of what your premiums could like like, an agent will be able to help you adjust your coverage amount, identify any special concerns, and match your health profile with an insurance company which will rate you most favorably.
    Answered on June 18, 2013
  3. 63291 POINTS
    Peggy Mace, Certified Senior Advisor (CSA)®PRO
    CEO, Outlook Life, Inc, Most of the U.S.
    Life insurance quotes are easily accessible on the internet. Look for a website advertising "instant" life insurance quotes if you want to just compare prices for different term lengths and health classes without having to wait for someone to call you.

    However, for an accurate quote, it is essential to correspond with an agent to make sure that you are applying with the correct company with the best price for your health and other risk factors. Many people think they are a shoo in for the very best life insurance rating, but even having a parent with diabetes can cause them to pay much higher with some companies than others. 10 minutes on the phone can save you much money and frustration.
    Answered on June 18, 2013
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