5 Tips For Finding a Whole Life Insurance Online Quote

Author: Daniel Theron

A life assurance policy could help you to supply your family unit with financial surety once you pass away and can no longer provide for them. There are several methods you may use to obtain an ordinary life insurance quote. Acquiring your whole life insurance quote online is one method you may employ. Here are 5 tips for finding a whole life insurance online quote.

Tip #1. Discover what is a life assurance policy.
A Life insurance policy constitutes a contract between an insurance firm and the insured person which promises to pay out a certain sum of money to your beneficiaries in the case of your death. It also lays out the provisions of the life assurance coverage. These provisions include premiums, loan processes, face amounts of money and the appointment of beneficiaries.

Tip #2. Learn more about how a life insurance policy works.
The benefit from a life insurance policy is not for you. It is to bring home the bacon for your loved ones after you have passed away. The life assurance income is paid to those who trusted you to provide them with a dependable standard of life which they could possibly lose whenever you should die.

Tip #3: Save time by getting a quote on the internet.
If you are in the marketplace for whole life insurance you may consider obtaining your whole life insurance quote online.

Acquiring a whole life insurance quote online does not call for a great deal of research on your part. Just use one of the several insurance-related web sites that have extensive databases of insurance companies that provide whole life insurance quotes online.

Tip #4: Save money by getting a quote on the internet.
When you check for a whole life insurance quote online, you do not have to pay for the quote. It may also be conceivable to find whole life insurance online that costs less than what you might get hold of at your local insurance policy agent's business office. Bear in mind that life assurance company rates are regulated by law, therefore rates will normally be the same online and offline. So be suspicious of companies offering a rate difference that looks too good to be true.

Tip #5: Getting an online quote can be easier.
If you are planning to apply directly for life insurance, then you may discover that it is simpler to apply online. Altogether this information will enable you to arrive at the right conclusion about the best company to get your most desirable life insurance policy from.

Getting a whole life insurance quote online can be a very good and accessible way to save you both time and money when browsing for whole life insurance. The quotes are free and you are never under any obligation to accept any quote that is provided to you.

You now know a little more about discovering a better quote than you did a couple of minutes ago. If you are curious you can spend some time exploring and reading more about it on the World Wide Web.

About the Author:
Copyright 2008 - Daniel Theron. All Rights Reserved Worldwide. What You Should Know about the basics of the debate concerning life insurance and getting a whole life insurance online quote.

Article Source: http://www.articlesbase.com/finance-articles/5-tips-for-finding-a-whole-life-insurance-online-quote-498887.html

Online Life Insurance Quotes - Where to Get the Cheapest

Author: ryan@thesatellitetvguide.com

What have you bought online lately: books, CDs, DVDs, life insurance? Life insurance? Yes, you can find great prices on online life insurance quotes if you know where to go.

And Where Do You Go?
The best place to go online for fast, accurate, and competitive life insurance quotes is an insurance comparison website. Insurance comparison websites contract with insurance companies to provide you with quotes.

You can get quotes from several companies at once, making it easy to comparison shop and choose a policy that combines good coverage and a cheap price. Better yet, the service is completely free!

When you check out an insurance comparison website, make sure you select one that ...

* Offers reliable A+ rated life insurance companies. The website should state the rating of each company, but you can always check it yourself by going to a credit agency such as Standard & Poor’s (standardandpoors.com), or a consumer rating site like J.D. Power and Associates (jdpower.com).

* Has an online chat feature so you can get answers to any questions you may have from and insurance expert.

* Keeps your information private and secure.

What About Choice?
In addition to being fast and free, insurance comparison websites also offer you choices. Not just choices as to which insurance company you'll select, but choices as to which type of insurance you want:

* An inexpensive term life policy that just provides protection for your family for a set term
* A costlier whole life policy that combines protection with an investment feature
* A universal policy that also includes an investment feature but offers more flexible payments
* A no load policy that offers the benefits of a whole life policy but with limited fees

By going to an insurance comparison website, you can explore all the options available to you. So don’t stop your online shopping with the latest bestseller. Go online to find the best possible life insurance to protect your family.

Where to Get Cheap Life Insurance quotes?
Visit http://www.LowerRateQuotes.com/life-insurance.html or click on the following link to get online life insurance quotes from top-rated companies and see how much you can save. You can get more tips and advice in their Articles section, and get answers to your questions from an insurance expert by using their online chat service.

About the Author:

The authors, Brian Stevens and Stacey Schifferdecker, have spent 30 years in the insurance and finance industries, and have written a number of articles on getting cheap online life insurance quotes.

Article Source: http://www.articlesbase.com/insurance-articles/online-life-insurance-quotes-where-to-get-the-cheapest-393597.html

Finding the Cheapest Life Insurance Quote

Author: John Castanella

To start with review and understand your life insurance requirements. Figure out if you really need life insurance at this point in time or not. If you don't have any dependents, then don't go in for life insurance policy.

Consult an insurance Broker! Consult an independent insurance agent/broker to get an unbiased understanding of the market. The agent/ broker would be in a better position to synchronize your unique insurance requirements with the most affordable option available. It is known that even after procuring the policy these agents help in getting the most out of the plan.

Go the Online Way! Some of the cheapest life insurance quotes come from online insurance companies. This is because they have lower overheads as compared to traditional service providers. Also, the fact that it is easier to compare plans and rates over the internet puts additional pressure on these online vendors to downgrade their quotes.

Shop, Compare and Bargain Hard! Explore the market thoroughly. It would be one effort you would not regret. Gather the quotes for different coverage tiers in line with your requirements and then compare them judiciously. Ensure that you compare apples to apples! Keep in mind that a quote that comes with the lowest initial payment might not be the cheapest one. When you talk about life insurance, think long term. A policy with a higher premium might be a value for money plan. Once you have short-listed your best picks, it is time to sit down with the respective insurance companies and negotiate the best price. Remember, information is power - if you know the market, you can bargain hard and get the lowest possible quote.

At the end of it all, do remember that life insurance is not a mere cost, but an investment that you are making to secure your family. So, try to decide on the coverage and then try to minimize the cost.

About the Author:

John Castanella recommends that you visit http://www.instaquoter.com/life/ for a free life insurance quote.

Article Source: http://www.articlesbase.com/insurance-articles/finding-the-cheapest-life-insurance-quote-27788.html

Free Life Insurance Quotes - Where to Get the Best Rates

Author: ryan@thesatellitetvguide.com

Looking for free life insurance quotes? Here's where to get the best rates.

Why Life Insurance?
If you die, your family needs the protection of life insurance to ensure that ...

* They can continue to pay the mortgage.
* Your kids can afford to go to college.
* They can pay any medical bills and funeral costs.

If you don’t have life insurance yet, or if you need to increase the amount of life insurance you have, don’t delay. Start looking now for the best rates on life insurance to protect your family.

But I Have Life Insurance Through my Job

If your employer offers you life insurance as a benefit, that's great. However, it's probably not enough to protect your family, especially if you have young children.

Most employer life insurance plans offer an amount equal to one or two times your annual salary, while experts recommend you carry at least five times your annual salary in life insurance. Therefore, you need to get extra life insurance to fully protect your family.

Keep Your Insurance Costs Down
To help you get the best rate on your life insurance, follow these tips:

* Choose term life insurance, which is the least expensive type life insurance.
* Buy your life insurance when you're young and in good health. As you get older, your premium increases.
* Live a healthy lifestyle - don’t use tobacco, maintain an appropriate weight, and exercise regularly.

The Best Rates are on the Internet - and the Quotes are Free!
For free, competitive life insurance quotes, just sit down at your computer and go to an insurance comparison website. On these websites you'll complete a form with information about your

* Health
* Job
* Hobbies
* Insurance needs

On the best comparison websites, you can even talk with insurance professionals online or by phone and get quick answers to your life insurance questions. (See link below.)

Once all your questions are answered and you submit your form, you will then get free, fast quotes from multiple A+ rated life insurance companies. Then all you have to do is choose the best rate!

Visit http://www.LowerRateQuotes.com/life-insurance.html or click on the following link to get free life insurance quotes from top-rated companies and see how much you can save. You can also get more insurance tips there.

About the Author:

The authors, Brian Stevens and Stacey Schifferdecker, have spent 30 years in the insurance and finance industries, and have written a number of articles on free life insurance quotes.

Article Source: http://www.articlesbase.com/insurance-articles/free-life-insurance-quotes-where-to-get-the-best-rates-196753.html

Free Life Insurance Quote - Important Points To Consider

Author: Greg Haehl

Taking care of your loved ones with a life insurance policy is a wise decision. Once you have made the decision to purchase a life insurance policy there are other important decisions which must be made as well. Life insurance is not money to be dispensed at the time of your death only. It is also protection for your assets and for the future of your loved ones.

What purpose does life insurance serve?
Obviously life insurance should bridge the gap between the time of grief immediately following your passing and the return to normalcy. Life insurance planning should provide for this short term need. Life insurance must all safeguard the assets you have acquired during your life and pass on as many of those assets as possible to your estate. Make a list of the assets you have and the needs your family will have after your death.

How to accomplish your objectives

Once you have ascertained what it is you want your life insurance to do you must consider how these targets will be achieved. Most of the time making sure that the needs of your loved ones will be met requires more than just a large infusion of cash. A plan should be in place for the proper allocation of the cash received from life insurance policies. There are also tax ramifications which should be analyzed.

Consult a professional

First and foremost the best advice is to get as many quotes as possible and compare. It is free and you will learn more about life insurance faster. There are many laws, particularly laws concerning taxation, which may eat away at the value of your life insurance. Ways to protect your life insurance are available. Using a trust instrument to receive insurance proceeds is just one valuable tool available for protecting your life insurance from taxes. An insurance professional or an attorney can help you with planning your estate to avoid most if not all taxes on your life insurance policies.

About the Author:

Recommended Insurance Sites Online Life Insurance Quote, Health Insurance Quote, Home Owner Insurance Quote

Article Source: http://www.articlesbase.com/finance-articles/free-life-insurance-quote-important-points-to-consider-14632.html

Free Life Insurance Quotes

Author: Marty Weishaar

One of the first steps when you have decided to take the plunge and purchase life insurance is to find a price you can afford. The cost of monthly premiums can vary greatly between companies so it’s wise to get a few quotes before settling on one company.

Before the advent of the Internet getting life insurance quotes normally involved setting up an appointment with each company you were considering. An agent from each organization would meet with you and try and sell you a life insurance policy from their company. This would reach well beyond the set appointment time as it was common knowledge that an agent who worked on commission would move heaven and earth to capture a new client.

Luckily now you can search for life insurance from the comfort of your home without too much added pressure. There are several online services that provide individuals looking for life insurance the opportunity to gather quotes from several different companies in their quest to find the one that is right for them.

To receive free life insurance quotes online you’ll need to provide some general information. This information may include:

* Your gender; insurance rates may vary depending on gender so it’s important to include this information when shopping for life insurance.

* Your age; insurance premiums vary depending on the age of the applicant. Someone in their twenties will likely pay less than someone in their sixties.

* The amount of coverage you seek; the premiums that you pay will be reflective of the amount of the policy that you are considering purchasing. You’ll want to consider how much coverage you believe your loved ones will need while at the same time bearing in mind that increased coverage does translate to increased premiums.

* The length of the term of the insurance; term life insurance rates are different than whole life insurance rates. If you are considering a term life insurance policy you’ll need to note this when looking for quotes. Have a clear choice in mind before you begin your search.

* Personal information; this may include your name and either a telephone number or email address. The reason for this is obvious, in that, the companies who supply the quotes are interested in finding new clients and will want to correspond with you regarding your life insurance needs.

If you are wary about supplying your name and a telephone number over the Internet you can forgo this by contacting several companies yourself. On the other hand, if you are just looking for a general idea of how much premiums will cost it can be an easy alternative. There is absolutely no obligation on your part to purchase any insurance that you aren’t comfortable with.

About the Author:
Marty Weishaar is a respected insurance industry analyst and advisor who helped create one of the life insurance industry's first ELearning Centers at Efinancial.com. The Efinancial Learning Center contains hundreds of helpful articles and calculators to educate today's insurance shopper and help them make the best decisions for the financial health and future of their family.

Article Source: http://www.articlesbase.com/insurance-articles/free-life-insurance-quotes-206977.html

Tips for Finding Cheap Life Insurance

Author: Darren Yates

Cheap life insurance is out there, if you know what you're looking for. That's why it's important to do your research. You've got to educate yourself on the various types of life insurance policies that are available, including additional benefits that may or may not be offered.

Plus, you should make an effort to research your options as they relate to the various life insurance companies. It'll be to your advantage to know what you want and need in terms of cheap life insurance before you start getting quotes.

Term vs. whole life

The first big determinant of cheap life insurance is the type you select. Term life insurance will almost always cost you less than whole life insurance. Term insurance is purchased for a specific period of time, for a specific face value.

Whole life, as the name implies, provides life insurance benefits for the rest of your life, whether that ends up being 10 years or 50. Whole life insurance policies generally have a cash value aspect meaning you'll pay more in monthly premiums. The amount over and above that which is necessary to cover the premium is used for investment purposes.

Even if you do choose whole life insurance, your costs can be lower if you look around for a policy that has lower fees. The fees you want to pay attention to aren't really fees, they're commissions. Commissions can eat away at the cash value of your whole life policy. When researching, look for the term, "low load" as that generally means lower fees.

But be careful. You'll find this type of life insurance won't be cheap if you withdraw funds. When the policy's cash value is greater than the premiums paid, you'll likely have to pay taxes. A loan against the cash value may have the same end result.

Think long and hard about this type of life insurance policy; it's not meant to be a substitute for a more traditional type of investment plan. And the premiums you'll pay will be hefty.

Steer clear of guaranteed issue policies

Also when looking for a cheap life insurance policy, you won't find it in a "guaranteed issue" type of policy. These policies are guaranteed to cover anyone, regardless health. No medical exam is required but that convenience comes with a big price tag.

Because the life insurance company is taking a substantial risk by insuring individuals without knowing their state of health, premiums will be high. If you're healthy, opt instead for a traditional term policy.

If you're not healthy, taking steps to improve your health may help you find cheaper life insurance. Lowering weight, blood pressure, and cholesterol levels are beneficial steps. Kicking the nicotine habit is also advisable. The better your health at the time of application, the cheaper your life insurance premium should be.

Finally, to get cheap life insurance, purchase just what you need. Reevaluate your life insurance needs periodically and adjust upwards or down as necessary. The bottom line: Finding cheap life insurance is possible, but it does take work.

About the Author:
Find Cheap Life Insurance in the UK. You will not believe our low insurance rates. We challenge you to find lower.

Article Source: http://www.articlesbase.com/non-fiction-articles/tips-for-finding-cheap-life-insurance-33866.html