Tag Archives: Brian Stevens

Most people spend too much for their life insurance. Why? Because they didn’t take the time to compare rates. Here’s how to compare life insurance to get the best rate.

Understanding Life Insurance

There are two basic types of life insurance – term life insurance and cash value life insurance.

* Term life insurance is pure life insurance. All you pay for is a policy that pays a death benefit to your designated beneficiary when you die. This is the cheapest form of insurance initially, but your premiums increase with age.

* Cash value life insurance (whole life, universal life, variable life) is insurance plus an investment account. You pay for life insurance plus put money into a tax-deferred investment account. This is the most expensive type of insurance, but your premiums can remain level.

Which is The Best Insurance?

If you want the cheapest coverage then term life is the best insurance for you. If you’re willing to spend more for your insurance so you can have a tax-deferred investment that you can borrow against and that will go to your beneficiary tax-free, then whole life, universal life, or variable life insurance is what you want.

Universal life policies let you to adjust your premiums as well as your death benefit. Variable life allows you to choose how you want to invest your policy’s cash value.

Comparing Rates

Life insurance rates can vary dramatically from one company to the next, so if you want to get the best rate you need to do some comparison shopping.

Thanks to the Internet you no longer have to go to one agency after another and fill out form after from to get quotes. You can go to an insurance comparison website, fill out one simple questionnaire, then can get rates from a number of companies. You can even purchase your policy online.

The best comparison websites only deal with A-rated companies so you know you’ll be dealing with a reliable company. They also have what’s known as a ‘”chat” feature that allows you to talk with insurance experts to get answers to your questions without getting a sales pitch (see link below).

Visit or click on the following link to compare life insurance rate quotes from top-rated companies and see how much you can save. You can get more tips and advice in their Articles section.

The author, Brian Stevens, is a former insurance agent and financial consultant who has written a number of articles on how to compare life insurance.

Are you in the market for life insurance? Want to know where you can go to compare quotes so you know you’re getting the cheapest rate possible? You can get rate quotes quickly and easily at an insurance comparison website. Here’s how …

What is an Insurance comparison website?

You probably wouldn’t make a major purchase without first doing some comparison shopping. Shopping for life insurance shouldn’t be any different. An insurance comparison website is a fast and easy way to get your comparison shopping done without having to visit a bunch of companies or call a lot of agents.

How does it work? The website links to many insurance companies, so when you fill out a simple online questionnaire you’ll receive quotes from several different companies. On the best comparison websites you can also talk online with insurance professionals who can answer your questions and help you find the right plan for your particluar situation. (See link below.)

Why should I use an insurance comparison website?

In addition to making comparison shopping easier, there are other advantages to using a comparison site:

* You get your quotes faster so you can choose a plan more quickly and move on with your life.

* It’s easy to adjust items on your application and see how the rates change. Wondering whether to buy a $250,000 policy or a $500,000 policy? Just change the amount and you will get all new quotes.

* Comparison websites are objective because they do not receive sales commissions for selling you a policy with a particular company. You’ll simply receive quotes and be able to make up your own mind without having to listen to a sales pitch.

And of course, using a comparison website is absolutely free.

Visit or click on the following link to compare 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.

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 where to compare life insurance quotes.

The price you pay for life insurance depends on many factors, including your age, your health, your habits, and even the insurance company you choose. You can’t change your age and it’s tough to change your health and habits, but to get the cheapest life insurance possible you can choose a company with cheap rates.

What Kind of Life Insurance Do You Want?

Before you begin looking for a life insurance quote, you need to decide what kind of life insurance you want. There are two major types: term and whole life. Whole life costs more because it includes an investment feature, while term is the cheapest form of life insurance because all you’re buying is insurance.

How Much Insurance Do You Want?

The next question you need to decide is how much insurance you want. Typically, you need two to ten times your annual salary in life insurance, depending on the number of dependents you support and the amount of debt you have.

As you’re deciding how much insurance you want, keep in mind that you might pay less if you buy more because you get a bulk discount. For example, it might cost less for $250,000 of coverage than for $240,000. So always check on the cost of rounding up your amount and see if you can get more coverage for less money.

Get Quotes to Compare

The best way to get quotes to compare is to visit an insurance comparison website. There, you’ll fill out a simp0le online form with information about your health, job, hobbies, and the amount of coverage you want. You’ll then get fast quotes from multiple A+ rated life insurance companies.

On the best insurance websites, you can even get quick answers to your life insurance questions by talking online or on the phone with insurance experts (see link below).

Where to Get Cheap Rates

Visit or click on the following link to get 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.

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 how to get the cheapest life insurance.

Few people like to think about dying, but buying life insurance is a necessary way to make sure your family is provided for in case of your death. Where can you get the best life insurance rate quotes? Right at your computer!

Using the Internet to Choose Insurance

When you need to buy life insurance, the Internet can be an excellent resource. First of all, you can use the Internet to research and find answers to some basic questions like:

* Do I really need life insurance?

* How much do I need to buy in order to provide for my family?

* What are the differences between term, whole life, and universal life insurance? What kind should I buy?

Once you have decided on the best answers to these questions for you and your family, you can then use the Internet to begin searching for the best life insurance rate quotes. All you need to do is go to an insurance comparison website, where you can quickly and easily get multiple rate quotes. Then you just choose the quote that best suits your needs.

What If I Have Questions?

What if you still have questions about your life insurance? Fortunately, the best insurance comparison websites have insurance professionals on-hand for you to chat with. You can ask them all your questions and get prompt, accurate answers. Some questions you might want to ask include:

* When does policy term expire?

* Is the policy renewable?

* How do I make a claim on the policy?

* Do I need to have a medical examination?

* Who should I name as my beneficiary and how can I change my beneficiary later if you need to?

* How can I save money on my life insurance premium? With the Internet, you can make all your life insurance decisions, and even purchase a policy online, without leaving the comfort of your own home!

Visit or click on the following link to get life insurance rate quotes from top-rated companies and see how much you can save. You can get more tips and advice in their Articles section.

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 life insurance rate quotes.