Before you get a life insurance quote, you have to determine how much life insurance you need. Your needs analysis will focus primarily on who, or what, you want to protect in the event of your death. If you have several young children and a wife and a house with a mortgage, you may need a lot of life insurance. However, if you live alone or your children are out of the house, then you will need less. Once you decide how much you need, then you can pursue your quote. Whether you get an online life insurance quote or a quote from an agent, you should get several life insurance quotes and compare them.
As you shop, you will notice differences between insurance companies. Some companies require no medical exam and others only require one for more than a certain dollar amount for insurance. Some do not use agents, and others rely on agents. When with no agent’s commissions or no medical exams, companies still have marketing expenses. Even if a company advertises that it pays no commission to agents or does not require a medical exam, that does not always mean their products will be less expensive. There may be additional fees associated with the coverage, or the rates could be higher. Don’t be convinced by ads! You still need to do your homework to find the company with the lowest premium and best life insurance coverage for you.
You can either contact the individual companies directly and speak with their agents, get several quotes online, or work with an independent agent who can help find life insurance for you. Do what is most comfortable for you! If your needs are complex, or you want guidance from a professional, then you should pair yourself with a reputable life insurance agent who will give you a free life insurance quote comparison. An agent can help you conduct a needs analysis, find several quotes, and help you compare them before you select the right policy for you.