Text Size
Joomla Professional Work

The Changing Face of Insurance Sales and the Level Term Life Insurance Rate Quote

The World Wide Web has tilted the real Wide World on its axis when it comes to the way life insurance is bought and sold in the United States. Practically gone are the days when an agent would come to your house and painstakingly work through a good ol' "needs analysis". To most... this is a good thing. With the image of insurance agents matching that of Ned "the Head" Reierson from Groundhog Day, it's not uncommon for folks to prefer stapling their eyelids to a butcher block over a post dinner appointment with a sales guy harping on the inevitably of death.

After all, the only thing you want is a Level Term Life Insurance Rate Quote 90% of the time, right? This seemingly simple thing can be turned into a convoluted discussion about your net worth, income, kids and college-- and of course some awkward small talk about whether your kitchen floor is real wood or Pergo.

Now I do want to be clear... maybe you don't want small talk per se.. but you do want to know that the agent you're talking to is real person and not totally socially inept like Ned the Head. So a little chit chat can be good for that at least. If you like the agent-- you're more likely to trust him or her. And trust is important when insurance is concerned.

But the bottom line is that getting a level term life insurance rate quote is not rocket science. In fact-- right now-- you're two steps away from quoting dozens of top rated carriers. You're virtually guaranteed to find the best rates in the country from one of the providers on the next page. So getting the process started doesn't require a ton of discussion actually. (See "Free Life Insurance Quotes" above...)

Without an agent involved, however, here are the challenges you could face when running your own level term life insurance rate quote online:

  • Do you know your underwriting classification? Your age and your answers to some health and lifestyle questions will dictate your rates. Getting a quote online and not bothering to read about the differences and requirements for health classes could lead to an unpleasant surprise when your application is underwritten. So pay attention to what "Preferred Plus" or "Super Preferred" or "Preferred Best" really means... Can you qualify as perfect?
  • How can you tell who's who? Company #1 is rated "A" by A.M. Best... Company "B" is A++. Does this make a big difference?
  • Are there conversion privileges? If so... who has the best one?
  • Is the plan renewable?
  • What's the expectation with regard to underwriting time frames?
  • Does the plan come with free add-ons like a terminal illness rider (accelerated death benefit)? Most do-- but what are the specifics?
  • What about limited temporary coverage while the plan is being underwritten? If this feature is offered-- how does that work?

Answers to these questions can't be obtained by looking at numbers online in the form of a level term life insurance rate quote. So the best course of action is to go ahead and run your quotes-- making an effort to honestly classify yourself in the process. Pick the 5 or 6 lowest rates and then start asking questions to choose the best provider. Your quotes should be reasonably close together price wise-- so the task gets much easier when you know what to ask.

So it's a beautiful thing to be in position to run yourself dozens of level term life insurance rate quotes online in a matter of seconds. But be prepared to talk to an agent as well. You have the power. They all want your business after all. A good agent will give you the best available rate with the company that not only suits your sense of what you deem important-- but will also provide gentle guidance toward the company that will underwrite you the most favorably.

Remember... you're just two steps away from running a level term life insurance rate quote with the best carriers in the country. Enter your state of residence and click "Quote" when you're ready to get the level of protection your family needs at a price you can afford.