I recommend starting with a policy amount. There are “life insurance calculators” out there but here is the untold secret we use; take your income and multiply it by 10. That’s a good starting point.
example: $100,000/year income you need $1 million dollar policy
100,000 (income) x 10= 1,000,000
Next, visit our Free Quoter.
There will be some health questions to answer which is simply to help better gauge your premiums. These are standard questions all life insurance companies ask- your info is safe with us.
Finally, after completing that you will be shown multiple companies and premiums to consider.
Please note that some are “no-exam or instant issue” policies and others “may require exam.”
Some policies with note “preferred.” That means you are being offered the best rates. Insurance companies have “classes” to denote your risk.
- Preferred Plus
- Preferred
- Standard
- Tabled
These are the most common classes. Policies are more expensive the higher risk you are based on your age/health.
Say you find a policy you like, you can fill out your info on-line. Within a matter of minutes have the coverage you need. REALLY!
or
If you find you still have questions or want to “shop” around some more, you can simple change your coverage amount/term length and see what those premiums look like. It’s all on-line!
You have all the control.
Rest assured- the companies we represent and have relationships with are all reputable insurance companies. We want you as a client for life-you matter to us.
You can know that you are always in good hands and your policy will always pay out if needed.
