How do you get a real-life insurance quote?
If you’re interested in getting a real-life insurance quote, you need to speak with an agent. It requires a more in-depth interview. Obviously, you can get a quote of the rough cost but that price range can be wildly different. It might be $20 per month to $1,000 per month, depending upon your health, age, gender and lifestyle. All of these things have a certain risk category.
Many variables can impact your risk factors
Many variables can impact your risk factors. It is important to have a real conversation with an agent over the phone. Only then can you nail things down and can get a sense of your price.
You can get a price to the penny over the phone. However, a lot of agents prefer not to do this because it comes with a greater error factor. Most agents require a face-to-face meeting in order to be accurate.
If you receive a blanket life insurance quote in the mail that shows you exactly what the price is based on your age, there are a few things that are going on. Either it’s most likely going to be a Guaranteed Issue Term or an Accidental Policy. Especially if you’re looking at companies like AARP. You can do better than those.
You Want Insurance Companies that ask you health questions
What you want are the companies that will ask you health questions. If you have health problems, they’ll still give you what’s called a Preferred Health Rating. That’s what you want! This type of rating is great because it’s a policy that’s going to start right away.
There’s no waiting period of two or three years with this type of Guaranteed Policy. Most importantly, the price and the coverage will be a lot better. In fact, most of the time, it’s going to have Living Benefits and more built into their policies.
So it’s worthwhile to take 15 minutes and sit down with an agent that has great access to a lot of companies and can help you out, that can get you not only just a life insurance quote but get you a better life insurance quote, better price, better features, better product and a better company;a higher-rated company. So I hope that’s helpful, click the button below.
If we can help you with anything, please contact us at Protect With Insurance by clicking the links below for a free consultation, or call with any questions or to schedule face-to-face meeting.