Are you wondering what the best mortgage protection insurance companies are? Well, I’m Chad with Protect with insurance, and I’m going to do my very best to help you out. With that. While I’m driving my next appointment here, no one company’s going to be the best and anyone tells you that there is one company that’s the best; it’s simply not true.
There are always going to be scenarios where there are going to be other companies that are going to be better. Now that being said, some companies are bad, they’re companies that are B, or C rated companies that you’re going to avoid, what you want to do is to work with a company that’s going to be an a-rated company and a company that’s going to give you everything that you want in your life insurance policy and you will need a company that’s going to provide you with the best price possible.
Now that’s a tall order, and I understand that’s a tall order and how are you supposed to know, you don’t know what the prices are going to be unless you have a hundred agents come to your house, and nobody wants to do that, so the workaround for that is sitting with an agent that has access to at least half a dozen companies minimum and they’re all breed and have them proven to you, don’t take their word for it, if they say, oh, I can access 20 companies, or something like that, have them prove to you there are at least six or eight or ten or something like that they should have the list and they should be able to pull up the pricing for each one of those companies, and that is the way that you find out if you’re not an agent with a company and it’s not a guaranteed issue policy.
You cannot pull up the pricing unless you have that contracted accent. There are a lot of agents now that are claiming that they have this amazing access to all these companies and they might only have access to one or two or three at the most and that’s it and so their line is what they’re doing and this is a common problem.
So again, I know I’m getting a little bit off-topic, but the life insurance agent near me Prescott that the mortgage protection companies the whole bit but any life insurance companies the best ones well, the answer is to have to access to a minimum half a dozen but the more, the better of A-rated life insurance company, buy the product that you’re talking about and that should be a conversation that happens with your agent before you even meet with them because it’s a waste of your time. If they have access, if they’re a captive agent and they have access to one company, that’s very bad for you, and it can also be heartbreaking, there are quite a few appointments I come in, and people have a graded life insurance policy which is terrible, a graded policy means that you sat with an agent that only had access to a limited number of products or didn’t know their products, doesn’t know what they have available, and they put you into something with the very low health rating which means that your price is very high, and you have to wait three years for full coverage to kick in.
It’s a terrible thing, and agents should never do that, and if you have to do a graded policy, then you don’t have the right access and you should be telling your client I’m really sorry all I can do for you is great it, you should really look into meeting with another agent that has access to more insurance products and I can’t do that for you and that’s what they should tell you and how often does that happens less than 1% of the time it’s terrible, so I hope that’s a helpful thing if nothing else, it gives you a tool in your tool-belt from when you’re having a conversation with your agents or when you’re trying to find the right agent, which really should be important to you it should be a priority to find an agent, someone that you’re going to be able to trust, someone that has access to a high enough quantity of quality insurance options so that they can cross-check them and get you into the best fit possible, at the best price possible, and the highest health rating possible.
So Click the button below and I’ll be happy to do a free consultation for you and if there’s anything I can do to help you; I’ll be there for You, I could just help you and see if you’re on the right track with what you’ve got in front of you. Alright, take care.
If you are located in the Cottonwood, Sedona, Flagstaff or Prescott area and are looking for more information on affordable Life Insurance please don’t hesitate to contact us. Use the links below or call us directly at: (928) 323-0933.