Cheap Life Insurance
While many people know that they need to buy coverage to help protect their family, they don’t really understand how to purchase the right policy from a company that will provide them with a good value. Of course, the premium should not always be the only consideration, but these tips will help you buy cheap life insurance from quality insurers in your area. Low cost life insurance quotes are simple to find today on the Internet.
Tips to Shop for Cheap Life Insurance
1. Compare Quotes from Multiple Insurance Companies
When researching online quotes it’s smart to compare rates from the best rated life insurance companies in your area. Each company has different rates and those rates vary by which part of the country you live in. Even a seemingly small difference in monthly price can really add up over the years as you pay monthly premiums for your coverage. It’s always a good idea to shop around for the best deal from a top-rated life insurance company.
2. Consider Getting a Medical Exam
Having the luxury of skipping a life insurance medical exam might be convenient, but in some cases, buying no exam insurance can cost you more money. Compare these two sample quotes for a 36-year old man in California who wants to buy $200,000 worth of coverage for 20 years, is in excellent healthy, and does not use tobacco:
- No medical exam: $43.97
- With a medical exam: $15.93
Note: These are just sample prices, and your low cost life insurance quotes could be different.
In exchange for the convenience of skipping the physical, the premium could be almost $30 a month higher for a healthy individual. To be fair, the price difference might not be that much different for seniors or people who are not in very good health. But insurance companies pay for these physicals and they don’t take up a lot of time, so this is something to consider when you are shopping for coverage.
We Can Help You Find Affordable Life Insurance Online
There is no way to know which insurer will offer you the best price without comparing low cost life insurance quotes. It only takes a few minutes to make use of our simple life insurance quote form. You can see local options from top insurers on your computer or even your smart phone. After comparing life insurance quotes online, you are free to call or email for more information. In many cases, you can even start your life insurance application online. If you’re looking for life insurance for diabetics, we may be able to help with that as well.
We specialize in helping families find cheap life insurance without a medical exam. We work with some of the top companies around the nation to provide you with affordable life insurance from some of the top insurance companies in the country.