Tag Archives: Brian Stevens

Life Insurance Rate Quotes – Where to Get the Best Rates

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Few people like to think about dying, but buying life insurance is a necessary way to make sure your family is provided for in case of your death. Where can you get the best life insurance rate quotes? Right at your computer!

Using the Internet to Choose Insurance

When you need to buy life insurance, the Internet can be an excellent resource. First of all, you can use the Internet to research and find answers to some basic questions like:

* Do I really need life insurance?

* How much do I need to buy in order to provide for my family?

* What are the differences between term, whole life, and universal life insurance? What kind should I buy?

Once you have decided on the best answers to these questions for you and your family, you can then use the Internet to begin searching for the best life insurance rate quotes. All you need to do is go to an insurance comparison website, where you can quickly and easily get multiple rate quotes. Then you just choose the quote that best suits your needs.

What If I Have Questions?

What if you still have questions about your life insurance? Fortunately, the best insurance comparison websites have insurance professionals on-hand for you to chat with. You can ask them all your questions and get prompt, accurate answers. Some questions you might want to ask include:

* When does policy term expire?

* Is the policy renewable?

* How do I make a claim on the policy?

* Do I need to have a medical examination?

* Who should I name as my beneficiary and how can I change my beneficiary later if you need to?

* How can I save money on my life insurance premium? With the Internet, you can make all your life insurance decisions, and even purchase a policy online, without leaving the comfort of your own home!

Visit or click on the following link to get life insurance rate quotes from top-rated companies and see how much you can save. You can get more tips and advice in their Articles section.

The authors, Brian Stevens and Stacey Schifferdecker, have spent 30 years in the insurance and finance industries, and have written a number of articles on life insurance rate quotes.

Whole Life Insurance Advice – How to Get the Best Rate

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Whole life insurance is a great tool to both protect your family and grow your money. Here’s whole life insurance advice that explains what whole life insurance is and how to get the best rate.

What is Whole Life Insurance?

Whole life insurance has two components: insurance to protect your family and an investment option that builds up equity known as the cash value. When you buy this type of insurance, part of your premium pays for the actual insurance and the rest is invested.

Advantages and Disadvantages of Whole Life Insurance

The main disadvantage of whole life insurance is that it costs more than other types of life insurance. However, it also offers many advantages:

* The premium does not increase as you get older.

* The coverage does not expire as long as you continue paying the premium.

* Your cash value continues to grow as long as you hold the policy.

* You can cancel or surrender your policy at any time and still receive the equity you’ve built up. You can also borrow against the cash value.

* Your cash value is tax-deferred until you withdraw it.

Finding the Best Rate

Because whole life insurance can be expensive, you need to comparison shop in order to make sure you’re getting the best rate possible. The easiest way to comparison shop is to go to an insurance comparison website. On these websites you fill out a simple online questionnaire with information such as …

* How much insurance you want to buy

* What your age is

* What your occupation is

* How your health is

Once you submit the application, you’ll receive quotes from several A-rated insurance companies. Then all you have to do is review the quotes and choose the one that’s best for you.

If you have questions, or need advice on how to lower your premium, the best insurance comparison websites have a chat feature so you can talk online with insurance professionals (see link below).

Visit or click on the following link to get whole life insurance rate quotes from top-rated companies and see how much you can save. You can get more tips and advice in their Articles section, and get answers to your questions from an insurance expert by using their online chat service.

The authors, Brian Stevens and Stacey Schifferdecker, have spent 30 years in the insurance and finance industries, and have written a number of articles with whole life insurance advice.

Life Insurance Comparisons – How to Find the Best Companies and the Best Rates

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It’s amazing how much rates can vary from one life insurance company to the next. It’s also amazing how service can vary. Here’s how to make life insurance comparisons between companies so you can get the best rate with a reliable company.

What’s the easiest way to compare life insurance rates?

Prior to the Internet you either had to spend your time going from one life insurance office to another to get rate quotes, or call agents on the phone. And many agents wouldn’t give you quotes over the phone because they were trained to get you into their office so they could give you a sales pitch.

When the Internet came along, insurance companies created individual websites where you could get rate quotes, but you still had to go from site to site to get enough quotes to compare.

Now there are insurance comparison websites where you can get rate quotes from a number of top-rated companies on one website in the comfort of your home. Talk about convenient.

In addition to providing you with quotes, the best comparison sites feature a chat service that allows you to talk with insurance experts by phone or online. You can get answers to your questions, and get advice on how to lower your premium, from independent experts, not agents trying to sell you a policy with their company. (See link below.)

How do I know I a company is reliable and will give me good service?

Most of the insurance comparison websites only do business with A-rated companies. However, if you want to make sure a company is reputable, you can visit the following websites to check them out:

A.M. Best (ambest.com) – A.M. Best investigates companies and gives them a rating based on their financial stability. Their ratings vary from A++ which is their highest rating, to D which is their lowest. I recommend going with a company that has at least an A rating.

J.D. Power (jdpower.com) – J.D. Power & Associates rates insurance companies based on feedback from those company’s customers. Their ratings go from five circles which is their highest rating, to one circle which is their lowest. Here I recommend going with a company that has a three-circle rating or higher.

Visit or click on the following link to get life insurance rate comparisons from top-rated companies and see how much you can save. You can get more tips and advice in their Articles section.

The author, Brian Stevens, is a former insurance agent and financial consultant who has written a number of articles on life insurance comparisons.