According to LIMRA, an insurance industry research organization, approximately 35 million U.S. households are without life insurance coverage. And more than half of American households say they need more life insurance. Moreover, 24 percent of households with children under 18 want to speak with a financial professional about their life insurance needs and get life insurance quotes. However, about one in four middle-market households admit they don’t know how to obtain or reach their financial goals, including buying life insurance. One of the biggest obstacles is lack of information.
According to LIMRA’s study, life insurance beat out all other sources of financial assets or income that Americans expect to use to help pay bills and to maintain their lifestyle in the event of the primary wage-earner’s death.
Almost eight in 10 U.S. households currently do not have a personal life insurance agent or broker to turn to, and most of them say they never did. In today’s market it isn’t necessary to have a personal life insurance agent or broker. The internet has dramatically changed the way we shop and purchase goods and services. Today, we can go online and buy anything – food products, cars, electronics, clothing, jewelry, houses and even insurance.
Industry experts concur that there has never been a better time to shop for life insurance online. Prices are low and rates are competitive as the nation’s top companies compete for your business – keep in mind the instant life insurance quotes you get online are the same for policies you could buy directly from the companies. With hundreds of internet-based life insurance brokerage companies providing instant life insurance quotes online, you can get quotes in a matter of minutes and have the opportunity to save big – all at no cost!
With so many sites offering competing rates and policies, finding life insurance quotes is easy. Sites like lifequote.com specialize only in life insurance. The site offers various tools and guidance to help you start considering your future financial goals and finding the right life insurance, including an easy-to-use calculator that helps you better identify your needs, an in-depth questionnaire and live chat with licensed agents – you can also reach these agents via phone and email.
With LifeQuote you are able to compare a number of instant life insurance quotes side-by-side, giving you the confidence to make an educated buying decision. Unlike other sites, LifeQuote only represents companies that carry at least an “A” rating from A.M. Best. For extra measure, to be sure of a company’s rating, check out the four leading ratings agencies: A.M. Best, Fitch, Moody’s and Standard & Poor’s against LifeQuote’s listings. You are also able to check a company’s financial performance, claims-paying ability and other factors that may be important to you.
The company’s licensed life insurance agents are available to answer your questions, going beyond simple price comparisons to help eliminate the complexity of selecting a company and level of coverage. To compare quotes, simply click “Get a Quote” and you will be taken to a questionnaire. If you’re unsure of how much coverage you need, or how long the term should be, click “Start a Chat” and talk to a live licensed agent, or if you are more comfortable on the phone, call the 800 number.
Buying life insurance has never been easier, or more convenient!