To the average American, understanding insurance is a daunting task. We can’t argue that it can be confusing… and the process downright convoluted. Sometimes it seems that virtually every type of insurance policy comes with an encyclopedia’s worth of information about benefits, limitations, co-pays and more.
Life insurance can also seem a bit complicated than other forms of insurance, but the easy part is that there are basically only two main types – term life insurance and permanent (cash value) life insurance. However, this doesn’t mean that the average, intelligent person will easily understand all the nuances of a life insurance policy at face value, nor will he or she know how to go about choosing the right plan for their budget and needs. This is why LifeQuote specializes in life insurance. Our clients come from all walks of life, and we’re passionate about applying our knowledge to finding the best plan for each customer’s unique needs.
Whether you’re seeking a plan for a specific length of time, or feel that you’d be more comfortable with lifetime coverage, our professionals are just a phone call or click away to assist you whenever you need expert insight into the elaborate world of life insurance.
Our experienced representatives aim to help you learn the “why,” “what” and “how” of life insurance. What is a pure death benefit? Why do you need life insurance? How can I be sure my loved ones will have sufficient financial protection should I die? We know that “insurance-ese” can be a tough language to speak, that’s why we’re here to help you – every step of the way.
The top three most important factors in getting the lowest life insurance rates are health, lifestyle and family history. On the latter, there is very little you can do to change your genetics. Having an immediate family history of cardiovascular disease, cancer or premature death will likely increase your life insurance premiums but how much will vary on the insurance company you choose.
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