Ready to buy life insurance online? You're not alone. I do everything online nowadays, from ordering wine directly to my doorstep to learning how to make homemade hand soap.
I prefer to shop online for anything and everything versus going to a crowded mall. It is the convenience of online shopping that I am particularly fond of. I can often get answers to my questions quickly via live chat without having to call or run to meetings all over the city. This saves me time without sacrificing professional advice.
It seems like I can never get everything done on my to-do list, so my time is valuable to me. The more time I save on everyday tasks, the more time I can spend enjoying life.
You may be wondering if you should buy your life insurance online? The short answer is that it is very convenient to compare business with term insurance online and safe to do so. So why not?
»Compare: Quotes About Life Insurance
Is It Safe To Buy Life Insurance Online?
If you are wondering if it is safe to buy life insurance online, you know that our industry is regulated in a similar way as online banks and mortgage companies are. We are obligated to protect your financial information and your medical history in accordance with government regulations (and we will).
We must also offer you the same life insurance products and prices online that your local life insurance agent would personally offer you. There are no coupons or discounts when you buy life insurance online.
Through Quotacy you can see thermotations directly without giving away any contact information. We can also offer insurance from many different insurance companies, not just one, as captive life insurance agents. You can get life insurance quotes online from dozens of trusted life insurance companies like John Hancock, Pacific Life, Haven Life and many others in minutes.
Compare Quotes From Trusted Brands Online
Buying online life insurance does not have to be complicated. In fact, it's pretty simple. You can view life insurance quotes in several top rated life insurance companies directly on one screen without having to jump from site to site.
There is also no other guess if you got the best price. Your Quotacy agent is your advocate and makes sure that the life insurance company you choose through our online process is the best choice. Here's what we mean.
Not all life insurance companies evaluate certain factors in the same way. For example, some life insurance companies are easier for diabetes or a DUI history than other companies. Joining the right company can save you hundreds of life insurance premiums. But how do you know which one is the right one?
When you apply for life insurance online through Quotacy, you have many options. Choose the option you like best and after you submit your online application, your Quotacy agent will double check behind the scenes that the company you choose best fits your risk factors.
There are hundreds of risk factors that can affect life insurance premiums. As a broker, we can shop in many different life insurance companies to ensure you get the best price.
Your life insurance questions are answered
- Why should I buy life insurance?
- What type of coverage is best for my needs?
- How long does my lifetime insurance need to be valid?
- How much life insurance do I need?
- How much will my insurance cost per month?
- How can I compare online life insurance store?
- Can I apply for my insurance online?
- Do I have to do a medical examination?
- How long does it take to become insured?
Why should I buy life insurance?
You may be wondering why people buy life insurance in the first place? Here are six common reasons why people get life insurance:
- Replace lost income and support the family
- Take care of childcare or schooling
- Repay debts (credit cards, student loans, medical bills)
- Prevent sales assets ( home, car, warehouse, jewelry)
- Prevent early withdrawal from pension funds (Roth IRA, 401K)
- Pay for funeral, burial, medical bills or end-of-life expenses
You can see that most reasons have to do with compensating lost income, paying off debts or protecting your family from financial loss. Thermal life insurance is an affordable way to put a safety blanket in place, especially if you have loved ones who are financially dependent on you.
What type of coverage is best for my needs?
You may only need life insurance to protect your family for a certain period of time. This is the case for most families. Thermal life insurance is the best option and it is easy to buy online.
Honestly, permanent life insurance is often unnecessary and too expensive for many families to maintain. Most families only need life insurance to protect their loved ones when building up emergency funds, savings plans and retirement accounts.
How long does the life insurance last?
The life insurance period is 10, 15, 20, 25, 30, 35 or 40 years, depending on your age. There are also life insurance companies that allow you to adjust your insurance duration – for example 17 years.
If you die during these years (your police ), the life insurance company pays the death benefit to your family or beneficiary. This payout amount can range from $ 25,000 to $ 500,000 to $ 25 million or more, depending on how much life insurance you purchase.
How much life insurance do I need?
Financial Advisors recommend that you buy 10 times your income. If you earn $ 100,000 a year, you would buy $ 1,000,000 life insurance.
You can use our handy life insurance calculator to calculate how much online life insurance to buy.
How much will my insurance cost per month?
Forward insurance is priced according to how much coverage you buy, how long your insurance lasts and your risk class.
Your price increases:
- the more coverage you buy,
- the longer your insurance applies and
- the higher your risk of dying.
Your price goes down:
- the less coverage you buy,
- the shorter your insurance and
- the lower your risk of dying.
The easiest way to test drive your pricing is to play anonymously with our quote tool slider yourself. It will not cost you anything and you do not need to give us any personal contact information to see your pricing of life insurance online.
 How can I compare online life insurance?
The easy way to compare online life insurance is to get your quotes from Quotacy today. You can start by calculating your life insurance needs or just jump in and play with our quotation tool to see a variety of life insurance pricing tailored to your needs.
After answering a few simple questions, none of which require your contact information, you show all your life insurance options.
We only work with the highest ranked insurance companies, so whatever you choose, be sure they are financially strong and provide excellent customer service.
If you are a person who likes to know the details before selecting an option, click on the "Ratings and Information" tab on the policy options. It will provide more information so that you can choose the one that works best for you.
Can I apply for life insurance online?
Yes, after selecting an online life insurance plan that you like from your quote list, just press the orange "Continue" button. Then you can start your application online and complete it in minutes on Quotacy's website.