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Home / Insurance / Where to buy life insurance in 2020 // Tips & prices

Where to buy life insurance in 2020 // Tips & prices

You know you need life insurance but there are several ways you can get it and figuring out the best way to buy life insurance can be confusing due to the various options.

But here's the thing:

  where to buy life insurance

There is really only one way you should buy life insurance 2019 because any other option will take up too much of your time.

this post today, i will go through all the ways you can buy life insurance and then explain which option is best and why.

Where can you buy life insurance?

There are seriously about 5 different ways you can buy life insurance, and I list them below:

Via an agent (personally)

When people buy life insurance, the first thing they often think about is finding an agent who helps them to get coverage. [19659002] They also hate the idea of ​​having to go over things with an agent and d back and forth.

The process usually goes like this, you reach out to an agent, and they will create a time to come to your home and visit you.

When they are at home, they go over some products and quotes with you and try to help you complete the application and get started with the application process.

After a few weeks, you will probably hear back from them about your policy whether you have been approved or not.

It is probably the process that takes the longest for you to get life insurance.

From your bank

You may find it strange to find out that people buy life insurance from their bank, but studies have shown that more people buy from their banks than we once thought.

The only issue is that most banks only offer one product and usually do not sell much life insurance directly.

You find yourself buying coverage that you may not understand, and if you go down with a banker, they probably only offer a fixed product at a fixed price.

Buying from a bank may not be the best product or price for you and your family.

From an agent (over the phone)

This is the area I specialized in and sell life insurance by phone.

I did this for over ten years and did a great job helping customers understand insurance products and chasing after them to buy.

As an independent agent, I offered several products but was also commission based, so even though I am To help my clients, I still needed sales to make a living.

This would mean that until you say "Say El, stop calling me" I would probably keep calling until we got you covered.

Of course, some people loved me, and others immediately cursed me for shouting too much.

Independent agents will be able to receive awards from several companies and can send an email app to start the application process.

This will be the second fastest way to get life insurance.

100% online

Buying life insurance online is one of the latest ways to buy life insurance.

You can shop and buy life insurance in the same way we do everything else like shopping on Amazon.

type of life insurance is sometimes known as simplified life insurance issue or no degree life insurance, and you get to buy right away and fast.

There is no alternative faster than buying direct life insurance online.

Through Your Job [19659010] Your job will usually only give you 1X (times) your annual income in life insurance.

So if you earn $ 50,000 a year, you get $ 50,000 life insurance, sometimes it's free, sometimes it's free.

However, I do not recommend that you have any life insurance from your job as your primary life insurance.

This is because if you leave that job you will lose your coverage and it is usually nowhere near coverage for your family.

If you earn $ 50,000 a year, you should have at least $ 500,000 in life insurance.

Life insurance easy.

Agents not required.

Get quotes and sign up online without talking to an agent. But we're here if you need us.

Unoriented, expert advice.

Get objective insurance training from licensed experts and also avoid dumgy sales calls.

Coverage in minutes.

You can get life insurance coverage within minutes of receiving your quotes and application.

So, where is the best place to buy life insurance?

I will say hands down, the best place to buy life insurance is online, and here is why:

Buy at Your Own Speed ​​[19659050] When it comes to buying something that is the worst feeling to have is the buyers' regret, it usually comes from rushing into a buying decision.

When you buy online, you get to buy the policy that works best for you when you are ready.

But remember:

While you can buy at your own pace, that does not mean you should postpone to never get coverage.

Get Instant Coverage

The best thing about buying online is that you can immediately be approved for coverage and pay for your policy in under 5 minutes.

You can avoid the usual 75-day waiting period that comes with buying life insurance in the traditional way.

There is no faster option when it comes to buying life insurance.

No medical examination

The thing that has prevented people from enjoying the purchase process for life insurance is to conduct a medical examination.

By buying online, you get the opportunity to bypass the medical examination and you do not have to schedule an appointment with an examiner.

By passing the test, you significantly reduce your waiting time.

This benefit alone really trumps the other options.

Avoid Lots of Agent Phone Calls

If you submit your personal information when trying to obtain life insurance services, you will probably be called from over 100 agents.

Trust me, I used to be one of the agents who called you until you told me to stop.

I have a whole article on how I can get life insurance services without phone calls from agents.

Go straight and buy online to avoid all these calls.

Reviews Are Online

The best thing about buying life insurance online is that you can check out reviews about each company.

These reviews will go into detail about the insurance company as well as the products they offer.

You can also find personal reviews from people who have bought to see how their buying experience went as well as how the company manages their customer service.

It does not cost more

The level of life insurance is controlled by the state in which you live.

It will not cost you more money if you buy from an agent or go directly with an insurance company.

So if you're in a situation where you need to talk to an agent, you do not have to worry about paying them for anything.

What is the best company to buy from?

While there are some excellent life insurance companies that have no degree period to choose from, we have not found anything better than Haven life.

Check out our quick overview of them below:

  haven life logo large

About Haven Life Insurance

Haven was the first participant in life insurance space to offer a 100% life insurance process online.

Haven is supported by Mass Mutual which has been around for over 100 years and which today has an A + (Superior) rating with AM Best.

Haven believes that large life insurance should be affordable, comfortable and smart.

And all as simple as buying another gift for your loved ones.

  • Available for ages 18 to 65
  • Coverage amounts to $ 50,000 to $ 3,000,000
  • Available Nation Wide
  • No Physical Degree Life Insurance Available
  • Tobacco and Non Tobacco Prices
  • E-Signature and simple application process
  • No Waiting Time
  • Accelerated Underwriting

Riders & Options

Haven Life offers the Accelerated Death Benefit rider as an added benefit for policy at no extra cost.

This rider is commonly known as a living benefit rider and can be used to pay a percentage of the death benefit while the insured is still alive if they are diagnosed with specific conditions.

y Insurance Thinking

Haven Life is the most affordable no degree and fully guaranteed life insurance products. They have a very simple online application and the process requires no agent. We see customers go from application to approval within 15 minutes.

Want more information? Check out our full review of Haven life insurance.


Now that you know where to buy life insurance, you should not waste another minute postponing it.

There is no need to wait when it comes to buying life insurance.

The longer you wait, the more expensive insurance will be, and it will also be harder to get.

You can get quick quotes and buy your insurance online and quickly by clicking the button above, and you can also check out any of the reviews we discussed above.

It's amazing that you know you need life insurance, now it's time to get to it.

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