Life insurance quotes make me save money?
Life insurance quotes are worse than worthless. First, any quote given doesn’t take into account your health or other underwriting criteria, so they’re rarely reliable. More importantly, comparing quotes is a good indication that one is paying far too little attention to the objectives that the insurance is attempting to meet. Anyone selling life insurance by price is probably not qualified to properly analyze the financial need. Life insurance should only be obtained as part of a comprehensive financial plan. An insurance salesperson (agent, broker, etc.) is typically not an appropriate source for this type of planning. Price shopping life insurance is a great way to ensure that you’ll make a terrible decision.
Life insurances are usually difficult to compare solely base on price. However, even though I am a life agent, I suggest you to talk to more than one life agents before you make a decision. Even though comparing price only is going to be difficult because different companies offer very different product combinations and services, talking with agents will increase your knowledge to make educated decision. I will not bad mouth financial advisers like other people, but financial advisers will charge you fees for the advices. The fee is going to be an addition to the commission that a life agent is getting. This is because life insurance can only purchase through life agent. Financial advisers cannot sell you a life insurance without a life agent. Moreover, I cannot speak for all the life agents, but life agents from New York Life were fully trained by New York Life before they serve you. Please feel free to contact me or any life agents for more information