Get Free Instant Life Insurance Quotes Online Right Now
The internet has delivered the world of information to our fingertips almost immediately
and searching for life insurance online also has become simpler than ever. You can avoid the cold calling salesperson, do your research as you want and get quotes to learn what you should be paying for life insurance, immediately and easily online!This all seems to be easy and convenient, but there is more to it than that. This article will illustrate the procedure and what to expect when getting a quote for life insurance or health insurance online from most websites, and how Life Guard Insurance differs from the rest.
Instant Online Life Insurance Quotes
The most common online life insurance quoting tool on the Internet requires you to enter some personal information, like name, phone number and email address for the instant quote form to work. This is simply a way to capture your contact information so they can sell you life insurance after you enter your information.
Not like our competition, at Life Guard Insurance we allow you to use our instant life insurance quoting tool as much as you want without having to enter your contact info. Under the quoting tool you will see Request a Quote form if you would like to contact us and have someone call you. The unlimited access to our online life insurance quotes tool allows you to research multiple life insurance products and coverage amounts quickly and easily without entering your personal information each time.
The reason other life insurance websites are asking for contact information is to try and make sales as quickly as possible. At Life Guard Insurance, we too want to help you buy the life and health insurance you need but we would want you to initiate contact so that we are not making unwanted sales calls. The internet is an incredible tool to reach interested consumers who are trying to buy products like life insurance, but it has so much more options than just quoting and capturing information. At Life Guard Insurance we believe in educating and empowering our visitors with information so that when you do decide to contact us you are well informed and know what type of life or health insurance you are looking for.
Either way, if a life insurance broker contacts you from your online quote, or if you initiate contact, you will be able to speak with a license life insurance broker about your life insurance needs. Just remember, if you enter your name, phone number and/or email into a website for life insurance quotes, you will be receiving a phone call or email follow-ups shortly after sending in your info. Actually, some forms of follow-up from a professional life insurance broker is necessary in Canada. Purchasing life insurance online directly is not available in Canada, and you do should at least speak with a licensed life insurance broker. If you are shopping and buying JUST the lowest priced policy, it may not be the best fit for you and be an issue later in life. There is still a lot to be said for meeting with a professional and experienced life insurance broker with a face-to-face meeting and talking about all your options for life and health insurance. The topic of insurance and risk management can be a challenges one and guidance from an experienced broker can be very beneficial.
The Request for Life Insurance Quotes Online
Requesting a quote is different from the Instant Online Life Insurance Quotes. Commonly, the instant quote for life insurance is limited ONLY to life insurance policies, and specifically Term Life, Term 100 and Whole Life products. You cannot get an instant online quote for Universal Life Insurance, or most health insurance products like Disability Insurance, Critical Illness Insurance or Long Term Care Insurance. These insurance policies are too complex and have too many variables to get a quick price online.
For example, lets take a closer look at Disability Insurance: the insurance company must think about your 3 main risks; health (including smoking status and age), occupation (how risky is your job), and income level (insuring only a portion of actual earned income). There are also multiple different plans from each insurance company designed to different types of works, from blue collar to white collar professionals. You can choose various options for the waiting period before benefits begin, length of time benefit payouts will last, the maximum or a lesser amount of income to be insured, and several optional riders and benefits. So, you cant just run a price comparison for the cheapest rate. The numbers would be meaningless. These plans only hold value when they are tailored to your situation.
To get a quote for a more complex life or health insurance product you can use the request a quote online form, for either life or health insurance. You will be asked to type in your email and/or phone number so the insurance broker can get you the life insurance quotes you need (or health insurance). An insurance broker will most likely need to contact you to verify certain information in order to get you properly customized life insurance quotes.
Requesting a quote from a life insurance broker is probably your best option. Either way (Instant Life Insurance Quote or Request for a Quote) you will be able to get the information you need and research your life insurance options. With the insurance quote request, the life insurance broker will be contacting you to open a discussion about your situation and needs, gathering information to deliver you a personalized, high value quote designed just for you. If you just quoted $500,000 of Term 20 life insurance through any other website you could expect a call asking if you would like to purchase the coverage. At Life Guard Insurance we will wait for you to contact us, as just running term life insurance quotes online might not mean you are in the market to buy life insurance just yet. And what if a Term 20 life insurance plan for $500,000 of coverage is not the right plan to suit your needs? A proper insurance needs analysis has not been done and you might not know all your options for life and health insurance. If all you depend on are online life insurance quotes, you might buy the wrong type of life insurance which will cost you a lot more money in the future.
Shopping for life insurance on the internet is the future
In 2009 over 54% of all people who invested in life insurance got an online quote before they bought. Shopping for life insurance over the internet is the future, but you must be able to trust the website you are visiting. The research you do, and quotes you get online are just the first step towards obtaining life insurance coverage. In Canada there is no chance to buy life insurance coverage online directly without speaking to a licensed life insurance broker or agent, at least over the phone. You have to still meet with an advisor face-to-face to determine the insurance that is best for you and fully grasp the product before you sign any paperwork.
At Life Guard Insurance we hope that online sales of life and health insurance only goes so far in Canada. Insurance is challenging, and clients need an advisor to guide them and explain how their life insurance works. Preparing a customized plan for you takes time and the guidance of a qualified insurance professional. Build a relationship with your life insurance broker, detailing your needs and concerns to him/her to get the best insurance advice before you buy. If you trust that your life insurance broker/agent has your best interests at heart, and they have access all products in the Canadian life insurance market, you will be getting the best life and health insurance you can buy.
Life Guard Insurance gives you the easiest, best online life insurance quotes.
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