Term life Insurance Rates
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Using The Free Life Insurance Quote tools
By James Tobin, CFP®
Last Updated on
The quote tools are perfectly accurate if you know what your health rating is....and that can get tricky. The best practice is to check rates at two or three classes and then speak with an experienced agent who is familiar with individual company guidelines. For a "quick and dirty" look at possible underwriting outcomes for several conditions, check out the Underwriting Assistant.
Bear in mind that only about 10 percent of applicant wind up in the highest class available. One common strategy for people who are not sure about health ratings is to is to price policy options at "Standard" and hope to be pleasantly surprised.
If you would like to learn more about what terms to choose click here.?
If you are sure about the terms you are interested in, just enter your info and click "Display Quotes".
If you are not comfortable choosing your health class due to an existing, condition choose the custom quote option.
We hope to hear from you soon.
If you have any questions please drop us a note here.
Bonus: The most common mistakes people make buying life insurance and how to avoid them