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Budget Rates Life Insurance |
Choosing an Agent
Almost all life insurance companies sell their products
through agents, rather than directly to the public. Some
companies use "captive" agents, who can only represent
one company. Most competitive term insurance providers (such as
those featured at this site) use independent agents, who
are free to represent several companies. These agents can then
help you select from a variety of products and companies to
tailor a plan.
The premium rate is set by the company, and it cannot be
changed by the agent. The price you pay for a given product will
be the same no matter where you buy it. "Price
shopping" for an agent won't provide much information,
assuming that you have the basic product and pricing information
to know what to ask for.
So, you should do some product research first, using a service
like this, and then work with an experienced agent with
access to a wide selection of products and tools. Your goal
should be to find, and then stick with, an agent who can help
you put together the best possible protection plan for your
specific needs.
To help you get started, we have
put together a group of agents who specialize in selling low
cost term insurance using a computerized database of over 150
companies.
You can access them on-line, and they will respond to your
requirements right away.