Searching for Low Cost Life Insurance?
Who do you call? Where do you start to find the best life insurance rate?
Do you call the same company where you insure your car or home? The first question I would ask is this – is my Auto or Home Insurance carrier a “captive” company? Meaning, do they only offer ONE auto or home owner rate? Or do they shop around with many companies to find me the best auto/home price?
If your auto and home insurance is with a captive company and can only offer one rate, why then would you shop your life insurance around with a company that does not compare rates with many different carriers to find you the best life insurance price?
Your best bet is to use an Independent Insurance Agent, which has the ability to shop around with MANY companies to find the best rate.
Life insurance rates can vary substantially. An agent friend of mine had one client who was declined by one company but received a preferred rate from another. It’s true!
You might call your auto insurance agent because you like him. That’s great but why overpay for that reason?
Your life insurance will be through an “A” rated company more than likely, no matter who you go through. So why allow yourself to be overcharged just because someone insures your car or home.
An Independent Insurance Agent can help clients find the best rates on Auto, Home and Life. However, not all companies do. Some agents and companies only offer ONE rate – their own. That’s not in your best interest, necessarily.
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