Instructions on how to get best life insurance quote

How do you get the best quote for life insurance

Please use the Best Rate Calculator on the right and input your info…

Your date of birth – this is important as life insurance premium is calculated by your age

Sex – Male or Female

Are you a Smoker – Have you used any form of tobacco products in the last 12 month (up to a maximum of 12 large cigars per year are allowed)? For more detailed info on smoking and life insurance, click here. This is especially important if you smoke occasionally, or if you smoke things other than cigarettes (cigars, cigarillos, chewing tobacco, or even if you are on smoking cessation stuff like the patch, champix nicorette gum etc).

Pick your health class – there is 3 categories, and this is only an estimate and the final outcome will be determined by the insurance company. For “Excellent” you take no prescribed medication, and are generally in above average health & your labs are better than average. Yur weight is under 200 pounds for males and below 170 pounds for females.For “Average” category, (this will be the majority of people), you are average height and weight, your labs are average, you may be on some basic meds for maintenance such as pills to control blood pressure or cholesterol etc. Please try to be realistic when chosing a category, we get thhe majority of visitors chose preferred pluss (excellent), but only 25% of applicants qualify, so it shows you that most people are not realistic about what they think their health is like!Finally, it will be the underwriter at the insurance comany that decides what level of health you will qualify for , so it doesn’t matter which one you pick here. Some people prefer to be pleasantly surprised by a better rate than they thought, so it is always safe to assume average rates, and if you do get the preferred, look at it as a bonus. One more thing about health …. you my have some medical conditions which may be rated as a higher risk than even the average rate, things like diabetes, heart or circulatory issues, history of cancer etc. If that’s the case, I would recommend that you call us, because we will have to find you special rates and companies to get you insurance.

Duration – this is where you pick the length of term you want. The shorter the term, the less expensive the policy is. The best value is with the 10 & 20 year terms, and that is what most people really need. You could look at some of the longer terms, but keep in mind that they are more expensive. If you are not sure what you need, we suggest for you to call us and speak to an experienced agent that could give you more advice. Call 1-800-683-5423
Face Amount – this is where you pick the amount of insurance that you want to be covered for. Here is a tip… most people don’t pick enough, because they under-estimate what their family will need if they should pass away. One big mistake I see people make is, they pick “too long of a term” and because the longer terms cost more, they are forced to reduce the amount of coverage in order to be able to afford the premiums. That mistake could cost your loved ones hundreds of thousands of dollars. It would be better to pick a shorter term and get a higher face amount of insurance. Again, to get advice, call us.

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