My Mom thought she had insurance and it was not mature. She was very sick for months and since I am an only child I was the primary care giver. I know she died with the peace that I would not be ...
i have a son and his teeth are not straight and braces are not cheap and i dont have the money but i want to put braces for him is their a procedure i can take to get a discount off of them or get ...
I just got health insurance on Nov 1st. There is a 365 day waiting period for pre existing condtions. I got sick days later & on Nov 6th went to a doctor.(palpitations) Never before this had I ...
I had two blood tests done in June and last week I received a $500 bill from the lab. I called the insurance to dispute the charges and they told me that the lab had turned in the claim with the ...
The place I work is a small office and does not currently offer health insurance. They told us that since they are an established company, the health insurance would be very expensive if they offered ...
Hello, please comment. We do not know which is the best insurance plan would be that supplements Medicare A & B. Let's say 'relatively' money is not a consideration at this time.<...
I need a life insurance company that doesn't require MEDICAL exam;also very cheap; INADDITION, that's allows online application and immediately effective....
sorry this is kinda long.. but...
im doing a project for economics class. and we have to figure out our future, like make a resume and a job app a cover letter, and all this other stuff after we ...
ie. the road on the side is in direct contact with the wall of the side of the house..surely an insurance risk for cars...but it is a fairly quiet road.....
I had a customer come into my store and damage merchandise beyond being able to sell. She then picked up another item of the same type and took it to the front of the store to purchase. At the ...
my brother has been very ill for a year and hes not getting much better,he has a young son.i want him to have life insurance in case.i would pay the premiums.has to be one with no medical exam.any ...
She has been notified that her 2 year, company plan term has run out. She has serious health concerns and must find a replacement plan by Aug. 30th. Many companies have contacted her but she is ...
Online quotes are always based on the best rates the company can possibly give you (Super Preffered health status), so they look like they are cheapest company to deal with
It is far easier to deal with an insurance broker who can cut to the chase and tell you exactly what it will cost rather than getting a cheap quote then finding out when it's approved it will cost you a pile more becuase you aren't in impecible/abnormally good health.
There may also be a unique situation, that the online application would not look at. For example, if you are a smoker, some companies have 'stop smoking' incentives where they refund premiums. The initial quote will be more expensive than the others, but when you quit smoking it ends up being FAR cheaper. Every company underwrites a little different so a broker can assess your situation and find the best company to suit your situation.
Plus cheaper isn't always better. You might have an opportunity to pay an extra $1 to be with a company that has been around for 100 years, rather than the cheapest who might be a fly by night company that ends up bankrupt in a few years. A broker will know the good companies from the bad.
A good broker doesn't charge fees for meeting with you, so why not get the free advice from an expert rather than doing it on your own?
car253
No. Unless maybe you really know what your doing and the type of policy your picking and how it works. Since most people do not know this info it is better to see a licensed insurance agent that you explain life insurance to you.
Insurance Pickle.com
It's wise to use an insurance broker whether on or offline. Someone that can help you now and in the future....not just for a transaction.
Michael M
You need to do your research whether you buy your insurance online or through an agent. Either source will take advantage of you if you go the wrong site or agent.
If you are trying to decide whether it is safe then, yes, it is safe. Just as safe as buying anything online. I would encourage you to check your prices online at the very least so that you make sure your agent is not taking advantage of you. You should pay about the same either way.
I bought both of my and my wife's term policies online. One with zanderins.com and the other with selectquote.com.
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