Free Insurance Quotes: Life Insurance

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Understanding the Importance of Free Insurance Quotes

Understanding the Importance of Free Insurance Quotes

In today's world, securing the right insurance is crucial for protecting your assets, health, and overall peace of mind. However, the process of finding the right insurance policy can be overwhelming, with numerous providers and countless options to choose from. This is where free insurance quotes come into play, offering a valuable resource for anyone seeking the best coverage at the most affordable price.

What Are Free Insurance Quotes?

A free insurance quote is an estimate provided by an insurance company that outlines the potential cost of a policy based on specific information provided by the applicant. These quotes are typically offered without any obligation to purchase the policy, allowing individuals to compare different options before making a decision. Free insurance quotes can be obtained for various types of insurance, including auto, home, health, and life insurance.

Why Are Free Insurance Quotes Important?

1. Comparison Shopping:

One of the primary benefits of obtaining free insurance quotes is the ability to compare prices and coverage options from multiple providers. This comparison shopping is essential for finding the best deal and ensuring that you are not overpaying for coverage. By evaluating different quotes, you can identify which insurer offers the most comprehensive coverage at the most competitive rate.

2. Informed Decision-Making:

Free insurance quotes provide you with detailed information about the coverage options, deductibles, premiums, and any additional features or benefits. This information is crucial for making an informed decision about which policy best suits your needs. Understanding the specifics of each quote helps you avoid any surprises down the line and ensures that you select a policy that aligns with your requirements.

3. Budget Planning:

Knowing the cost of potential insurance policies in advance allows you to budget effectively. Free insurance quotes give you a clear idea of the financial commitment involved, enabling you to plan your expenses accordingly. This is especially important for long-term policies like life insurance, where understanding the cost implications over time is vital.

4. Negotiation Power: Having multiple quotes at your disposal can provide you with leverage when negotiating with insurance providers. If you receive a quote from one company that is significantly lower than others, you can use this information to negotiate better terms with your preferred provider. This can result in lower premiums or enhanced coverage options.

How to Obtain Free Insurance

QuotesObtaining free insurance quotes is a straightforward process. Here are some steps to help you get started:

1. Research and Identify Providers:

Begin by researching insurance providers that offer the type of coverage you need. Look for reputable companies with positive customer reviews and a history of reliable service.

2. Use Online Tools:

Many insurance companies offer online tools and calculators that allow you to input your information and receive a quote instantly. These tools are user-friendly and provide a convenient way to compare different policies

3. Consult with Agents:

If you prefer a more personalized approach, consider consulting with insurance agents who can provide you with quotes from multiple providers. Agents can also offer valuable insights and help you understand the nuances of different policies.

4. Provide Accurate Information: When requesting a quote, ensure that you provide accurate and complete information. This includes details about your age, health, driving history, property value, and any other relevant factors. Accurate information ensures that the quotes you receive are as precise as possible.

Conclusion

Free insurance quotes are an essentital tool for anyone looking to secure the best insurance coverage at the most affordable price. By taking advantage of these quotes, you can compare options, make informed decisions, plan your budget, and potentially negotiate better terms. Whether you're seeking auto, home, health, or life insurance, obtaining free quotes is a crucial step in finding the right policy to protect yourself and your assets.

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Life Insurance Quotes : You know the terms before speaking with your agent

8:59 PM Insurance Claim, Insurance Tips, Life Insurance No comments

Life Insurance Quotes : You know the terms before speaking with your agent

It is to schedule a meeting with your life insurance agent can be a threat. It is thrown around all the jargon and life insurance policy may be difficult to maintain the support. But you go in prepared, know your life insurance by the terms and definitions, you should be able to continue and will do the right questions to get the best life insurance for your needs.

Before talking to an agent, your agent will throw around the term life insurance to know. The following is a list of the most prominent helpful, often chaotic, life insurance policy you should be familiar with.

Life Insurance Terms

To start the list, let's start by distinguishing the main types of life insurance:

Permanent life insurance

Permanent life insurance the most popular, and most support life insurance. Eternal life insurance policy, you will benefit from for the rest of your life, you continue to pay the premiums. In addition, if necessary, you can borrow money from your policy, with profit life of the account.

There are three types of permanent life insurance: life, universal, variable. Eternal life is another term life insurance, universal insurance policy for a flexible premium you pay more freedom and pictures in savings accounts. Variable life insurance policy should allow for more flexibility, you can change the value of the investment policy, however, can still receive a lifetime benefit to your regular payment of premiums.

Life insurance

Term life insurance policy, you can usually get a range of life by providing low rate, however, it is only fixed for a certain period of time. Beyond that time, you can join more coverage, but will usually achieve a higher rate. If you are convinced that you need a insurance for only a certain period of time, life insurance is that when the best option.

Non-Medical Life Insurance

If you have a poor health record, but still need life insurance, term life insurance you non-medical insurance can be raised in a conversation with your life insurance agent. Non-medical life insurance cost may be costly, but almost everyone can be guaranteed in the form of life insurance.

The final cost of insurance

The final cost of insurance is a form of life insurance that you can get later in life, you will help to prepare for death by providing the cost of your death expenses, as well as to provide some money to your beneficiaries And so on. If you have a hard time buying a life insurance your insurance agent, you can get a term life insurance, your health record is likely to get rejected in the case or any other life insurance in good shape. The final cost of insurance is smaller than most other life insurance, but still provides a way to help the family after your death.

Burial insurance

If you are older, less qualified and other types of insurance, burial insurance, term life insurance is to get to know you better. It is very similar to the final cost of insurance, but insurance is offered for your funeral burial expenses, but it comes with affordable premiums and easily obtained. If your family is stable, you are lack of funds, or money saved elsewhere, then buried insurance is something that you can offer a life insurance agent.

Now that you are familiar with the basic types of policies now touch the life insurance policy you should know:

Death benefit

Sum death benefit of your life insurance is paid to the beneficiary after you pass away. This predetermined amount, the insured person that you choose based on your income and the amount is required for the beneficiary's death. A higher death benefit, should support a high premium is typically funds.

Beneficiary

When you buy your life insurance, you will need to determine who your beneficiary, or the beneficiary, if you select more than one individual. Beneficiaries will be the recipient of the payment of the death benefit after passing away. It can be a difficult choice picking your beneficiaries, so you have to think about who to support financially and who need it most after your passing, your spouse or children and so on.

Cash Value

Cash value, you can use a particular type of permanent insurance policy or the whole something. You can take the form of cash value of your policy if you wish, come death benefit of the policy. Depending on the policy, you can accumulate cash value you can invest to achieve a high return on your premium. If you find the time to pay a premium hard arrives, until you can get back on your feet you can borrow from your cash value to pay premiums to help and keep your policy.

Premium

Premiums, what you have paid over a period of time to support your range. These monthly payments may come, quarterly, half-yearly or annually, the cost of your premium is due on the amount of risk that you decide on the acquisition process.

Factor

There acquisitions can deal of confusion, but its point is to determine your risk so that you can figure out if you need a carrier and contractor insurance, the premium rate is what you need.

By educating yourself about these life insurance policies ,, you can enter the office more credibility and agent, and leaving more suitable insurance policy for your needs.

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15 Reasons You Need Life Insurance Before 40

12:43 AM Life Insurance No comments

15 Reasons You Need Life Insurance Before 40
By: Gary Lardy

Is life insurance really necessary in your 30s? After all, you’re young. You’re healthy. You’re going to be around for a long time, right? Diem Brown knew better. Ms. Brown, a former MTV Real World star battled cancer three separate times in her life over an 11-year period, starting at the age of 23. Sadly, she lost her fight this past November, at the age of 34.

You think you have all the time in the world. Until you don’t. That’s why today, we’re going to give you 15 reasons why you should get on board with life insurance before you blow out the candles at your 40th birthday party.

1) Payments from your life insurance policy after you pass on can help your family to recoup any costs that your health insurance didn’t cover.

2) Insurance ensures your funeral costs and personal debt are covered if you were to pass on unexpectedly.

3) No kids of your own? No problem. You can name your favorite charity as a beneficiary and leave the proceeds to them.

4) Life insurance is your chance to leave your loved ones with something to remember you by without having to sock away extra money.

5) Insurance can supplement income for your spouse in the event of your death.

6) Money left to your beneficiaries can double as an extra college fund upon your passing.

7) Unused funds set aside for long-term care will be awarded to your beneficiaries if you don’t need them.

8) Death benefits are not taxed (depending on the policy amount and the state where the deceased person lived).

9) Your rates are cheaper now than if you wait until you turn 40.
10) Since you’re starting earlier, you have more time to increase your coverage as you make more money.

11) Pre-existing conditions are looked upon more favorably (especially when you have the condition under control), because the premise is you’ll live longer when you are proactive in managing you health.

12) You’ll have peace of mind for years to come.

13) You’ll be able to supplement your employer-provided life insurance with your own policy.

14) An affordable way for you to cushion yourself and your family for future financial obligations.

15) The sooner you sign up for life insurance, the less time you have to think about your own mortality.

The unthinkable doesn’t discriminate and can strike any of us at any age and at any time; it’s completely out of our control. However, you can control how well your family is protected in the aftermath.

Do the right thing for yourself and your family, visit our quotes page and start on the road to a brighter future.

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Life Insurance: How to Keep Your Special Needs Child Thriving with Life Insurance

6:31 PM Life Insurance No comments

Life Insurance: How to Keep Your Special Needs Child Thriving with Life Insurance

By: Gary Lardy

Parents wish for their children to have a better life than they did and try to shape their children into independent adults who will succeed once they leave the safety of the nest.

As the parent of a special-needs child, providing for your child is a life-long endeavor because you understand you are responsible for your child throughout their entire life. And depending on your son or daughter’s condition, there is a very real chance that they’ll outlive you.

If that happens, who will care for your child? Who can you trust with the well-being of your son or daughter?

At IntelliQuote, we’ve learned that preparing for these tough questions today will help ease your mind tomorrow. We understand that raising a special-needs child can sometimes feel like a hurricane uprooting all certainty in the blink of an eye. Today’s post explores four ways that a life insurance policy can be used to help anchor you and your family amid the turbulence.

1) Who can you trust with your trust? As the parent of a special-needs child, you advocate on your child’s behalf 24-7. They need a cheerleader in their corner, someone who will make sure their needs are attended to and will never take advantage of him or her. Taking action today and setting up a trust for your child with beneficiaries that you appoint will provide financial security and protect your child from becoming victimized in the future.

2) Housing costs: You’ve been attentive to your child throughout his or her life. Who knows your child’s personality and needs better than you? Can you say with absolute certainty that he or she will continue to receive this level of attention? What about housing needs? Would your child thrive in a group home or are they more individualistic with a need for his or her own space? Who will pay the bill for the housing option that is best?

3) Pay off medical expenses: MaryAnn Raccosta has two sons, each born with a unique set of physical conditions: James was born with liver disease, and Sam was born with a recessive metabolic disorder, which severely weakened his muscles and left him wheelchair bound. She and her husband spent the bulk of their sons’ childhood trying to keep their heads above the piles of never-ending hospital bills.

Yes, you can do your best to stay on top of medical bills when you’re alive. But what happens after you’ve you passed on? Setting up a trust in your child’s name will make sure your child’s medical bills are covered long after you’re gone.

4) College fund or specialized learning: Special-needs children eventually grow up and blossom into special-needs adults. And these days, there are options like never before. Your child wants to achieve his or her dreams just like everyone else, and you can help to fulfill that dream by setting enough money aside for a college fund or continued education.

At IntelliQuote, we realize as the parent of special-needs child, you have more responsibilities than most parents. A life insurance policy can help to ensure your child is cared for in the event of your passing.

Want to learn more about how your life insurance can help your child thrive? Receive a quote today.

“Entrepreneurship is living a few years of your life like most people won’t so you can spend the rest of your life like most people cant.” - Warren G. Tracy’s student.

Never were truer words spoken that summed up the essence of every entrepreneur. It is this dedication to success that fuels the fire that burn in their bellies. But the reality is that the road to success as an entrepreneur is often uphill and filled with roadblocks, and until you get your financial footing, you and your family need to make smart choices and prepare for all outcomes.

Today’s post will discuss in detail how term life insurance can benefit you and your family during the highs and lows of the rollercoaster ride of self-employment.

1) Necessary simplicity: Working for yourself is a reality that many wish for, but few can execute. Sure, not having to answer to a boss seems ideal, until you become the head honcho who has to wear multiple hats at any given time. The last thing you need is more stress in your life as you figure things out. A no-frills life insurance policy is the perfect solution to your complicated day-to-day life. You set the premium for the coverage you choose and the money will go to your appointed beneficiary after you’re gone.

We think that sound’s much simpler than planning out next year’s marketing strategy, don’t you?

2) Won’t lighten your wallet (too much): When you’re starting out as an entrepreneur, money is tight, so you must squeeze every drop of value from every dollar that leaves your pocket. At IntelliQuote, we understand your financial struggle, as well as your commitment to your family’s well-being. That’s why we’re proud to say that term life insurance policies, depending on your coverage, are both affordable and critical purchases that every entrepreneur should invest in. Oh and if you think moderately priced-insurance premiums are a pipe dream, you’re wrong. According to the 2014 Insurance Barometer Study, 80% of participants overestimate the true cost of life insurance protection.

3) Scale your coverage: Any successful entrepreneur will tell you that flexibility is one of the keys to reaching the top and staying there. You must be able to adapt your company to the ever-changing business environment. The same concept holds true for life insurance. As your business gains traction and your purse strings grow looser, you may want to upgrade your coverage or convert your term policy for a permanent policy to shield your family from any hard times you may fall on in the future. Some insurance companies allow policy holders to choose from either option, so you can scale your insurance coverage as you scale your business.

At IntelliQuote, we understand that the life of an entrepreneur, while exciting, is far from easy. And keeping your family protected during your quest for success is even harder. Term life insurance should ease your worries, not add to them.

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Why Life Insurance is Golden for Multi-Generational Families Living Under the Same Roof

1:24 AM Life Insurance No comments

Why Life Insurance is Golden for Multi-Generational Families Living Under the Same Roof
By: Gary Lardy

Your parents have been in your corner for as long as you can remember. They’ve always rooted for you, loved you and supported you in both times of good and bad. You made a vow to yourself long ago that you would care for them when they got older, just like they cared for you.

In theory, this doesn’t sound difficult, but in reality, taking care of an elderly parent, even one who is self-sufficient, can be a nightmare if you don’t know what you’re up against.

Today’s post will delve into four things that life insurance with long-term care can prevent when you bring in your parents in your home to live with you.

1) Allows you to live a disruptive-free life: Your parent(s) may have received a clean bill of health before they moved in, but that doesn’t mean things will stay that way forever. Lisa Wendt thought the same thing, too. Her father didn’t have Alzheimer’s and was still pretty mobile when he moved in with her family at age 83. However, he did have dementia, which got worse after he moved in, severely limiting Lisa and her husband from going on vacations or even leaving the house for more than a few hours at a time.

If Lisa’s father’s life insurance policy allowed for the option of long-term care payments, she and her husband wouldn’t have had to stay tethered to their home.

2) Doesn’t put unnecessary strain on your marriage and family: As you can imagine, becoming a full-time caregiver and not being able to freely leave your home as needed can raise the tension levels to uncomfortable heights, which is what happened with Lisa and her husband. Her father’s presence not only caused some tension and fighting with her husband, but her father’s deteriorating mental state also made him more agitated, causing arguments between Lisa and her father as well.

A properly trained home-health care aide or private nurse would have been equipped to deal with the progression of Lisa’s father’s condition, which would have eased the stress in Ms. Wendt’s home.

3) Ease your own stress with a caregiver: Tension and stress don’t just exist externally; they live within all of us as well. It didn’t take long for Lisa to internalize the stress that was building in her house, and her own well-being began to breakdown.

When you pay a caregiver, they can focus all of their attention on your parent, relieving or eliminating the stress and tension that lingers within your home.

4) Live out your dreams: Do you still have dreams and desires that you want to fulfill after you retire, like owning a restaurant? If you have a little nest egg saved up, it’s possible to turn your dream into reality. However, if you have one or more of your parent’s living with you, that money might need to go toward medical bills and care for your parents. That’s what happened to Lisa’s husband: He had to put his dream on hold because his father-in-law’s bills were adding up. Lisa and her husband both had to work longer hours to compensate for the extra expenses.

As an adult, it’s admirable to want to take of your parents just as they took care of you when you were a child, but becoming the sole caregiver for a parent can often do more harm than help.

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Why Compare Life Insurance Quotes Online

1:19 AM Insurance Quotes, Life Insurance 1 comment

Why Compare Life Insurance Quotes Online

At IntelliQuote, we are proud to be one of the largest online life insurance agencies in the country. Established in 1997, we have come of age alongside many of the country’s most respected online organizations. As more and more consumers have taken to the web to research and buy life insurance products, we have proudly been here to serve. We are often asked if there are truly any benefits to comparing life insurance quotes online; a question, which we are always happy to address. In today’s post we will take a closer look at the benefits of comparing life insurance quotes online and answer that question once and for all.

In today’s fast paced world, we’re all seeking convenient solutions for many of our needs. Most of us conduct the majority of our business online. From online banking to shopping, we depend on the internet to help us complete tasks on the go. Comparing life insurance quotes is no different. The convenience of working with an online life insurance agency is simply unparalleled. We’re here when you need us!

The old adage, time is money, could not be more true. With so many personal and professional responsibilities, we’re all looking for ways to save time. Why carve out time in your hectic schedule to set an appointment and meet with a life insurance agent, when you can get the same great service and protection online? If you’re in need of a life insurance policy, or it’s time to review your existing coverage, we encourage you to compare your options online. Save yourself some valuable time and get back to the people and activities that you enjoy.

Finally, using an agency to compare life insurance quotes online allows you to review several policies at once. Rather than contacting individual carriers and requesting quotes on your own, an agency will do the leg work for you. At IntelliQuote, we work with the industry’s top rated carriers in order to save you the hassle. Not only will we request quotes from multiple carriers, we will select your most competitive options and provide a side-by-side comparison.

It’s that easy. Comparing life insurance quotes online is a convenient, time saving way to review the most competitive policies available to you. Ready to get started? Request a quote today!

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