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Buy Life Insurance Online

August 5, 2012

Did you know you can buy life insurance online? 

Over the past decade the internet has facilitated the purchase of just about anything online. The modern internet consumer has probably purchased airline tickets, booked a hotel room or maybe bought a holiday gift online.

Consulting with a licensed life insurance agent and viewing multiple quotes can be done online easily. Even the life insurance applications are now electronic and can be e-signed! Once you have applied for your policy, the offline items that will be required are a medical exam in most cases and signing final documents to place your policy. 

How do you buy life insurance online?

buy life insurance online

Do research and learn about the different types of life insurance policies.

Permanent life insurance (which lasts the rest of your life and is comprised of Whole Life and Universal Life).

Term life insurance (coverage for a specified period of time, typically 10, 20, or 30 years).

Permanent life insurance costs more because it will definitely pay a lump sum to your beneficiaries when you die, as long as you pay your premiums for the specified period of time.

Term life insurance on the other hand, only temporarily gives you coverage. The likelihood of you passing during the term is low, and this is why the rates are so inexpensive.  For most people, term life insurance is bought with a higher face amount when you are younger. Term life insurance is meant to cover a specific need, weather it be to cover a mortgage obligation or to cover the costs of college if you were to pass away prematurely.

Permanent life insurance is usually bought in lower face amounts because the cost is expensive. People buying permanent life insurance typically want to create a family legacy or protect their spouse no matter what age they pass.

 Submit your information here, and speak with an experienced life insurance agent.

The great thing about the internet is that you have the ability to research everything you want to know and connect with people all around the United States and world. Once you have done your research on our website, we recommend speaking with a licensed agent that can give you accurate quotes and recommend what type of policy is best for your situation. Once you have selected the policy to apply for, an electronic application will be sent to you for e-signature. Your free medical exam will also be ordered.

Still not sure what type of policy you need or how much coverage you are eligible for? Submit your information, get quotes and buy life insurance online today!

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