Shop for Life Insurance the Easy Way!
A life insurance policy is the most simple and straightforward insurance product available. If you have had trouble understanding or applying for insurance in the past, you owe it to yourself to finally connect with a seasoned professional.
If this is your first time
shopping for life insurance, you will find that working with a qualified agent makes all the difference in the world. You may be overwhelmed with all the different types of policy designs, premium variations, and what carriers you should apply with. You can take it from me, this is not complicated if it is properly explained to you.
Many people have daunting thoughts about the application process, especially if they have health conditions. This is common for most people who have never applied before.
What makes it worse is you probably don’t know who to speak with to get all your questions answered. If this is your story, just relax because we will guide you every step of the way and the great part is there is no cost or obligation for our help.
My name is Jack Venturi, I am the founder of this website and an independent agent for 28 years. I will answer all your questions, find solutions to your problems and get you pointed in the right direction so you can find the best life insurance product at the lowest premiums to fit your budget.
I am available 7 days a week from 815-390-7545 to answer all your questions!
What Is a Comfortable Budget for Your New Policy?
First things first. If your projected monthly premium looks like it is going to be a financial burden, then you are going to have to reduce it. This is an extremely important question so your new plan can comfortably fit into your budget which will allow you to pay the premium every month and not become a problem especially in this terrible high inflation economy.
Naturally you will want to purchase enough life insurance to cover your financial liabilities, but not if it is going to break the bank. Only you know what you can afford so this should be an easy step for you.
What Type of a Policy Should You Apply For?
The two main plan designs are Term Life insurance which is a temporary form of life insurance. Term life insurance is usually purchased within a term period of 10 to 30 years. Banner Life Insurance Company now also offers 35 and 40-year term periods also.
The other plan designed is Universal Life Insurance, which is a permanent form of coverage that will last forever. Universal life does cost more, but it does offer you coverage for the full length of your life as long as you continue paying your premiums.
Keep in mind that final expense insurance can be a good product, especially if you are a senior citizen looking for life insurance for funeral and final expenses.
Do You Have Any Medical Conditions?
Medical conditions are what life insurance companies pay special attention to. Especially if they are the types of conditions that can prove fatal down the road. As we get older, medical issues seem to always slip into our lives regardless of what we do to prevent them.
We have to pay special attention to medical conditions if you have any. Make a list of any medical concerns you have and the prescription drugs you use for them. Some life conditions put more or less weight on a given medical condition than other carriers would.
Naturally, you want to apply with a more friendly company for your health issues. We can pre-screen your conditions so you know what to expect before you apply.
What Life Insurance Company Should You Apply With?
What carrier to apply with will depend on your health history and other considerations. Because all life insurance companies underwrite their applications differently, such as hazardous occupations, tobacco use, and dangerous sports.
Careful thinking and planning have to be considered to make sure which company would be the best fit for you. We always make sure we have our clients apply with the most applicable company. Make a note to discuss any specific companies you would feel more comfortable applying with.
Apply Over the Telephone Quickly & Easily!
You mainly have three options to apply for life insurance. The first approach involves a long-drawn-out paper
application with approximately 20 pages or more. This was a sure-fire way to induce writer’s cramps and is obsolete, but it is still an option.
The second way came several years later which was for the online application to be completed on your computer over the internet. Both of these methods took considerable time and had their complications.
Many computer users complained of technical issues with the online application software. If you do not have a computer or internet connection, this is no longer an option. The best way to apply is through the telephone application which takes about 15 minutes to complete.
All you have to do is listen to the question and then answer the question. Nothing could be simpler. Applying over the telephone is a joy.
Working With an Independent Agent
Life insurance companies have designed the complete process to be simple and easy for everyone. The key ingredient is connecting with a good experienced independent insurance agent. Your agent (hopefully us) is here to help you every step of the way at no cost or obligation.
Independent agents such as ourselves have access to all the top life insurance companies. This means that you can compare instant life insurance quotes from over 40 A+ rated carriers.
We are available 7 days a week which is unheard of in this business but we understand people sometimes have difficult schedules. Even though all this information you just read is great. There is no substitute for a chat on the phone so call us today!
Find out how simple shopping for life insurance really is!
All the best,
Jack Venturi
For any questions you might have, call us at 815-390-7545 and we will provide a quick answer.
