Although this is counter-intuitive for some, premiums are not lower and there are no other advantages to buying a life insurance policy online. Buying life insurance online is not “buying direct” from the insurance company. Life insurance companies do not sell policies direct. In fact, they sell through licensed insurance agents, without exception.
Behind every online site selling life insurance is a licensed life insurance agent. The insurance company pays a commission every time a policy is sold. You may not realize a life insurance agent is writing the policy, but in fact, it is required by law. People mistakenly think that buying online is going “direct” and cutting out the agent or a middleman. It helps to know that online sites are no different than any other insurance agents.
Not Better Pricing.
When buying insurance online, simply ask if the policy is priced any differently and how much compensation is paid by the insurance company for your sale. Ask for this information in writing and ask for the “total compensation” that is paid. They should be glad to disclose it in writing.
State of the Art.
In conclusion, you can now purchase the best life insurance policy online, without hassle or aggravation. We get it done WITHOUT A MEDICAL EXAM, without lab tests (non blood or urine) or face-to-face visits, if that is what you prefer. The maximum is $5,000,000 per person and we have companies that write up to age 65. The whole process can be done within an hour of approval.
Contact us for a quote to apply and buy. Reach Ted Bernstein at 561-771-4647 or by email. We are close. People often search for “life insurance near me” or “life insurance agent near me” and we are one of the results. Online, we’re all close for business purposes. It truly is one of the great benefits of the Internet. Check out our 5 Star rating on Google or on our testimonial page.