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Most of the major life insurance companies are in the practice of selling their products or policies through agents. Barring the no load term life insurance products that are sold directly to the public, the rest are almost all through agents. Some companies even make use of what are called captive agents, who are simply those agents who are bound by contract to only represent a single company. A vast majority of the companies that are providers of competitive term life insurance make use of independent agents.

These independent agents are free to represent several companies on their own discretion. These agents can thus help you to make a selection from a variety of products and companies so that you can effectively tailor a plan based on your requirements.

Keeping this in mind you should always begin by first obtaining an online quote for your life insurance. You can then go about selecting an independent agent. The reason to be careful before settling on a plan is due to the fact that the (more...)

If you are considering your life insurance options, you have undoubtedly encountered the “term insurance” versus “whole life insurance” debate. With so much information and so many opinions, it is easy to get caught up in a whirl of confusion. The key is to research your options, because there is no one size fits all approach.

First, you need to understand the basics of each type of insurance. Once you know that, consider how they will apply to you. What are your financial goals? Do you have other investment tools at work for you? Would a combination of strategies be your best option? Once we address a few of these questions, it will be much easier to determine which route will suit you and your family - term or whole life or even a combination of the two.

Defining Term Life

Term life insurance offers coverage to the policyholder for a specified length of time. Generally, this type of policy is bought with an objective in mind. For example, term life insuranc (more...)