Life insurance is complicated! Who can help me?April 5, 2012
Most people do not love buying life insurance. Have you ever heard someone say, “Guess what? I’m so excited – this weekend, my wife and I are going to BUY LIFE INSURANCE. Woooo!”
The #1 reason why buying life insurance is not a popular pastime? It’s complicated. It’s difficult. It’s hard to get “plain English” explanations for what it’s all about. It’s hard to know if you’re getting a good deal and it’s hard to understand the different options and benefits and price points from all the various life insurance companies.
If you’re talking to a life insurance agent from one of the big life insurance companies, it’s too often hard to know if you’re truly getting unbiased advice, or just a slickly-disguised sales pitch.
Fortunately, if you’re getting frustrated with the complexities of buying life insurance, there’s someone you can talk to: the life insurance advisors at MyInsuranceExpert.com.
Here are a few reasons why MyInsuranceExpert.com can help you understand the ins and outs of buying life insurance:
- We’re “real people,” just like you. When you call MyInsuranceExpert.com, you’ll be talking to real people on the other line – real life insurance advisors who know where you’re coming from and know how to answer your specific questions. We know it’s complicated to buy life insurance. Many people feel confused or intimidated when trying to buy life insurance – after all, this is not always a “fun” topic and most people don’t like to think about death and the financial burdens that can result. Talk to someone who understands and can help you with your unique financial situation.
- We help you find the best life insurance companies. One big reason why life insurance is so complicated is because it’s a long-term promise between you and the company – you promise to keep paying your premiums each month, and the company promises to pay your survivors a benefit in the event that you die. This is kind of a big deal, right? It’s pretty serious stuff. You can’t afford to buy life insurance from a “fly-by-night” life insurance company. At MyInsuranceExpert.com, we give you a range of choices from the best life insurance companies – solid, financially strong, long-term players in the life insurance market.
- We help you find the right life insurance policy. At MyInsuranceExpert.com, we’re not about “high pressure sales” or trying to get our customers to make a quick decision. We know that life insurance is an important financial planning tool, and so you need to be prepared to spend some time thinking about what you want most from your life insurance. Do you want the highest amount of financial protection at the lowest premium cost? For how many years do you want coverage? Do you want to protect your family until your kids are 18, or even longer than that? How much income do you need to replace? What do you want your family to be able to do with the life insurance proceeds in the event of your death? These are all questions that you need to consider.
Another reason why life insurance is so complicated is that everyone’s situation is different, and every customer has specific goals and unique family considerations. A 25-year-old married couple with one child will have different needs than a 45-year-old divorced man who just got remarried and wants to start a new family with his 2nd wife.
The amount and duration of life insurance coverage that you need depends on many factors, including your age, health, family size, family income, debts, assets and overall financial goals.
Buying life insurance is not always easy, but the helpful advisors of MyInsuranceExpert.com will do everything we can to help make it easier for you.
Are you looking for affordable life insurance from the best life insurance companies? Talk to the experts at MyInsuranceExpert.com. We have a team of dedicated advisors who can give you free life insurance quotes online. Whether you need term life insurance quotes or want to know the best term life insurance rates, MyInsuranceExpert.com offers you a selection of the best life insurance companies, to help you find the right life insurance policy to suit your needs.