Get Instant Term Life Insurance Quotes and Save Money…Instantly!

Fact: Over 60% of US citizens are paying more for their policies than they need to, particularly their life insurance.

It is essential when shopping for a policy that you get quotes from several providers: one or two simply doesn't give you a good enough foundation of knowledge when you could be paying premiums for several years.

As a good rule of thumb, we recommend that a person shops with at least five different providers for each set of parameters as per your policy requirements.

The reality is that there are dozens of highly rated, financially sound life insurance companies, but unless you shopped with at least 20 of them at the same time, the odds are overwhelming that you're overpaying for your policy.

Quotes vary considerably from one company to the next

You may think, "Well, maybe I am overpaying by $2.00 per month. If that's all, then switching to another policy certainly isn't worth the bother."

It could only be $2.00 per month, but it could just as easily be $200 per month.  There simply is no way to tell unless you get a set of quotes from many different companies.

The reality is that there is a great deal of variance in pricing from one company to the next, and it can vary according to many different factors such as paramedical exam results or lifestyle choices.

Someone who is paying $6,000 a year for a life insurance policy might easily be able to save $1,000 to $2,000 per year.

Keep in mind that there is simply no point in overpaying

If life insurance can be considered a product, it is not a product like a car or a telephone. You can expect one policy will hold up just as well as another so long as it has received the same rating from a company like AM Best or Moody's.

This is yet another reason that it is highly recommended to shop around and to get as many life insurance quotes as you can.

Yet another thing to consider is that there is no "cheapest company."  Each company has its target demographic, within which it may be the most competitive.

Additionally, each age-defined demographic is further broken down in to four rating categories.

AIG might be the most competitive company for non-smoking men in Oregon between the ages of 40 and 45 who rate as "Regular Plus", but they may not offer very competitive rates for women between the ages of 25-30 who rate as preferred plus.

You may find dramatic variation in pricing

The bottom line is that the best way to save money on life insurance is to get lots of quotes, and the best way to do that is by checking out rates with our custom quote engine or with a similar, high quality provider.

Our online quote engine will provide up to five custom quotes, but if you would like to give us a call, we can give quote results for every almost every active life insurance company.  We can also give you an idea of which rating class you qualify for, to ensure that the quote will be as accurate as possible.