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Don’t Pay Higher Premiums by Waiting to Apply

Depending on your age, life insurance quoting rates can increase by 3.5 to 9% each year. Compare quotes from over 40 of the most trusted insurers, apply and lock in your rates to ensure you receive the lowest premiums possible!

 

The Last Problem You Need Is Your Premiums Breaking the Bank

The inflation in the United States is going nuts, and the bills keep rolling in. You need to apply for life insurance to protect your dependents, but your daily expenses go through theapplying for life insurance with high inflation roof. Between gasoline for the car and trying to put food on the table, it is becoming a severe problem for Americans. The big question is, how am I going to take on another expense when I don’t have enough money as it is.

The answer boils down to just common sense, cut back on your current expenses as much as possible and make sure you purchase the life insurance you need for the lowest possible cost. Then, apply as soon as possible to lock in your rates. Procrastinating will only result in paying higher premiums.

high inflation and life insurance ratesWe work with more top-rated life insurance companies than any of our competitors. We do this to better shop the market for our clients. We also pre-screen our potential applicants to ensure we know what medical conditions, hazardous occupations, or dangerous hobbies they may have, possibly impacting their premiums.

We do this to ensure we know what we should expect during the application process and apply with the most liberal company to offer our clients the best possible rates. Of course, someday, this economy will improve, but you have to do everything you can now not to let your premiums become a financial burden and all your other monthly expenses. 

 


So, What Is the “Big Secret” to Getting the Best Life Insurance Rates?

Here is our “Big Secret” on buying life insurance quickly and easily! Like most people, you will not want to spendbest life insurance rates countless hours searching online for the best life insurance rates. Instead, we use a much quicker and more efficient approach to shopping for life insurance without working up a sweat and getting a headache. Allow us to find the best life insurance quotes from the most trusted life insurance companies for you. As independent agents, otherwise known as Brokers, all this work is done for you at simply no cost or obligation.

Read our how-to find the best life insurance policy article for helpful information. We can guarantee the best life insurance rates, the most plan design options, and the most qualified customer service seven days a week. Of course, you still call all the plays, but we do all the work, and it’s that simple. The best part about it is there is never any sales fluff or BS like you find with most other agencies. 


Your Application Can Be Approved in 24-48 Hours

If this is your first time shopping for life insurance or you have purchased it several times before. You came to the right website, and you are in great hands. We are independent agents, also known as Brokers, and we represent all the best life insurance companies with the highest ratings. Working with a good agent is convenient because you drop the whole load in our laps, and we do all the work for you.

With over 30 years of experience, we know what it takes to get you the best policy to fit your needs at the lowest possible premium. If you have any medical conditions you are concerned with, we can help you by applying for a no medical exam life insurance policy.


Get a Pre-Screen Before Applying

Medical condition pre-screening is a significant step in securing the best life insurance ratesmedical pre-screens for health conditions you may qualify for. Having any health conditions could affect the final rates of your application. However, we want to limit their impact on your premium by using the correct carrier that is the most liberal to your issues. Investing a few minutes of your time with a simple pre-screen can help you secure the best life insurance rates possible.

Also, keep in mind that this is not just limited to health issues. This would also cover possible hazardous occupations. For example, even your favorite risky sport or hobby could raise a red flag and trigger a rate increase. Knowing what will happen before you apply will allow an agent to take special precautions to eliminate any chance of underwriting glitches before they ever occur.

 

Here is How We Guarantee the Lowest Rates

We always recommend reviewing what you need your life insurance for and how long you will need it. This will help us recommend what type of policy fits your specific needs. Then, suppose you have any pre-existing medical conditions or a risky occupation that could impact your rates. In that case, we always pre-screen them so we don’t have any unforeseen surprises during the application process.

The same plan goes for hazardous sports or hobbies. If you are considered a high-risk applicant, we can help you take measures to get you approved with the best health classification possible.

Choosing the right life insurance company is extremely important when getting the best life insurance rates. This is always simple because we work with over 40 top-rated insurers. All life insurance companies underwrite their applications differently and follow different guidelines. 

 

Apply Over the Telephone Quickly & Easily

telephone life insurance applicationsThere historically have been three ways to apply for life insurance. The first way involved a lengthy paper application with approximately 20 pages or more. This was a sure-fire way to induce a writer’s cramp. The second way came many years later: the online application to be completed on your computer. Unfortunately, both of these methods took considerable time and had complications.

Many computer users complained of technical issues with the online application software. We believe the modern and best way to apply is the telephone application which takes about 15 minutes. You have to listen to the question and then answer the question. It does not get any easier to apply for life insurance.