If you are shopping for life insurance and your sport is trapshooting, you have a lot of great choices to consider quickly and easily
Even though the ATA Amateur Trapshooting Association does not offer life insurance for its members. You can still get great rates!
Gun owners, clay target shooters, hunters and all other honest folks enjoying the sport of firearms are constantly under attack. The particular attack is from gun grabbers and politicians from all sides. As a long time NRA member and ATA trapshooter. I have found that gun owners not even realizing it, have formed a very tight brotherhood. This is because of the constant flack we are under. I personally have never meet such a good group of people as my fellow gun owners.
Every gun club I ever had the privilege of visiting treated me extremely well. I am writing this blog post to help my fellow shooters looking for life insurance. I want to help them learn how to get the best policy at the lowest rates. As a veteran life insurance agent. This will be my privilege to give all the good gun owners the help they may need. Let’s do this step-by-step so we don’t miss a beat.
Don’t try to take this task on by yourself. Do it the easy way and let someone else do all the work for you.
The first step is to save time, make every move count. Let a professional show you how easy it is to shop for life insurance and secure the lowest rates. You need to connect with an experienced independent insurance agent also known as a broker. I have a Frank Little trapshooting instructional video. Frank explains how trapshooters can make trapshooting more complicated than it really is.
The same thing goes with shopping for life insurance. Your agent will be your expert to show you how it is done. You will then become successful buying the best policy for your needs and budget. Just so you know, my Frank Little video was fantastic and I periodically watch it over and over again. Unfortunately Frank Little passed away at age 56. He was a lifetime member of the ATA Amateur Trapshooting Association.
What do we do about medical conditions when applying?
Just about everybody over 30 or 40 years of age some some sort of medical conditions to contend with. Your agent will know how to what to do. Sometimes running a quick and easy medical pre-screen will be necessary. This is to help choose the most applicable life insurance company. Choosing the best life insurance company for your specific health history and lifestyle is extremely important.
The end result of your application will be dependent on how serious your medical conditions are. There is a very good product to consider referred to as no medical exam life insurance. With these plan designs, a physical examination is not required. Applicants that do not appreciate blood tests really like this option.
What are some of the most competitive companies?
This is always a very common question and I will show you some of the best companies to consider.
- Banner Life
- Protective Life
- Lincoln National
- Savings Bank Life Insurance
- AIG American General
- Principal National
Keep in mind that choosing the most competitive company will depend on many a lot of considerations. If you use tobacco and have a smoker rate, if you are overweight or obese, if you have a dangerous occupation or even a hazardous sport will be a concern.
Get to know and understand the application process
Even though you have a good agent to help you. It is still a good idea to understand a little bit how the life insurance application process works. Knowing what to expect as you move along trough the process will help you feel more confident. The best way to apply is with the modern telephone applications. This is by far the most simple and quick way to apply. The days of the 30 page paper application are gone, but some agents still use them. You will find that purchasing life insurance for trapshooters is very simple and straightforward.
Consider “return of premium” life insurance
This is a term life insurance product that will pay back every dime you paid in premiums if you outlive the term period. With a conventional plan design, the insurance company would just keep all the money you paid in. You have to remember that return of premium life insurance is more expensive than conventional term.
What types of life insurance will help save the most money?
Here are your three basic types of life insurance products to consider:
- Term life insurance
- Universal life insurance
- Whole life insurance
These are the three major plan designs available. The most common plan design is term life insurance and its cost is much lower than than the other two. Permanent life insurance such as universal life is a great plan design also that will stay in force for the rest of your life. All you have to do is pay the premiums. The last is whole life which on todays standards is pretty much obsolete to the point where many companies have dropped it from their product line. Low cost term life insurance will normally be your best choice by far.
Life insurance rates are regulated by law!
Nobody probably ever told you this. If you shop around with multiple agents you could very easily be wasting your time and the other agents. Nobody can sell the same companies product for more or less than another. This is due to the fact that all life insurance rates are regulated by law. In fact, all insurance rates period are regulated by law also. This includes auto insurance, homeowners, medical insurance, dental insurance and every other kind including commercial business insurance. Many people believe that life insurance rates vary from agent to agent and nothing could be farther from the truth. They are all the same considering it is the same product with the same company.
There you have it!
After reading this blog post, you should have a much better understanding how to apply for life insurance and receive the best rates possible. We understand that life insurance can be a little confusing when you don’t have exposure to it everyday. This is where connecting with an experienced independent agent that specializes in life insurance (like us!) comes into play. As you can see, purchasing low cost life insurance for trapshooters is very easy with a little help. Jot down all your questions and give us a call 7 days a week and we will be happy to answer all your questions with no cost or obligation.
All the best,