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You’re in for a Big Treat, So Let’s Get Started

Here is where your headaches and worries are coming to a screeching halt! If I had to guess, this is your first time shopping for life insurance. You are also probablyget started with buying life insurance photo overwhelmed with all the types of policy designs, premiums and companies. Then we have the daunting thought of the application process too, especially if you have any health concerns. What makes it worse is you probably don’t know who to speak with to get all your many questions answered. If this is your story, just relax because here is where the big treat comes in. 

My name is Jack Venturi, I am the founder of this website and an independent insurance agent (broker) for over 30 years. I will answer all your questions, find solutions to your problems and get you pointed in the right direction so you can find the best life insurance product at the lowest premiums. I am available 7 days a week 800-897-5699 to answer your questions! I guarantee the best results, so put us to the test!

 

Let’s Go Over Everything You Need to Know Step by Step 


1. Your budget for your new life insurance policy?

This is an extremely important question so your new plan can comfortably will fit into your budget allowance so paying the premium every month will not become a financial burden to you. You can activate our instant quoting system to get a look at your options and perspective premiums. You will want to purchase enough life insurance to cover your financial liabilities but not if it is going to break the bank. Only you know what you can afford so this should be an easy step for you.

 

2. What kind of policy should you apply for?

The two main plan designs are Term Life insurance which is a temporary form of life insurance. Term life insurance is usually purchased with term period between 10 and 30 years. But the Banner Life Insurance Company now offers 35 and 40 year terms periods also. The other plan design is Universal Life insurance which is a permanent form of coverage that will last forever. Universal life does cost more but it does offer you coverage for the full length of your life as long as you continue paying your premiums.

Keep in mind that final expense insurance can be a good product especially if you are a senior citizen look for just burial insurance for funeral and last expenses. All you have to do in this step is to determine how long you need your life insurance for.

 

3. Do you have any medical conditions?

Medical conditions are what life insurance companies pay special attention to. Especially if they are the types ofmedical conditions photo conditions that can possibly prove fatal down the road. As we get older, the medical issues seem to always slip into our our lives regardless of what we do to prevent them. We have to pay special attention to medical condition if you have any.

Make a list of any medical concerns you have and the prescription drugs you use for them. Some life conditions put more or less weight on a given medical condition than another carrier would. Naturally you want to apply with the company that is more friendly to your health issues. We can pre-screen your conditions so you know what to expect before you apply.

 

4. What life insurance companies should you apply with?

What carrier to apply with will depend on your health history and other main considerations. Due to the fact that all life insurance companies underwrite their applications differently such as hazardous occupations, tobacco use and dangerous sports. Careful thought and planning has to be considered to make sure what company would be your best fit. We always make sure we have our clients apply with the most applicable company. Make a note to discuss any specific companies you would feel more comfortable applying with.

 

5. Apply over the telephone quickly & easily!

telephone application photoYou mainly have three options to apply for life insurance. The first way involves a long drawn out paper application with approximately 20 pages or more. This was a sure fire way to induce writer’s cramp and is obsolete, but still an option. The second way came a number of years later which was the online application to be completed on your computer over the internet. Both of these methods took considerable time and had their complications.

Many computer users complained of technical issues with the online application software. If you did not have a computer or internet connection this was no longer an option. The best way to apply is the telephone application which takes about 15 minutes to complete. All you have to do is listen to the question and then answer the question. Nothing could be more simple. Applying over the telephone is a joy, trust me!

 

More great information when you need it

 

Applying for life insurance should always be a simple process!

The life insurance companies have designed the complete process to be simple and easy for everyone. The key ingredientwe make it easy banner is connecting with a good experienced independent agent. Your agent (hopefully us) is here to help you every step of the way for no cost or obligation. We are available 7 days a week which is totally unheard of but we understand people sometimes have difficult schedules. Even though all this information you just read is great. There is no substitute for a chat on the phone so call us today!


You can  set up a time to chat on the telephone and get all your questions answered at your own convenience. There is no cost or obligation!


 

Jack Venturi Independent Life Insurance Agent

Jack Venturi

Independent agent and founder of BestChoiceLifeInsurance.com

Jack Venturi has over 30 years of experience selling all forms of individual and commercial insurance including Property & Casualty, Health, Disability and Life insurance. Jack has helped thousands of people all across the United States purchase the best insurance products at the lowest premiums possible over the phone (800) – 897-5699 and online.