Читать книгу Personal Finance After 50 For Dummies - Eric Tyson - Страница 42

If you’re going to purchase life insurance, you need to know where to go. You can look at the following two places:

 Local insurance agents: Many local insurance agents sell life insurance, and you certainly can obtain quotes and a policy through them. As with any major purchase, it’s a good idea to shop around. Don’t get quotes from just one agent. Contact at least three. It costs you nothing to ask for a quote, and you’ll probably be surprised at the differences in premiums. As we discuss earlier in this chapter, many agents prefer to sell cash-value policies because of the fatter commissions on those policies. So, don’t be persuaded to purchase that type of policy if you don’t really think it’s right for you.

 An insurance agency quote service: The best of these services provide proposals from the highest-rated, lowest-cost companies available. Like other agencies, the services receive a commission if you buy a policy from them, but you’re under no obligation to do so.To get a quote, these services ask you your date of birth, whether you smoke, some basic health questions, and how much coverage you want. Services that are worth considering include the following:AccuQuote: www.accuquote.com; 800-442-9899ReliaQuote: www.reliaquote.com; 800-940-3002Term4Sale: www.term4sale.com; 888-798-3488USAA: www.usaa.com; 800-531-8722 (this company sells low-cost term life insurance directly to the public; some of its other insurance products are only available to members of the military and their families)