Life Insurance Direct

I Am Looking For A Place Online To Research And Buy Life...

New postby Lorri » 29 Oct 2012, 17:35

I am looking for a place online to research and buy life and health direct insurance for me and the family?

Anyone aware of a site for this? Is it a good idea. I know life and health are complicated but I think agents make it confusing sometimes.
Lorri
 
Posts: 1305
Joined: 08 Apr 2009, 18:45

New postby Tamisha » 29 Oct 2012, 17:35

Www.winquote.net is the one I go to for life insurances.

Personally, I would avoid buying or shopping on line. Cheapest is not always the best, plus every situation is different.

Example: There is a company in Canada that has a stop smoking incentive for their clients. You quit smoking within the first 2 years of having the policy and they'll refund most of the extra cost for being a smoker back to when you first took out the policy. Initially they are more expensive, but if a person is already thinking of quiting or recently quit, they will get that extra paid premium back, which makes the insruance one of the cheaper ones (this company is cheap on non-smokers, but a little more expensive on smokers compared to others in the industry). Shopping online won't tell you that....
Tamisha
 
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