Are you looking for Affordable Life Insurance in Atlanta or other parts of Georgia? If so, we can help! As an independent life insurance agent, we can compare rates from multiple companies for you. Check out our tips in this article on getting affordable life insurance.
Over the years, there have been numerous studies that show a good percentage of people in the US believe life insurance is more expensive than it actually is. Even so, here are a few tips you may want to consider when looking for life insurance.
1.) Use an Independent Insurance Agent
If you work with an independent insurance agent, they will have the ability to check with multiple different life insurance companies for you. This is helpful because it gives you a wide range of options. It’s possible certain companies may be better for your specific situation. For example, if you are a diabetic, there may be life insurance companies that offer better rates or underwriting. Having the ability to offer many different companies allows an independent agent to look at your situation and try to find a company that will be a good fit, which should help with affordability.
2.) Type of Coverage
The type of coverage that you are looking for can have a major impact on the pricing of your life insurance. Some people may be looking for affordable term life insurance, when someone else may be interested in whole life insurance. With everything else being equal, in most cases the term life insurance is going to cost less. You will want to determine what your goals for the life insurance are before making a decision on what type of coverage to get.
3.) Plan Ahead
This may not be an option for everyone, but if you have the ability, it may provide some savings on your life insurance. For instance, if you are a smoker or use nicotine, you may want to think about quitting before you apply for life insurance. The same may be true if you have been thinking about losing weight. Taking these types of steps ahead of time, can help you get more affordable life insurance. Even if you aren’t able to plan ahead, as mentioned earlier, working with an independent agent can help. They should be able to find a company that works for your situation. Be aware that if you do make any changes before applying for life insurance, the company may ask some clarifying questions. They also may want to see that you have gone a period of time with the changes, and are keeping them in place.
4.) Be Upfront
Whatever your situation, you always want to be as up front as possible with both your agent and the insurance company. If you let your agent know about any potential issues up front, they can do their best to find a company that will be a good fit for you. It should help with any surprises during underwriting, and you don’t want to waste time applying with a company that would not be a good option.
What about affordable life insurance for seniors?
One of the major factors impacting life insurance rates is age. Typically as you get older the price of life insurance increases. However, that doesn’t mean you cannot find affordable life insurance for seniors. Every situation is different, so you would want to speak with an agent and see what your options are. If you are a senior, you can still use the tips above when looking for life insurance.
Let Us Help!
If you are looking for affordable life insurance in Atlanta & Georgia, please feel free to contact one of our agents directly at 404-781-9415, or complete the quote request form to get started. As an independent insurance agency we can compare quotes from multiple insurance companies for you.
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