December 10th, 2007 | 
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DC asked:
could have. Now im looking elsewhere to get about $80,000 more in term life insurance. I just dont know how to shop around. Where do i begin?
Alvin Delaluz
could have. Now im looking elsewhere to get about $80,000 more in term life insurance. I just dont know how to shop around. Where do i begin?
Alvin Delaluz
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I have my pirmary coverage through mt employer too becasue of the low price. If you need additional try the company that you use for your auto, home insurance. Many of them can also write life policies and you might get a discount for having multiple policies with them.
If you want to buy online, go to – no affiliation here.
If you want to buy in person – which I heavily recommend – go to a local, independent agent. You can find one in your zip code, here:
I usually recommend people purchase their life insurance separate from their employer. There are always issues as to whether you can keep the policy if you leave the company and sometimes it can be difficult to make claims. Also, I’ve most relatively healthy people can find less expensive premiums if they just go out on the open market.
If you really only want $80,000 of supplemental insurance I suggest that you go with a simplified issue company that won’t make you take a medical exam. Run a search on Google or Yahoo for “no exam life insurance” or “simplified issue life insurance”.
There are many options available to you from lots of different insurnace carriers. The problem is of course the prices can vary widely. The best thing you can do is to find a site that is not affiliated with any specific insurance company. This will allow you to see all the available prices without being locked into one company.
You may also be interested in getting Life Insurance without a medical exam, probably simliar to the way you obtained your employer plan. There are some Life insurance carriers that allow you to answer a series of medical questions while avoiding taking the actual medical exam. It can be a quick and easy way to obtain coverage or increase your existing coverage.
A great place to shop for Free Quotes is they offer quotes from many different companies as well as various no medical exam policies.