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Florida life
insurance quotes can be found on numerous Internet sites.
You should be aware that over 70% of you will not qualify
for the posted rates. A company with a slightly higher "Internet"
rate might end up being cheaper after you are underwritten.
Since it cost exactly the same whether you use an agent or
do-it-yourself, you might as well give us a call. We will
help you determine which rate will apply to you and drill
down a little deeper to uncover any bargains. Here are some
examples:
Example 1: Male
6’0” 206 lbs. Banner Life quotes him as Super Preferred
NS Class (Best Class), while First Penn-Pacific and Protective
Life quote him Preferred NS Class (Second to Best)
Example 2: Female
stopped smoking 4 years ago. West Coast Life quotes her as
Super Preferred Non-Smoker Class (Best), while Transamerica
Occidental quotes her in the Preferred Non-Smoker Class (Third
best for Transamerica)
Example 3: Male
50 years old with blood pressure of 136/84. First Colony Life
quotes him as Super Preferred Class (Best Class), while Protective
Life quotes him in the Preferred Class (Second Best)
You can see that
getting quotes off of the Internet will not guarantee you
the lowest possible premium. Typically, someone will apply
for insurance, have a paramed perform a physical and wait
for a rate. When the rate comes back you are inclined to accept
it no matter what the results are. You figure that every insurance
company will rate you the same. You certainly don't want to
go through the whole process with another company.
Don't get me wrong,
I think the Internet is great. However, Florida life insurance
or any insurance product for that matter, is not something
you want to or need to buy from a computer. There isn't one
insurance product that is available online that you cannot
get from an agent for the exact same premium.
Florida life insurance
products come in many different "flavors" depending
on your circumstances. You can get plans with no medical exam,
level premiums, plans that convert to long term care insurance,
special plans to pay off your house or protect your mortgage.
Give us a call and we will talk for a few minutes to help
figure out what the best plan for you will be.
I apprecite your time,
Martin Unger
1-800-986-4786
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