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Published at : November 23, 2022
What Is a Life Insurance Quote?
A life insurance quote is an estimate of how much your premium will cost for a life insurance policy. Your individual quote is based on factors such as your height and weight, age, and smoking status. Life insurance quotes aren’t always exact, especially if a medical exam is required to confirm your health information, but they can help you compare approximate costs across companies.
How Much Does Life Insurance Cost?
Life insurance is more affordable than most people think. According to LIMRA’s 2021 Insurance Barometer Study, more than half of Americans expect life insurance to set them back three times the actual cost.
While whole life insurance can be expensive, typically running about 5-15 times the cost of term life insurance, a term life insurance policy for a healthy 25 to 35 year-old typically costs only about $30 a month. Group coverage through your employer can cost even less or be included as a free benefit. But your individual price will depend on factors like your age, gender, occupation, height, weight, and smoking status. Adding riders to your policy can increase the price.
Should I Get a Life Insurance Quote?
Using a free tool to get life insurance quotes online is one of the best ways to start comparing a wide variety of life insurance companies. Independent agents typically only work with a handful of companies, so you’ll be left with fewer policy options. And it can be difficult and time-consuming to find an experienced broker. However, if you have health issues that might affect underwriting, have difficulty using technology, or have complex customization needs, working with an independent agent or broker may be a better option. Also keep in mind that quotes for whole life policies, especially those with a high face value, aren’t typically available online.
A life insurance quote is an estimate of how much your premium will cost for a life insurance policy. Your individual quote is based on factors such as your height and weight, age, and smoking status. Life insurance quotes aren’t always exact, especially if a medical exam is required to confirm your health information, but they can help you compare approximate costs across companies.
How Much Does Life Insurance Cost?
Life insurance is more affordable than most people think. According to LIMRA’s 2021 Insurance Barometer Study, more than half of Americans expect life insurance to set them back three times the actual cost.
While whole life insurance can be expensive, typically running about 5-15 times the cost of term life insurance, a term life insurance policy for a healthy 25 to 35 year-old typically costs only about $30 a month. Group coverage through your employer can cost even less or be included as a free benefit. But your individual price will depend on factors like your age, gender, occupation, height, weight, and smoking status. Adding riders to your policy can increase the price.
Should I Get a Life Insurance Quote?
Using a free tool to get life insurance quotes online is one of the best ways to start comparing a wide variety of life insurance companies. Independent agents typically only work with a handful of companies, so you’ll be left with fewer policy options. And it can be difficult and time-consuming to find an experienced broker. However, if you have health issues that might affect underwriting, have difficulty using technology, or have complex customization needs, working with an independent agent or broker may be a better option. Also keep in mind that quotes for whole life policies, especially those with a high face value, aren’t typically available online.
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