life insurance agents
Most life insurance companies sell their products
through agents, rather than directly to the public. Some
companies use "captive" agents, who can only represent
one company. Most competitive term insurance providers (such as
those featured at this site) use independent agents, who
are free to represent several companies. These agents can then
help you select from a variety of products and companies to
tailor a plan.
Find an Independent Agent in Your State
Since the company sets the premium, he price you pay for a given product will
be the same no matter where you buy it. (Insurance regulations
prohibit agents from changing the price). So, "price
shopping" for an agent won't provide much information.
You are better off
to work with one agent who can help
you put together the best possible protection plan for your
specific needs. To help you get started, we have
put together a group of agents who specialize in selling low
cost term insurance using a computerized database.
You can access them on-line, and they will respond to your
requirements right away.