Why You Should Get Life Insurance Quotes From an Agent

Yes, buying insurance online is quick and easy.

But here’s why you should always get life insurance quotes from an agent.

Nowadays, you can buy just about anything without having to leave your house or talk to a single soul. Hungry? DoorDash. Run out of toilet paper? Target has curbside pickup. Need one of a million household necessities? Amazon Prime offers free overnight delivery.

So why are we still selling insurance the old-fashioned way?

While it’s easier to get your home, auto, and life insurance quotes online (especially if you’re an introvert!) it’s not the way to get the best coverage or the best deal.

In this article, we’ll talk about the downsides to buying life insurance online and explain why buying insurance through an agent is your best option.

Take Life Insurance Seriously!

If you understand the importance of life insurance, you probably also understand that the quality of that coverage matters a great deal.

Cheap life insurance (or any insurance, for that matter) comes with paltry coverage, bad customer service, and a low payout. When it comes to insurance, you definitely get what you pay for.

And when it comes to life insurance, this is doubly important because—unlike other policies—it is guaranteed that you will eventually need to use that policy in the future.

Not to mention, while you are free to change your home/auto policies every year if you want, you are “stuck” with your life insurance carrier until your policy ends. Canceling your life insurance policy and starting over again would likely mean losing out on those low premiums (since you’re now older).

Protecting your family is far too serious a matter to entrust solely to a search engine. Seeing as life insurance is the only policy that every single person on earth can benefit from, it makes sense to make this purchase with careful consideration of all the facts.

Don’t Get Life Insurance Quotes Online!

What exactly is the problem with getting life insurance quotes online?

First of all, you’re responsible for researching and contacting life insurance carriers yourself. With 843 of them in the U.S., this makes for a very superficial search (or a very exhausting one)!

Second, no website can give you the education or guidance you need to make a truly informed decision. When you collect life insurance quotes online, you don’t always understand the coverage you’re getting and you aren’t being alerted to gaps in your coverage. You may even purchase the wrong product or end up with a company that has a terrible track record.

Another drawback to online insurance quotes? It’s not always easy to customize your coverage. What you see is what you get.

Lastly, you run the risk of becoming a victim of fraud. One of the most common insurance scams online is that of a “fake insurance carrier” setting up a website posing as a legitimate insurance company. This is especially heinous, as some victims may not ever find out they were scammed until their beneficiaries try to cash in on the policy.

How To Buy Life Insurance

So what is the best way to buy life insurance? Through an independent agent!

Unlike captive agents—who are tied to a single insurance carrier—independent agents can present you with multiple options from a variety of trustworthy carriers.

Independent agents are also capable of handling all of your insurance needs in one fell swoop. Whether you need coverage for your home, apartment, boat, car, motorcycle, or all of the above, agents can introduce you to all the tricks of their trade.

But perhaps the biggest benefit of buying life insurance from an agent is their ability to educate you about the coverage options available and guide you toward making the best decision for your unique budget, risk tolerance, and goals.

When collecting life insurance quotes online, you’re on your own. But with an independent insurance agent, you’ll always have someone at your side.

Coverage For Your Life

At HLI, we don’t just help you find a great life insurance policy, we provide education, guidance, and advice for all of your insurance needs.

We’ve seen firsthand what can go wrong when people are underinsured, uninformed, and unassisted. That’s why we only work with the policies and carriers that have proven themselves to offer the best coverage and service.

And as an independent agency, we can provide a wide range of options that match your needs as well as your budget. In fact, you might be surprised how much insurance you can actually afford!

One way you can collect life insurance quotes online? Use the quote form on our website to see how we can help you find great coverage.