How to Get Life Insurance for Less

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The first price you find for life insurance may not be the best price. Get life insurance for less with help from a dedicated insurance professional in this free video clip.

Part of the Video Series: Insurance Help
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Video Transcript

Hi, I'm Doug Levi, principle agent and owner of Strategic Insurance Services and today I'm going to talk to you about something very important how to get life insurance and get it for less. So I'm going to give you three things. The first thing I'm going to tell you to do is to look at term insurance. So what's term insurance? Quite simply you have insurance for a period of time. Common term insurance lengths are ten years, twenty years or thirty years. The shorter amount of time, the less your premium. Most families, husbands and wives can get ten year term policies, say a quarter million dollars in life insurance or anywhere from 15 to 30 dollars a work. You hear it on the radio all the time you see it on the Internet. So term is a good way to get some protection for your family. The second thing that I would suggest for you to do is to review, review your existing coverage. Life insurance is actually one of the insurance segments that has come down in recent years. The reasons it's come down people are living longer so the insurance carriers have more time to charge a premium. The other thing is with technology they've made advances in how they can underwrite the policies and save some money there. So if you took a term policy out or a policy out about five to ten years ago, it's a good idea to review that. It's a very good idea to get a policy with the same or more coverage for a lesser price even though you're older. The third thing I would tell you to do is to shop and you want to shop with several carriers. I would find a good independent agent, a local independent agent. You can go to Trustedchoice.com which is a national website which helps find local insurance agents all throughout the country and most likely those insurance agents are going to have access to several different carriers which you can help shop with. This has been how do I find life insurance for less. You can get more on life insurance at our website which is Tampabayinsurance.net and I'm Doug Levi, principle agent and owner of Strategic Insurance Services.

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