How to Buy Life Insurance Policies

Video Transcript

"Hi, my name is Bill Rae. I'm a licensed life insurance agent, and I have been in the business well over two decades. And the question is how do I buy a life insurance policy? That is an excellent question, and one that I deal with every day. I would recommend when you're lookin' to buy a life insurance policy you need to sit down and ask yourself a couple of questions before you even begin. First of all, the question you should ask is what am I tryin' to insure? How long do I need this protection? Sounds simple, but it can be the basis of making a very good and rational decision. One can buy life insurance policies today online, in person, over the phone, but here is some things to understand. First of all, no agent can absolutely guarantee you the premium, unless of course it's a higher premium to begin with. The only one who can guarantee that premium is after the underwriter has looked at your health and decided what your risk is to the company, so keep that in mind when you're lookin' to buy life. My name is Bill Rae, and I'm helping you build wealth."