How to Buy Term Life Insurance

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When buying term life insurance, it's important to know that the best rates come when a company is allowed to run on paramed. Use term life insurance when an insurance company understands what the risk truly is with help from a licensed insurance agent in this free video on life insurance.

Part of the Video Series: Life Insurance Options
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Video Transcript

Hi my name is Bill Rae. I am a Licensed Life Insurance Agent and I have been in the business for over 20 years and the question is how to buy term life insurance? Excellent question for today. First of all what you want to do is make sure that you are dealing with somebody who really understands life insurance and has some experience. My pet peeve in this industry is making sure that your agent knows the difference between a good term insurance and a bad. O'kay with that being said the best rates on term insurance are always going to be to allow the insurance company to run what they call a paramed. That means someone will come out, draw some blood, most likely take a urine specimen and ask questions. Let them underwrite their risk. When they understand what that risk truly is that is where you are going to get your best rate. By the way word of caution, no agent can guarantee you a rate, only an underwriter can. So how do you buy the best term out there, do your homework, shop around. My name is Bill Rae and I'm helping you build wealth.

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