As more and more products become available through the Internet, more and more people are shopping for insurance online. Hundreds, or perhaps thousands, of Web sites are devoted to insurance, with more springing up every day. At the time of this writing, a search for “life insurance,” using one of the large search engines (www.excite.com) revealed thousands of matches. A review of just ten of these matches, selected almost at random, showed that most can lead you to a company from which you can buy life insurance. Follow these steps to make your decision on which online company to buy your life insurance from:
- Do all the shopping and research you can online.
- Narrow your search to the top two or three policies and companies.
- Call and solicit recommendations and advice from the online and telephone assistants (if that option is available). Or use e-mail to correspond.
- Collect all the hard facts about the policy, the company, and the company ratings from the independent ratings companies.
- If the company has both online and agent service, call and make an appointment to meet or talk with a company representative. Have that representative give you guidance, counseling, and a quote.
- From friends and relatives, get the name of an insurance agent who doesn’t represent an online insurance company.
- Talk to that agent and have him or her give you guidance, counseling, and a quote. Assuming you feel that the online companies are all good ones, give the agent a chance to match or beat your online offer.
- Make your decision.
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