Term Life Insurance: the smart way to shop, avoid mistakes, and save money, Part 4

In parts two and three of this blog series, I explained I think it’s best to use independent life insurance agents when looking for competitively priced term life insurance, and how they differ from other types of life insurance agents. Experienced independent life insurance agents specializing in term life insurance, are a great choice to help you buy the right term life insurance policy for you at a great price. After reading this blog series so far, you should now have some idea how to tell a good life insurance agent from a bad agent. But how do you find a good independent life insurance agent? This blog post will give you useful information about how to find the best independent term life insurance agent for you.

You can find independent insurance agency offices in your community, but they usually focus on auto & home insurance, or on commercial insurance for businesses. The independent agency offices you find in your area may also sell life insurance, but they are not likely to be term life insurance specialists, and may not have the best options for you.

Is the Internet a good way to find independent life insurance agents?

Unlike auto or home insurance, where you can go to the company website, like State Farm or Progressive or Safeco, to a get a price quote or find the contact information for a local agent, this is not a good way to find an independent life insurance agent. The Internet is a great tool for researching term life insurance, but it’s hard to use the Web to find an experienced, knowledgeable term life insurance agent working with the best companies, able to offer the right choice for you. There are thousands of websites advising about life insurance, or offering term life insurance price quotes, but a lot of them are affiliate marketers, looking to sell your information over and over again to insurance agents. You will have to review & sort through many websites, to find sites operated by life insurance agents or agencies, hoping to find one offering more than a dubious sales pitch. Not all independent life insurance agents are the same, and you’ll be surprised how many of them sell primarily one company benefiting them, with a simple process for approval, good commission, but not always good rates, instead of using their independence to find the best term life insurance company for you.

Where are the good independent term life insurance agents located?

Most self-employed independent life insurance agents work from their home, and find customers by cold calling, networking, referrals, or most commonly, through buying the contact information for people looking for life insurance. With auto and home insurance, prospective customers respond to advertising. With life insurance, you can’t open a store front, put up a sign, & advertise in the phone book, and expect potential customers to contact you. People know they have to have home & auto insurance, but many people need to be told why they need life insurance. Or, people know they need it, but procrastinate and never buy it. It takes a life insurance agent to bring up the subject, and get people to act on their need for life insurance. There is an old saying, “Life insurance is sold, not purchased.”

When people are looking to buy auto & home insurance, I recommend using a local agent, when possible. A local insurance agent, or at least one in your own state, is going to be familiar with your local market and state laws governing coverage & claims. For example, if you are a Florida homeowner, you may get solicited by an out-of-state agent, but it’s not likely that agent will have better expertise and company options than any local independent insurance agents selling home insurance.

With life insurance, state law matters, too, but there is much less of a need to work with an independent life insurance agent living in your community or state. A life insurance company will often have the same term rates nationwide, where with auto insurance, changing so much as your zip code, may change which auto insurance companies have the best rates for you. Although state law will sometimes alter the rules applying to life insurance, it is more of a national market. Some independent agents specializing in term life insurance sell it in many states, and the potential customer should choose expertise & knowledge over location. Term life insurance can be sold over the phone and through the mail. In fact, this may be a preferable way to buy it, rather than meeting in person with an agent trying to close a sale, or pitch you permanent life insurance. I’d rather work with a life insurance agent across the country from me, if the agent is knowledgeable, focuses on my needs, explains my options, and shows me they want to get me the best coverage at the best price, than work with a local agent not able to do those things for me.

How do you find & contact good independent term life insurance agents?

My advice here is different than I recommend for auto & home insurance. I don’t like the lead generation companies and affiliate marketers offering auto & home insurance quotes from multiple companies by completing a form on their website. They aren’t likely to help you find the best company or low rates for you, and some of these marketers will constantly contact you to get you to shop again, so they can sell your information.

However, with term life insurance, it may put you in touch with a great, experienced term life insurance agent. My final blog post in this series will give you the pros & cons of my shopping strategy, which will solve the problem of finding a good term life insurance agent, by have them look for you.

No one likes buying a product like term life insurance, because you are paying for something you hope you won’t need. Literally, your life depends on you not needing it. But did you know shopping for lower rates, and paying less for your auto & home insurance, may mean you can buy the term life insurance you need, without spending more than you do now for auto & home insurance alone?

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