If you are planning on purchasing life insurance in the near future. You are probably looking to find the best life insurance rates at same time. This is definitely not a complicated task unless you make it that way. If you have absolutely no experience with life insurance, that is no problem at all.

All you have to do is know how to use a telephone and it would help to have a computer. Life insurance like most insurance products can seem complicated. That is why you need professional help in order to secure the best policy with the best life insurance rates.

Connect with an independent agent that specializes in life insurance and the best life insurance rates are just around the corner.

One of the most important facts you need to understand is all life insurance rates are regulated by law. In plain terms this means nobody can sell life insurance for more or less than another. Consumers normally shop for life insurance products like they were televisons sets or kitchen appliances. It does not work this way for your protection as an American Consumer. In fact, all forms of insurance are regulated by law for your protection compliments of the government. 

Regardless of who you purchase the insurance from, your rates will always be exactly the same! No matter who the agent or agency is or where they are located. If you purchase your life insurance form an agent in any one of our 50 states or buy it direct from a carrier, the premium will be exactly the same.

Here is how the best life insurance rates are first created and then displayed to the consumers and agents.

The life insurance company actuaries who are highly trained develop the rates based on statistics. This revolves around the life expectancy of people of all ages groups. They have to take factors like current health conditions carefully into consideration. They also have to pay attention to many of the most hazardous occupations or dangerous sports. Anything that could be a factor in taking one’s life, they have to consider. The life insurance actuaries are where it all begins.

Each states Department of Insurance makes sure all life insurance rates are regulated for your protection.

After the life insurance actuaries create the rates, the insurance carrier publishes the rates for review. The next step will be with each state Department of Insurance that the company does business in. Before the rates can be made visible to consumers. The Department of Insurance in each state has to approve and authorize the rates to be released. This can take months to accomplish but it is the law. Once a state’s Department of Insurance approves the rates, the agents will receive them and the quoting process may begin.

So how does an independent life insurance agent find the best life insurance rates for you?

Independent agents can shop the whole life insurance market and find out what company will offer you the best life insurance rates. This is unlike captive agents such as State Farm, Allstate and Farmers just to name a few. The captive agents only can show you their one and only company which is normally not competitive.

The independent agents will work hard to do the research it takes to find the best life insurance rates. They will also run medical pre-screens to help them pinpoint the best life insurance company for you. They will also communicate with the insurance company underwriters to allow you to receive the best health class you can qualify for.

The life insurance agent works as a very important liaison between you the client and the insurance company.

Being able to receive the best life insurance rates does not happen by accident. It is a byproduct of a lot of work on your agent’s part. Most people have no conception of how much work an agent does. Especially when you are in the process of applying for life insurance and expecting the best life insurance rates. It requires years of experience to be able to be able to get the best results for an agents client. I personally have over 25 years of experience and work with over 40 of the best life insurance companies.