It used to be a hassle to purchase life insurance to ensure family security. Buying a policy would involve locating a local agent, scheduling an appointment, and driving to the agent’s office to answer a large number of personal questions and fill out stacks of paperwork. Now, with access to a computer and an internet connection, it is easy and secure to purchase life insurance online, from the comfort and privacy of home, any time of the day.
Life insurance is designed to provide financial security for a consumer’s family if they should pass away, and has a number of benefits available. Families may use portions of insurance benefits to pay for expenses such as school fees, mortgage costs, attorneys’ fees, estate taxes and funeral costs.
When buying online, websites are run by companies and agents who are licensed to sell life insurance in the consumer’s state. The questions that an insurance agent would ask the consumer are all answered via the website. Clear instructions on the agent’s website guide the buyer through purchasing the right policy for themselves and their families. Some policies will allow the buyer to purchase insurance online for themselves and their partners with no medical examinations or blood tests required.
Rates are often one of the primary concerns of consumers in search of a new life insurance policy. A rate quote is provided for free by many companies just by submitting an online questionnaire with a few simple questions such as date of birth, gender, desired level of coverage, and smoking status. This makes it easier than ever for consumers to shop around, compare, and find the lowest rates for the insurance coverage they desire.
The same options are available to customers who buy life insurance online rather than at an agent’s office. Additional benefits such as children’s insurance, permanent disability insurance, recovery insurance, accidental death insurance, and funeral insurance are often available to add on to a standard life policy online. Another benefit of buying online is that there are no high pressure sales pitches from someone whose income relies on selling the customer as much coverage as they can within a narrow appointment window. The consumer is able to take all the time they need to research each product before making a decision.
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Once a customer has purchased life insurance, there are situations where the policy will need to be maintained or a claim will need to be filed. This involves an additional trip to the office if an agent does not have a website. Another convenience of buying insurance online is that there are many resources available for the customer to download or view and submit online. Many life insurance agency websites have resource centers easily accessible from the home page. Documents include specific information about policies, frequently asked questions, claim forms, disclosures, beneficiary forms, and instructional materials.
A major concern of consumers when buying products online is protection of their private information. Companies who sell life insurance online take steps to protect their customers’ private data by using the latest internet security and data encryption technologies. A reputable insurance company selling policies over the internet will have their privacy and security policies listed prominently on their websites. Information should include disclosures of any 3rd parties who will have access to their customers’ information, along with contacts for the consumer to address specific concerns.
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