Thursday, 12 November 2015

How To Buy Life Insurance Without Agents




The world is now a global village. A lot could now be accomplish online on website to reduce the stress of carrying out that same task offline. 

Not to be left out is;  the constrain in getting a life insurance, I am happy to inform you through this article that you can actually purchase a life insurance policy without agent interaction at all. 

Read on this article to see how it could be done, the basic concept, how to to get such service and also get to see if you can also do the same whenever you want to obtain a life insurance cover.

The simple concept

The  concept of buying life insurance without an agent is done online on  a website / carrier who will complete the first part online and then once the medical exam comes - agents might get involved due to mistaken information.

LEARN ABOUT : The types of life insurance policies you can choose from.  

Those who offer it

Ezlife offer the service for many years now.
Both  Havenlife(part of MassMutual) and USAA are currently selling life insurance without any agent interaction.

How it is been done (the procedure)
1.      Fill and submit your application online
2.     the first part of the quoting and exam scheduling are done  online by you.
3.      You will have to  answer a number of questions
4.       Then schedule your own medical exam
5.      these carriers will give you a quote after, then
6.      your  medical exam is scheduled  and
7.      All is set. 

READ ALSO : Reasons why life insurance company could decline your claim

Note that, during the course of filling your form online If you  lie in the form filling and give yourself a pref plus rating, then agent interaction will come if there is a mismatch in information previously provided once the exam is done.

Unfortunately, if you leave in the state of Florida, the Havenlife service is not available there.

Hopefully, you now see how  you can be able to buy a life insurance without any agent interaction. 

If you would prefer  to get your life insurance purchase through this method, It all depends on you to decide.