It’s not hard to get life insurance quotes online. Nowadays, there’s a wide variety of websites boasting generators, each claiming they can save you money and find you the coverage you’re looking for. But with a wide range like that, there are sure to be choices that are inferior, flawed, or even a blatant scam. Your life insurance represents the security and safety your loved ones deserve after your death, so you can’t afford to make an uninformed choice here. This raises an important question: Can any of these quote generators be trusted?
What Does A Quote Generator Do?
First, let’s establish what exactly quote generators do. The purpose of a generator is to show you the best prices on life insurance, narrowed down by your personal condition and needs. Generally, you’ll first be asked to submit some personal information. This will be basic info like your sex, whether or not you have a history of tobacco usage, and your date of birth. Next, you’ll be asked what kind of life insurance you’re looking for, providing options for duration, coverage type and the general amount you’d like to be insured for. Once you’ve entered this information, the quote generator will present you with quotes from various companies, giving you an idea of what to expect from these companies when you apply for their policies.
Are These Quote Generators Trustworthy?
Ultimately, this question depends on what site you use. There are some great quote generators online, but some aren’t worth your time at all. To make sure the site you’re thinking of using is trustworthy, here are some tips to follow:
- First of all, do not pay for the use of a quote generator. There are many generators online that will give you a professional, accurate quote absolutely free. Paying for one is simply a waste of money.
- If the website asks you for information like your name, email address or phone number, make sure it’s a secure site.
- Take a critical look at the life insurance companies the generator gives you. If you don’t recognize any of the listed companies, do some research on them. You want to be sure the site has access to quotes from reputable companies, even if you don’t pick one of those companies. Seeing reputable names in your results will show that those companies trust that generator.
- It’s preferable to get a wide number of companies in your results. Unless your life insurance needs are extremely irregular, you should be getting a variety back from the companies. If you’re not, it means the generator’s sample size may be small, which means you may not be seeing the best option.
- Lastly, be wary of averages. If the generator only gives you one figure as an average, that really doesn’t help you decide on a company. The figure could be false, and a real life insurance company’s rates could be much lower or much, much higher.
When it comes to your life insurance, you can’t afford to waste time with bad quotes, unsecured websites and limited selections. That’s why we’ve built our quote engine to be the best option there is for online life insurance rates. In less than 30 seconds, we’ll deliver you free quotes from 40 top life insurance companies, including trusted names like MetLife, Prudential, and Mutual of Omaha. Our quote engine is fast and secure, letting you find the policy you want easily. Once you’ve found it, applying is just as fast and simple!
Your life insurance is there to give you peace of mind. Shouldn’t that peace of mind start with your quote?