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need life insurance company recommendation please
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<blockquote data-quote="klmno" data-source="post: 111202" data-attributes="member: 3699"><p>Sometimes the company who provides your homeowner's or auto insurance also provides life insurance- if you've been with one company for a while they might give you a better rate.</p><p></p><p>I used <a href="http://www.intelliquote.com" target="_blank">http://www.intelliquote.com</a> to compare rates. I filled in the info- except for my name, address, phone, email (you don't have to do that). Just fill in age, gender, state, term and amount you are considering, tobacco use and guess at health (pick something in the middle unless health is poor) and ENTER. A few options with estimated rates will come up. Then after checking into the companies, I called them. I have 2 policies (started at different times as I could afford it). One is with RBC, Liberty Life Insurance. I have no other experience with this company- I only know it appeared to check out and they've done everything "by the book" and I've seen advertisements. Of course, there's only ONE way to actually prove that they stand behind their policy!!! LOL</p><p></p><p>Personally, I found an advantage with 2 policies- one is shorter term (gives better rates) for a high amount to cover costs for difficult child shoould something happen before he's grown. The other is long term for lower amount, with the advantage being that if my health won't permit me to get another policy when the first runs out, I know there is enough to cover expenses and help difficult child while house is sold, etc., and that amount is guaranteed for X amount of years. The longer term does cost a lot more per $1000 though.</p></blockquote><p></p>
[QUOTE="klmno, post: 111202, member: 3699"] Sometimes the company who provides your homeowner's or auto insurance also provides life insurance- if you've been with one company for a while they might give you a better rate. I used [url="http://www.intelliquote.com"]http://www.intelliquote.com[/url] to compare rates. I filled in the info- except for my name, address, phone, email (you don't have to do that). Just fill in age, gender, state, term and amount you are considering, tobacco use and guess at health (pick something in the middle unless health is poor) and ENTER. A few options with estimated rates will come up. Then after checking into the companies, I called them. I have 2 policies (started at different times as I could afford it). One is with RBC, Liberty Life Insurance. I have no other experience with this company- I only know it appeared to check out and they've done everything "by the book" and I've seen advertisements. Of course, there's only ONE way to actually prove that they stand behind their policy!!! LOL Personally, I found an advantage with 2 policies- one is shorter term (gives better rates) for a high amount to cover costs for difficult child shoould something happen before he's grown. The other is long term for lower amount, with the advantage being that if my health won't permit me to get another policy when the first runs out, I know there is enough to cover expenses and help difficult child while house is sold, etc., and that amount is guaranteed for X amount of years. The longer term does cost a lot more per $1000 though. [/QUOTE]
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need life insurance company recommendation please
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