Do You Need a Life Insurance Broker to Find Affordable Coverage?

Looking for affordable life insurance? Do you need to use the services of a broker? The answer is: That depends—it depends purely on you and your personal preference.

You can find affordable life insurance without a broker. But if needed, a broker can also be a big help. The great thing is: Now you can get the best of both worlds. You can comparison shop for life insurance and make your selection on your own. Or you can enlist the help of a life insurance brokers at any time in the process.

This isn’t a new development. You could always try to find coverage on your own then rely on a broker’s services as needed. What’s new is how you can now find coverage on your own. In the past, you – or you and a broker – had to go from insurance company to company, filling our application after application, waiting and waiting and waiting to learn if you were approved. That was time consuming and a real hassle!

But recently, a breakthrough in insurance quoting technology took place. Fed up with the hassles of shopping for life insurance the traditional way, some very inventive consumers created a better solution. Developed by consumers for consumers, new software can now collect many different quotes from many different insurance companies, all at one time, all in one place, all in just seconds…and, here’s the best part, all free of charge.

You simply go online to take advantage of the new quoting system. Answer a few, very basic questions. Then click one button. And almost instantly, you see quotes from leading insurers competing to offer you the best coverage at the best price. Pick the policy that meets your needs and fits your budget. In most cases, you can pay your first premium right away – online, using your credit card. Usually, you can even download a copy of your new policy to print and file with your other essential household documents.

And if, at any time in the process, you need the help of a broker, no problem. A licensed broker can answer any questions.

This is the best way to find any type of insurance coverage for any type of need. Are you buying a policy for the most common reason – to protect your family’s financial future and ensure they can continue to pay the mortgage or rent if you die? Or are you seeking coverage for another reason? Perhaps you want to designate the policy benefit as a source of finances for your children’s college education fund? Or perhaps you plan to designate that your policy benefit go toward any end of life medical care that you may require and that is not covered by your health insurance. Or perhaps your intention is for your policy benefit to pay for your funeral and burial or cremation.

Or maybe your goal is different. Perhaps your objective is secure coverage and designate that the benefit go to your church, mosque, or temple…or to your favorite charity. However you plan to use it, you can find an excellent, cost-effective policy.

Do you need a life insurance broker to find affordable coverage? Not necessarily. You can use a broker if you need to. But it is also comforting to know that if you don’t want to engage a broker, you can rely completely on a free, unbiased, online resource such as