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t Consumers will agree that purchasing life insurance is about as fun as riding a donkey across the desert. While we all know we need it for our family, we tend to put it at the bottom of the list of to do’s simply due to inconvenience. In the current day most families are extremely busy with work and family and may find it difficult to set up a time to meet with an agent. Taking into account these obstacles how can state of the art technology change the way consumers shop for and purchase life insurance?
The Consumer Online Search Trend
There has been a online shopping trend emerging since the early 1990’s when insurance marketers first began offering quoting aggregators to consumers seeking insurance comparisons. Since then consumer comfort level has increased using the Internet to both search and shop for auto,[link widoczny dla zalogowanych], health and most recently life insurance. Statistically fewer consumers are searching the phone directories and are directing their search towards the Internet for fast results. People seem to be just as comfortable working with a local or national agency they found on the web as they were in years past with the local door to door insurance salesman. Many of the top trusted insurance carriers now offer online insurance quoting as evidenced by the advertising of the domain names and 1-800 numbers in publications and on television in recent years. Today these carriers offer a combination of real time quote engine,[link widoczny dla zalogowanych], simplified issue underwriting,[link widoczny dla zalogowanych],[link widoczny dla zalogowanych], online applications and e-signatures in order to expedite the underwriting process and make the whole process easier for the life insurance purchaser.
Life Insurance is too Complicated To Purchase Online?
Some forms of Life insurance such as variable life, universal life and investment type policies may require a more hands on approach, most families purchase term because it is cost effective and serves a purpose during the highest risk years when you own a home and have young children and a spouse to protect. Term insurance is not complicated if you know what your looking for here are a few guidelines to consider when searching online;
Simplified Issue Life Insurance is Fast
If your relatively healthy no more than one or two minor health issues like arthritis and cholesterol or there are no health issues of which you are aware of you can usually qualify for the non