Top Life Insurance Company That Sells Insurance Over the Phone in 2021
Life insurance companies that sell insurance over the phone are common, but they still require an application and possibly a medical exam. The process is still the same whether you buy life insurance over the phone, in person, or online. Quotes from life insurance companies that sell insurance over the phone aren’t any more expensive than quotes received online or in person, so try comparison shopping online before you buy life insurance to get the best rates.
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UPDATED: Nov 3, 2021
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- Most life insurance companies sell insurance over the phone
- Life insurance companies use independent agents for telesales
- The approval process is the same whether you buy life insurance over the phone, online, or in-person
There are many ways to get coverage from the best life insurance companies, including over the phone. The top life insurance companies sell coverage over the phone, online, and in person.
Life insurance companies that sell insurance over the phone will have agents call people to sell them coverage, or they will sell you coverage when you call them.
Shop around to find affordable life insurance companies that sell insurance over the phone. Each company will offer different rates, so comparison shopping is a must.
Enter your ZIP code now to compare free quotes from life insurance companies that sell insurance over the phone in your area.
What life insurance companies sell insurance over the phone?
Before the internet came along, life insurance companies would either sell coverage in person or over the phone. Now, most of the top life insurance companies will sell coverage over the phone, in person, or online with little wait time.
The best life insurance company for you will depend on your age, medical conditions, and other personal details.
For example, Prudential life insurance may be better for one person, but Mutual of Omaha life insurance may be cheaper for another.
Your rates are the same however you sign up for your policy. To give you an idea of costs, this table shows you average life insurance rates for non-smokers of various ages:
|Insurance Company||Average rates for a single 25-year-old female||Average rates for a single 25-year-old male||Average rates for a married 35-year-old female||Average rates for a married 35-year-old male||Average rates for a married 45-year-old female||Average rates for a married 45-year-old male||Average rates for a married 55-year-old female||Average rates for a married 55-year-old male||Average rates for a married 65-year-old female||Average rates for a married 65-year-old male|
|New York Life||$158||$152||$164||$160||$262||$245||$414||$696||$924||$1,416|
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Keep in mind, your rates will vary based on your personal information, and you may have to pay a commission if you use an agent to buy life insurance, which can raise your rates.
No matter how you purchase life insurance, the process is the same. You will give your personal information and receive a quote. Then the approval process will begin.
The insurance company will verify all of the information you gave and may require a medical exam. Once that has been complete, if you are approved, your coverage will begin.
Comparing life insurance quotes online is the fastest way to find coverage that works for you. If you begin the process over the phone, you may have to wait for the agent to get a quote back to you.
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How much life insurance do you need?
Life insurance covers end-of-life expenses and any debts you leave behind to give peace of mind to your family.
The amount of life insurance you need in place depends on what you want your life insurance payout to do. Do you want it to pay off your mortgage or do you just want to leave an inheritance?
The type of life insurance you need will also depend on your health and where you are in life.
Typically, term life insurance is cheaper and helps cover family expenses, such as a mortgage. Term life insurance is only in place for a certain amount of time, such as 10 or 20 years.
Whole life insurance, on the other hand, is more expensive but doesn’t expire as long as you make your payments. Whole life can also offer a cash value.
What You Need to Know About Life Insurance Companies That Sell Insurance Over the Phone
It’s hard to find life insurance companies that don’t sell insurance over the phone. Most companies try to sell you life insurance in multiple ways.
No matter how you buy your life insurance, the process is still the same.
However, comparing life insurance quotes online is the fastest way to get started and find the coverage you need with the lowest rates.
Enter your ZIP code now to compare rates from life insurance companies that sell insurance over the phone for free today.