We all want to find the best deal possible when it comes time to buying anything. That’s one of the reasons used car salesmen are so good at negotiating with penny pinching customers. The same can be said of life insurance agents in Virginia who want to sell policies but still want to make money. With over 25,000 agents selling life insurance in Virginia, consumers should have no problem finding one who will work well with them.
For an average individual in Virginia looking for a life insurance policy they are really concerned about one thing and that’s finding the best rates possible. There are ways to approach the business of getting a life insurance policy that can result in discounted rates. The key is to know what to look for before you start talking to overzealous agents.
Less coverage doesn’t always come cheaper. Many life insurance companies actually charge more for policies that don’t fall on a certain dollar level. An example is if someone wants $425,000 in life insurance coverage. They will be quoted a rate and yet a policy for $500,000 may actually cost less. The reason is that many life insurance companies sell coverage by the dollar and the more you buy, the less each dollar of coverage costs.
Think long and hard about a policy that has a lot of extras. You may think it’s a great idea to buy a policy that pays more for accidental death, but it also means you’ll be paying more for premiums. Another extra that many people don’t need is coverage that pays their premiums in case they are in an accident or become ill and disabled. If you already have a solid health insurance plan in place with disability, skip this coverage. Just buy the life insurance you really need and you are much more likely to get the best rates possible.
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