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It's amazing how much rates can vary from one life insurance company to the next. It's also amazing how service can vary. Here's how to make life insurance comparisons between companies so you can get the best rate with a reliable company. What's the easiest way to compare life insurance rates? Prior to the Internet you either had to spend your time going from one life insurance office to another to get rate quotes, or call agents on the phone. And many agents wouldn't give you quotes over the phone because they were trained to get you into their office so they could give you a sales pitch. When the Internet came along, insurance companies created individual websites where you could get rate quotes, but you still had to go from site to site to get enough quotes to compare. Now there are insurance comparison websites where you can get rate quotes from a number of top-rated companies on one website in the comfort of your home. Talk about convenient. In addition to providing you with quotes, the best comparison sites feature a chat service that allows you to talk with insurance experts by phone or online. You can get answers to your questions, and get advice on how to lower your premium, from independent experts, not agents trying to sell you a policy with their company. (See link below.) How do I know I a company is reliable and will give me good service? Most of the insurance comparison websites only do business with A-rated companies. However, if you want to make sure a company is reputable, you can visit the following websites to check them out: A.M. Best (ambest.com) - A.M. Best investigates companies and gives them a rating based on their financial stability. Their ratings vary from A++ which is their highest rating, to D which is their lowest. I recommend going with a company that has at least an A rating. J.D. Power (jdpower.com) - J.D. Power & Associates rates insurance companies based on feedback from those company's customers. Their ratings go from five circles which is their highest rating, to one circle which is their lowest. Here I recommend going with a company that has a three-circle rating or higher. Visit http://www.LowerRateQuotes.com/life-insurance.html or click on the following link to get life insurance rate comparisons from top-rated companies and see how much you can save. You can get more tips and advice in their Articles section. The author, Brian Stevens, is a former insurance agent and financial consultant who has written a number of articles on life insurance comparisons.
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