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Insurance Education

Affordable Family Life Insurance: Get Quotes, and Ask Questions

May 3, 2017

How to Choose the Right Family Life Insurance Policy?

Every big decision starts somewhere.

When you’re looking for family life insurance, it starts with getting your first quote. But where do you go from there? Our Life Covered is here to help you figure that out.

Making decisions that affect your family is hard. You know you want the best of everything for them. That part is easy.

But determining exactly what the best is, and finding your way there once you have a destination in mind…that can be a little more challenging.

Sometimes your gut will guide you. Sometimes your heart will guide you. These are good navigation systems. But with the really big things, like choosing the right family life insurance policy, it’s usually best to ask for directions.

The Lay of the Land

When you need directions, the first step is to find someone who is familiar with the territory. And because there’s always more than one way to get somewhere, it’s a good idea to ask more than one person. Yes, somebody might send you down the wrong path. But by the end of the day, you’ll know your way around.

In the context of life insurance shopping, being a savvy traveler means comparing quotes and researching reputations.

  • Comparing Quotes
    Online insurance quotes are a great place to start, and ourlifecovered.com is a great place to get them. Once you’ve looked at a few options and done a preliminary comparison of price and coverage, you’ll be ready to talk to an insurance expert directly for professional guidance toward the best option for your family.

    One huge advantage to using Our Life Covered is that we exclusively quote, recommend, and work with insurance companies that have received excellent reviews from industry agencies, so as long as your policy stays active, you will not have to worry about their ability to pay your claim. That will make this next step much easier.
  • Researching Reputation
    Once you’ve analyzed your quotes, it’s worth taking some time to look at their sources: i.e., the actual insurance companies.

    An insurance agent can be a great resource in all this, of course, especially in terms of translating industry lingo and explaining how all the numbers actually apply to you. You can also check out online reviews to see what kinds of experiences other customers have had. You might also consider asking for recommendations from people you trust…family, friends, coworkers, etc. Input from someone who knows you, understands your values, and shares your interests can go a really long way.

Because we really want you to be sure you have the right insurance for your family, Our Life Covered is happy to offer a free-look guarantee on the policies we sell. This means you can purchase insurance, then take some time to review it. If you change your mind, simply cancel and receive a full refund.

Keeping Your Policy Relevant

At some point, after much weighing of pros and cons and reading of fine print, you’ll find the perfect life insurance policy. It will fit your budget, cover your needs, and provide a promise of protection for the people you love. And once that happens, it’s easy to stop thinking about it.

Maybe when you and your partner share a smile across the dinner table or hold hands on the porch swing one warm summer night, you’ll feel the comfort of knowing that you’ll never stop taking care of each other, no matter what.

Maybe as you drive your kids to soccer practice or kiss them goodnight, you’ll feel a wave of gratitude as you recognize that the good life you’ve made for them won’t crumble completely if something happens to you. This peace of mind, this sense of security…this is why we buy life insurance. 

But like so many things that you own, life insurance requires maintenance. That policy that was a perfect fit when you bought it might need alterations from time to time. 

The security blanket that you’ve wrapped around your family might start to feel a little small or a little threadbare. This is why it’s a good practice to review your policy annually and adjust it if necessary. Nurturing your life insurance policy while you’re here is the best way to make absolutely sure that you’ll still be nurturing your family if you’re not.

When you’re ready to take that first important step of gathering family life insurance quotes, Our Life Covered is ready to help make a hard decision a little easier. Visit ourlifecovered.com or call 888-828-9760 to get started.

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