Almost all life insurance companies sell their products through agents, rather than directly to the public. Some companies use "captive" agents, who can only represent one company. Most of the competitive term life insurance providers (such as those featured at this site) use independent agents, who are free to represent several companies. These agents can help you select from a variety of products and companies to tailor a plan.
You should first obtain an online life insurance quote, and then select an independent agent.
Friday, October 12, 2007
Choosing an Agent
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