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How To Get Cheap Life Insurance Online In Missouri

March 26, 2012 by  
Filed under Finance

Purchasing life insurance is one of the most unselfish acts we, as human beings, do for our loved ones. Life insurance does not benefit the person who buys it – it benefits those left behind. Life insurance is a way to say “I love you.”

Unfortunately this kind of love costs money every month, and so while we want to show our love and provide for our families once we are gone, it is important that we find a way to do so without putting ourselves and our families in the poor house in the meantime.

Fortunately the internet provides a simple way to compare both policies and prices from a variety of different insurance companies here in Missouri and find the very best deal possible. But before we do that we need to decide what kind of life insurance would be best for our particular situation.

When shopping for life insurance you’ll need to make a choice. You’ll need to choose between whole life insurance and term life insurance. What’s the difference?

Well, a term life insurance policy will start out costing you less money each month than a whole life policy – but unfortunately there’s a little more to choosing a policy than simply the price you pay when you first purchase your insurance.

A term life policy is only good for a certain number of years. You can buy term life policies that expire in 10 years or 20 years or even longer. But the point is, each term life policy does expire. It expires at the end of its term.

And here’s the rub. When a term life policy expires you must purchase another policy if you want to continue your insurance coverage. Only this time the monthly premiums will be higher than they were when you purchased your first term policy. And when this second policy expires and you renew it, the next policy will be at an even higher monthly rate.

A whole life policy, on the other hand, never expires. You keep the policy for your whole life. Therefore, even though the premium might be a little higher to begin with for a whole life policy, that premium never goes up for as long as you keep the policy in force. So over time a whole life policy can actually end up costing you less than a term policy.

So now that you know the difference between whole life and term life, it’s time for you to get cheap life insurance online here in Missouri. Start by using your favorite search engine to find several sites which allow you to compare life insurance policies and prices here in the state of Missouri.

Each site will ask you several questions, some of which may not even seem relevant to you, but the more questions you answer and the more truthful you are, the more accurate of a quote you are going to get. Never lie when filling out a form to get a life insurance quote. If you say you don’t smoke, for example, and three years from now you die of lung cancer and it is clearly shown that you have smoked for twenty years your loved one will never collect a penny from your life insurance policy. Lying on your insurance application is called insurance fraud.

Be truthful. Be complete. And be as accurate as you can be.

Also, if you are truly searching for the cheapest life insurance you can find online you’ll need to fill out the required form on not just one website, but on at least 3 different life insurance comparison sites.

Why? Because no site compares all of the different companies which sell life insurance in Missouri. Each site is designed to compare just a few companies. So by making comparisons on multiple sites you should end up with comparisons from many more companies than if you had only used one site.

Once you have made your comparisons at multiple websites and found the best policy for you and your family at the lowest price possible, then you can rest easy and know that you have just provided your family with the ultimate “I love you!”

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