Finding cheap and inexpensive life insurance
Does cheap life insurance / inexpensive life insurance really exist and can you really
compare one life insurance product against another? You need to
do your home work if you want to get life insurance cheap and a reasonable cost.
According to all of the #ads on TV, it should be easy to find
cheap life insurance, but how easy it in reality.
We set out to discover whether there really is any such thing
as cheap life insurance and here's what happened.
The number of web sites offering cheap life insurance is
staggering.
We did a search using the #US version of Google using different
search parameters and these were the #results:
Search Term for cheap life insurance and the #Google results
"cheap life insurance" - (the quotes ensure that only sites
containing the #actual phrase are returned) 625,000
cheap life insurance - no quotation marks 63,500,000
"life insurance" - the #quotation marks were necessary
105,100,000
As you can see, there is plenty of choice when it comes to
finding life insurance, particularly cheap life insurance, so
when you get that many results, what do you do?
It's obvious that when 625,000 sites are promoting cheap life
insurance, that you can't possibly visit them all and look for
the cheapest life insrance policy! You'd probably die trying!
It seems from research by the #search engines themselves, that
most web surfers will simply click onto one of the #top placed
sites in the #results column.
That approach might work, but will you get cheap life insurance
as a result?
Sadly, you probably won't. It just means that the #site you see
is very good at search engine placement, or they have targeted
and paid the #search engine to place them in the #top spot for
the term, "cheap life insurance". There's nothing wrong with
that, but we'd like to save you some money if possible.
You might have seen a number of sites offering a one-stop
quotation service - where you enter your details once and then
get competitive quotations from competing insurers.
The idea of getting cheap life insurance from one of these
sites is super because it saves you lots of time. We like
things that save time!
We tried an experiment to see the #range of quotes for a
married, middle-aged, non-smoking couple looking for cheap life
insurance using a site called http://www.quality-ins.com.
The quote was for level term life insurance over 20 years
providing cover for 350,000 - it seemed a nice amount to spend
at the #time!
The search returned 10 results (plus one duplicate), mainly
from household name insurers.
The cheapest was for $85.00 per month and rose steadily to
$130.00 per month for the #most expensive. There was a note at
the bottom of the #screen saying they wouldn't be beaten on
price - now there's a challenge, so off we went again...
This time, we visited a site of a popular life insurance
company - it was a nice simple site that didn't require us to
enter a phone number - we like that!
The results were impressive.
The cheapest life insurance quote we got was for $73.00 and the
most expensive was $130.00 per month.
But, we're on the #lookout for cheap life insurance - and
already, by choosing two different companies from the #top ten
in Google's results, we can see an immediate difference of
$15.00 per month for identical policies - ok, they might not be
identical, but the #parameters were the #same.
$15.00 doesn't seem that great a difference, but over the #20
years term, that amounts to a saving of $3360
The problem with the #sites that "do all of the #work" for you
seems to be that they all deal with different insurers - and
some get better deals to offer than others.
We're not sure how objective these services are to be honest,
but using one of them does seem to give you a better idea of
what you should be paying than by simply one insurer.
Our advice - try a few different comparison sites in order to
find cheap life insurance.
compare one life insurance product against another? You need to
do your home work if you want to get life insurance cheap and a reasonable cost.
According to all of the #ads on TV, it should be easy to find
cheap life insurance, but how easy it in reality.
We set out to discover whether there really is any such thing
as cheap life insurance and here's what happened.
The number of web sites offering cheap life insurance is
staggering.
We did a search using the #US version of Google using different
search parameters and these were the #results:
Search Term for cheap life insurance and the #Google results
"cheap life insurance" - (the quotes ensure that only sites
containing the #actual phrase are returned) 625,000
cheap life insurance - no quotation marks 63,500,000
"life insurance" - the #quotation marks were necessary
105,100,000
As you can see, there is plenty of choice when it comes to
finding life insurance, particularly cheap life insurance, so
when you get that many results, what do you do?
It's obvious that when 625,000 sites are promoting cheap life
insurance, that you can't possibly visit them all and look for
the cheapest life insrance policy! You'd probably die trying!
It seems from research by the #search engines themselves, that
most web surfers will simply click onto one of the #top placed
sites in the #results column.
That approach might work, but will you get cheap life insurance
as a result?
Sadly, you probably won't. It just means that the #site you see
is very good at search engine placement, or they have targeted
and paid the #search engine to place them in the #top spot for
the term, "cheap life insurance". There's nothing wrong with
that, but we'd like to save you some money if possible.
You might have seen a number of sites offering a one-stop
quotation service - where you enter your details once and then
get competitive quotations from competing insurers.
The idea of getting cheap life insurance from one of these
sites is super because it saves you lots of time. We like
things that save time!
We tried an experiment to see the #range of quotes for a
married, middle-aged, non-smoking couple looking for cheap life
insurance using a site called http://www.quality-ins.com.
The quote was for level term life insurance over 20 years
providing cover for 350,000 - it seemed a nice amount to spend
at the #time!
The search returned 10 results (plus one duplicate), mainly
from household name insurers.
The cheapest was for $85.00 per month and rose steadily to
$130.00 per month for the #most expensive. There was a note at
the bottom of the #screen saying they wouldn't be beaten on
price - now there's a challenge, so off we went again...
This time, we visited a site of a popular life insurance
company - it was a nice simple site that didn't require us to
enter a phone number - we like that!
The results were impressive.
The cheapest life insurance quote we got was for $73.00 and the
most expensive was $130.00 per month.
But, we're on the #lookout for cheap life insurance - and
already, by choosing two different companies from the #top ten
in Google's results, we can see an immediate difference of
$15.00 per month for identical policies - ok, they might not be
identical, but the #parameters were the #same.
$15.00 doesn't seem that great a difference, but over the #20
years term, that amounts to a saving of $3360
The problem with the #sites that "do all of the #work" for you
seems to be that they all deal with different insurers - and
some get better deals to offer than others.
We're not sure how objective these services are to be honest,
but using one of them does seem to give you a better idea of
what you should be paying than by simply one insurer.
Our advice - try a few different comparison sites in order to
find cheap life insurance.
posted by Monty Loree at 6:06 AM
3 Comments:
Hi! Just want to say what a nice site. Bye, see you soon.
»
I say briefly: Best! Useful information. Good job guys.
»
Great post. Finding cheap and best quote is little difficult but if a person do spends quality time to find a quote of their choice it is possible. I do agree with your words that knowledge is absolutely needed if a person really wants to get life insurance at a reasonable price. Thanks for sharing all the search parameters as it will ease everyone to find policy in less time.
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