California Life Insurance Quotes

Written by Amy Hall
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If you are looking for California life insurance quotes, it is important to keep in mind that the cheapest quotes given to you are not always the best. When you log onto the Web, there are many sites that will allow you to type in some information for an immediate quote. Sometimes the problem with this is that you are not asked certain questions that are pertinent to calculating an accurate quote for your insurance needs.

Let's say you find an insurance site online, and they have a page where you can type in some of your personal information in order to obtain a quote for either term, whole, or universal life insurance. If you are not asked detailed questions about your family history, your medical history, your age, weight, height, medications taken, tobacco use, driving record, and hazardous activities, you are not going to get an accurate quote. All of these questions help insurance companies come up with a good guess at how much you can expect to pay for life insurance.

Finding California Life Insurance Quotes Online

Some sites will have you fill out a brief questionnaire online, and then a customer service representative or broker will call you for further information. A brief phone interview will supplement the information that you provided online, giving the broker a better idea of your risk assessment. If you agree to proceed, you will likely have to set up an appointment at your convenience for a medical exam, which can be performed at your home.

The cost for the exam is free to you, and it typically includes a blood test, as well as a blood pressure reading. Once all the results are in from your medical exam and questionnaire, your insurance company will handle the underwriting and your policy should be instated soon thereafter. Life insurance is necessary if you have a family that would need financial security in the event of your death.

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