Level Term Life Insurance

Anybody have a good source or a strategy to obtain life insurance at the end of a good solid company?

I had several agents to quote me, but they seem high compared to prices that my colleagues have achieved. They all seem to escape the basic level of life insurance and push more riders ... its obvious they are trying to maximize their commissions.

I thought about using an insurance advisor fees only, but the only local one I found is $ 300 per hour.

If they are all in the same price range, then maybe you're just a higher risk than their friend.

Regarding the riders - I recommend "guaranteed renewable and convertible. I think it's a bargain. Dave Ramsey recommends always Zander insurance - they have a website. Unafilliated I am with them, I just like Dave Ramsey.

Premiums could be higher if your older than your colleagues or if you smoke, have health problems, or have a job more dangerous.

There is really no need to obtain an insurance advisor for a fee. Call around some of the major companies and get quotes as Allstate, Farmers, State Farm, Auto Club, ect. Get the estimate in writing, either by mail or fax to you so that you can compare.

And I do not know who speaks your riders. You may want to post them. The riders are generally not cost much, but you can choose which ones you want to choose or not at all if you want.

Why not ask these gentlemen what they have the insurer and the way they are satisfied? This is the best approach.