Life insurance is pure and simple: If the insured person dies during the term of the insurance policy, the death benefit will be paid to the beneficiary.
Finding the right policy for you isn't pure and simple: Different companies, different costs, so many options. That is where the Modern Insurance Store comes in.
Life insurance companies generally use their own underwriting guidelines to calculate your life expectancy, the amount of risk they will assume, and the rate they charge for coverage.
One life insurance company might consider you a high risk to insure and therefore charge you the higher rate of a less preferred customer. Another company might see your overall health quite differently and give you the lower, preferred rate of their most healthy customers.
Due to these differences in insurance companies, and the specifics of a person’s situation (lifestyle, income, debts), an insurance broker can be a valuable asset in helping you find the best insurance company with the best rates.
First, The Modern Insurance Store can educate you and help you choose the right type of life insurance that will best protect you and your loved ones.
Second, we will shop around for the best companies and the best rates for your chosen type (or types) of life insurance policies.
Lastly, once you are comfortable making a choice on a life insurance policy, we will get you all set up!