Life Insurance

HOW TO BUY: CHOICE Of a COMPANY OR an AGENT

You can buy the life insurance at an agency of insurance, company of broking, banks, or directly of a company of life insurance on the Internet, above the telephone, or by the post office. The majority of the companies have Web sites to describe their products and the services and some will direct you towards a local staff.

How I choose a company?

Come into contact with your service of the insurances of state for a list of companies authorized your state, then:

• Ask the friends and the parents recommendations based on their own experiences.
• Speak with an insurance agent or a broker.
• Undertake a search for Internet.
• Seek the companies at a public library.

Generally, the insurers of the life are in the excellent financial health. They are required by law to maintain reservations to guarantee that they can meet engagements with their policy-holders. However, you should still check the financial force of a company.

You can check the financial statement of any company by looking at its estimate. The agencies of estimate, including A.M. Best Company, of the estimates of Fitch, the depressed services of investor, service of estimate of standard and insurance of the poor, and the estimates of Weiss, evaluate the financial force of the companies. The information of estimate is accessible in line or publications usually found in the section from businesses of your public library.