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Term Life Insurance No Agent Phone Call

Written by Life Insurance Dad, Thu, Nov 12 2009

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It is never easy to think about our own mortality. It is even more difficult to ponder the aftermath of a premature demise. Shockingly (and despite the essential need for responsible coverage), nearly one third of all adults in the United States do not carry life insurance. Even more surprising, two out of every five who are carrying policies do not believe their policies are worth enough.

For those people adamant about not carrying insurance, no agent phone call is likely to change their mind. But what about those souls who would like to secure term life insurance, yet dread the inevitable agent sales pitch? There is hope.

If you wish to secure term life insurance, no agent phone call included, there is indeed a better way.

Things aren’t like they use to be. These days, when it comes to term life insurance, no agent phone call is really worth the agent’s time. Though the actual number of term life insurance policies sold continues to climb, these term policies are almost never sold by phone. The reason? The commissions on term life insurance policies are so low, no agent phone call is ever likely to get made.

Why are the commissions so low for term life insurance, and why are so few agent phone calls taking place? The answer is relatively simple.

Term life insurance policies are rarely worth an agent’s time. They differ from whole life insurance policies in that they carry no attached savings component. If a policy holder is still breathing by the end of your policy’s term, the policy terminates without the holder receive so much as a single red cent back. Policy rates continue to fall as our life expectancy continues to climb. As we collectively live longer and longer lives, we do not need to pay nearly as much for protection against our passing.

Term life insurance, with or without an agent phone, has historically been sold rather than bought. In other words, many people will never know about or understand life insurance until someone sits down and explains the process to them. That is where the insurance agent has historically come into the picture, but that ball game is changing.

The number of life insurance agents in the field has been on a steady decline for decades. The days of the phone call are nearly at an end as the ease of the Internet gradually rises to further prominence. Do-it-yourself term life insurance (no agent phone call necessary) quotes abound. These days there are even websites catering directly to smokers or cancer survivors in need of life insurance. But only a few websites offer customized term life insurance quotes with no agent phone call.

The game has certainly changed. If you are looking for term life insurance, without making an agent phone call, there has never been a better time than now. Go online and do the research. Chances are you can have a policy before you know it without ever having to dial a number, or speak into the other end of the receiver.

Term life insurance – no agent phone call, no problem!