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Why so many life insurance questions?

Written by Aaron Pinkston, Wed, Jan 06 2010

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Generally speaking, we have found there are two people who react to the sheer number of questions you could be asked before getting your life insurance quote. Mind you, I am not saying we ask a lot of questions by default, but if you travel outside the country, have diabetes, smoke cigars, and are an amateur pilot, expect a question or two.

One group is thoroughly impressed by this method of life insurance quotes. They feel vindicated because they know the specific questions will lead to customized results they could only get by telling their own personal story (without revealing their identity to agents of course).

The second group is leery of answering so many questions because they know there is no way for them to get instant life quotes. They understand as they answer more and more questions that there is no single great computer or all-knowing program that is able to spit out an accurate, instant results – which is what they came here for.

What all the life insurance questions mean

The thing is, everyone wants accurate and customized results they can get instantly. But you really have to choose between immediate gratification and great results. So many of our competitors do instant well, but so often this comes with the added draw backs of high sales pressure and a low-level of customization and competitiveness.

Instead of trying to out-instant instant, we decided to deliver something different that you cannot get anywhere else. That is why we have to ask all the questions. Not all of them are required – I can generate a quote request in our system in about 45 seconds. But the more accurately your answers reflect your situation, the more accurately you life insurance quotes will too.

Are instant life quotes worth it?

The other thing to keep in mind is that if you chose instant over competitive quality life quotes, you will eventually have to answer all these questions anyway. Let’s say you go to one of our competitors’ websites and you are asked to designate your health as one of a few inane categories like “regular” or “regular plus”, would you know which one to choose? Would you know (or does their computer program understand) that these categories do not have the same requirements with all companies?

By choosing instant life insurance quotes over quality, you are well-assured of getting a quote that does not apply to you. Then when they finally get you on the phone, you have to answer all these questions and you might find out what you should really expect is different.

Instead, try answering those questions one time and get accurate quotes so you know what to expect up front. By the time you get on the phone with the agent, there is no need for another sales pitch and they should have most of the application already filled out.

All of a sudden, our way sounds a whole lot easier too. Probably because it was designed that way. Start your quality life insurance quote today to see how easy choosing can be.