Choosing A Life Insurance Company

Shopping for Life Insurance Online

This article provides three factors to consider when shopping for and comparing life insurance quotes online in order to avoid purchasing the wrong policy.

3 Considerations When Shopping Online For Life Insurance Quotes

From the comfort of your own home, smartphone, or other mobile device, the Internet allows you to conveniently shop for just about anything you need. In fact, many of the services that were traditionally purchased in person and across a desk can now be easily obtained online – including life insurance.

But while the Internet has made quoting and buying life insurance fast and easy, there are three important factors you should consider when shopping for and comparing life insurance quotes online:

1. Work with a reputable life insurance company

When evaluating a website for life insurance quotes, do a little bit of homework to be sure the company you are getting your quotes from has a sound reputation and is financially stable. Have a look around the website. A top-rated life insurance company will typically provide information on the history of the company that includes how long they’ve been in business and their value proposition in serving customers.

2. Have access to a licensed agent

Companies that want to earn your business should make quoting and applying for life insurance coverage online as uncomplicated as possible. However, even an easy-to-use system doesn’t mean you won’t have questions. More than just technical support, a good company website should provide you the option of connecting by phone or email with an agent who can answer coverage and policy questions.

3. Do a little homework

Before shopping around for quotes online, you should have an idea of how much life insurance you need. Don’t guess. Many company websites have an online needs calculator that allows you to easily plug in the numbers for a quick estimate. Next, familiarize yourself with the different types of life insurance the company offers. For example, if you’re looking for something other than a term policy, what options for permanent policies are available? A good company website will often have valuable information on all types of life insurance plans to help you better understand how different policies work.

Many top-rated life insurance companies are now offering their products online. And with busy schedules, this can be a convenient way to get the coverage you need – today. However, it’s important to take the time to consider the company that you’re providing your information to before embarking on the quoting or application process.

To learn more about our types of life insurance, visit our learning center.

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This article is a high-level summary of things to consider when purchasing life insurance. The information presented is for information and educational purposes and meant to supplement other information specific to your situation. It is not intended as investment advice and does not necessarily represent the opinion of Protective or its subsidiaries.

Neither Protective life nor its representatives offer legal or tax advice. We encourage you to consult with your financial adviser and legal or tax adviser regarding your individual situations before making investment, social security, retirement planning, and tax-related decisions. For information about Protective life and its products and services, visit

Shopping Online for Life Insurance

Shopping online for life insurance can be easy and convenient for people that already know what type of policy they need and have already determined how much coverage they need. But if you don't already know what you need and how much you need, it will be important to do your homework before starting quoting process. Today many insurance providers offer online quoting tools and information about their services, and this article highlights a few considerations when shopping online. Carrier reputation and having the necessary information to make informed decisions are important aspects of your shopping experience. For more information, visit our learning center.