Get quotes find the ones that apply to your needs at reasonable cost you may not pick the Lowest or the Highest one because you will check out the BBB and State on the ones you are thinking about doing business with..
All licensed insurance co’s will not pressure you to the point of telling you that is a one day only offer…If they do it is a salesman that will not be in business long. So check out what you find and go back to the one’s that check out. If you find one that you like and they are a little higher then the second one you like go back to them and have them sharpen their pencil a bit If they can they may if they can’t then you will have to make your decision biased on the original quote. Just don’t go back to a co. if you have not checked them out. A little common sense goes along way too don’t forget.
Also, Life Insurance companies will not "sharpen their pencils". The rates for life policies are based on rating class, age, sex, health, smkoing status, face amount and type of policy. The only hope is to have an underwriting decision reviewed in an effort to qualify for a better rating class.
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June 27th, 2008 at 10:34 am
There's usually a Dept of Professional Regulation in every state. Shoot them an email.
June 27th, 2008 at 10:34 am
Standard and Poors, AM Best are two organizations that rate companies from A-F. Check them out online.
June 27th, 2008 at 10:34 am
check with BBB or Dun & Bradstreet
June 27th, 2008 at 10:34 am
You can either contact the state insurance commissioner or go to the Better Business Bureau to find out if they are registered.
June 27th, 2008 at 10:34 am
Get quotes find the ones that apply to your needs at reasonable cost you may not pick the Lowest or the Highest one because you will check out the BBB and State on the ones you are thinking about doing business with..
All licensed insurance co’s will not pressure you to the point of telling you that is a one day only offer…If they do it is a salesman that will not be in business long. So check out what you find and go back to the one’s that check out. If you find one that you like and they are a little higher then the second one you like go back to them and have them sharpen their pencil a bit If they can they may if they can’t then you will have to make your decision biased on the original quote. Just don’t go back to a co. if you have not checked them out. A little common sense goes along way too don’t forget.
June 27th, 2008 at 10:34 am
Here are a couple of good references:
http://www.naic.org - National Association of Insurance Commissioners
http://www.ambest.com - Rating company for insurance industry.
Also, Life Insurance companies will not "sharpen their pencils". The rates for life policies are based on rating class, age, sex, health, smkoing status, face amount and type of policy. The only hope is to have an underwriting decision reviewed in an effort to qualify for a better rating class.
January 2nd, 2011 at 9:05 am
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January 4th, 2011 at 7:18 am
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January 27th, 2011 at 12:22 pm
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