In many ways, life insurance is like a will. We all need one to protect our loved ones after we die, but we are so reluctant to deal with something that is connected to our demise that we put it off. With a will, it doesn’t really matter that much as long as you get it done in the end and even if you don’t, your family will still access your estate (albeit with a lot more stress and many more delays) but with life insurance, delaying it can be disastrous.

The longer you delay it, the more expensive it will be. And that’s only if you don’t contract a major illness before you get it, because if you do then the expense may be far too great.

That’s why it is essential to get it done early. So, stop delaying, stop making excuses and take these tips on board to get the best life insurance quotes this year and beyond.

1. Life Insurance Agents

Life insurance is something we typically only look into once in our lifetime, something that we don’t know a great deal about beforehand and something that we don’t want to spend too much time researching either. After all, no matter how old you are or how healthy you are, it always feels odd setting something up that will require you to die before it can be paid out.

That’s why so many people end up with life insurance agents, but as with any kind of financial advisor, there are limitations to what they will offer you. They can provide guidance, they can answer questions and they can make your life easier, but they won’t necessarily help you to find the policy that is best for you.

Agents tend to work with a few companies and they will offer you policies only from these companies. They may point you towards the best policies offered by these companies, but when there are so many more out there it goes without saying that those policies won’t be the best that you can get.

Ask that the agent takes more companies and more policies into account and if they do not, or they claim to have done so but you believe otherwise, then do your own research to see if they are telling the truth.

2. Use Online Comparison Engines

These days it is much easier to find the right insurance for you as there are dozens of comparison search engines that will point you to the best one based on your personal circumstances and your needs.

It is important to remember, however, that these sites don’t offer that service for free. They are often affiliated with the companies that they link to and while they don’t always give preference to companies that offer them the most money or the best deal, they do ignore companies that refuse to take part in their comparisons.

Those life insurance companies don’t want you to join them through a search comparison, because they will need to pay a considerable about of money to the owner of the comparison site when they do (much more than they pay to standard affiliates). As a result, some of them will refuse to participate in such searches and others will offer potential customers better deals when they go direct.

So, by all means use these sites to give you a general idea, but also make sure you check direct with the companies that are not included and that you see if the policy you have chosen is available for less by visiting direct.

3. Read Reviews

Personal reviews aren’t the best way to judge a comepany or a policy. Customers tend to only review companies like this when they have had a bad experience, and those reviews tend to be scathing. It can lead you to the belief that all companies offering insurance policies are scams, or have bad customer service, and that is simply not the case.

So, rather than focusing entirely on customer review sites, see what the critics have to say when it comes to the best kind of policies for the right person. We have discussed these extensively here on DebtReviews, using algorithms that take everything from choice and benefits to customer experiences into account.

You can find some of our guides below:

You should also take a look at our Life Insurance FAQ if you have any questions about this subject.

4. Be Honest

If you are a smoker, a drinker, or you have some kind of disease or disorder, you might be tempted to lie. This is especially true if you are dealing with a company that will not request a medical exam. However, this is never recommended.

Not only can the company request to see your medical records and other records (pharmacy, DMV, etc.,) but if you die and they find out that you have lied to them then the policy will be voided. That means that one lie could save you an extra $10 or $20 a month, but it could cost your family the entirety of the policy amount when you expire.

If you are a smoker, then consider stopping. If you are older, then consider buying GUL or Term Life insurance instead of Whole Life. There are plenty of options, plenty of ways that you can get the best life insurance quotes without lying, so don’t make the mistake that thousands of Americans make every year.

5. Take Your Time

It contradicts what we said above about not delaying, and you may be tempted to get it out of the way as soon as you can just incase something bad happens, but by spending a few more days going through the process you could be saving yourself hundreds if not thousands of dollars over the life of the policy.

So while it is important to avoid procrastinating and to make sure you get on this as soon as you can, it’s equally important not to rush things and not to accept the first seemingly reasonable quote that you find. Even if you see a quote that goes above and beyond expectations, you can still back away and look at what other companies have to offer. That initial quote will always be there waiting for you if it turns out that you can’t find anything better elsewhere.

You may also be able to save a little money by getting a couples or a family policy, and if you are married and have children then this could be a great option.