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Term Life Insurance FAQ
GETTING STARTED
It’s important to speak with a licensed life insurance agent. Why?
Online quotes are helpful to obtain ballpark figures on term life insurance premiums. But to actually get coverage, you must first speak to a licensed term life insurance agent.
You’ll learn about the different types of policies available, and get the free information you need to make your decision.
Once you are ready to apply, your life insurance agent will ask you health and lifestyle questions and will arrange a free medical exam. (Here’s why you need a medical exam to get life insurance.)
Once these are completed, your rate class is determined. A rate class is the category assigned to you that indicates what you will pay for your life insurance coverage. Then, your life insurance agent can give you an accurate quote on a term life insurance policy that fits your needs.
Getting a term life insurance quote online is a good first step, but you should speak with a licensed life insurance agent to get an accurate quote. At Matrix Direct, our agents can give you a personalized quote right over the phone and will even start the application process for you.
© 2009 Matrix Direct, Inc. Agency services provided by Ronald J. (John) Harris in IA, TN and VT; Matrix Direct Insurance Services in CA (#0B57619), ME, MA, and OK; Matrix Direct Insurance Agency, Inc. in UT; and Matrix Direct, Inc. in AR (#246412) and all other states, except SD.
Matrix Direct, Inc. is a subsidiary of American General Life Insurance Company (AGL) and an affiliate of The United States Life Insurance Company in the City of New York (USL).
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