Where Is The Best Place To Buy Term Life Insurance? 
The where/who question is a great one !! Our belief at ' I Hate Buying Insurance ' is the UNDERWRITING is the tail that wags the dog -LRB- one of my fav southern sayings -RRB- . There are hundreds of options across the country for Term Life . Each carrier has a different underwriting appetite . Do you have 5 - 10 extra pounds to shed ? That will be a factor between when determining what health tier you qualify for . Most carrier have 4 tiers & are commonly called Standard , Standard Plus , Preferred , and Preferred Plus . Most life insurance shoppers understand that health plays a huge role in determining the `` rate '' you qualify for . Yet lifestyle , occupation , hobbies , family health history , & more play into the rate you qualify for . A top agency will work with dozens of carriers . What name , mascot , or even financial rating -LRB- do n't sweat A - vs. A + + -RRB- are all secondary to getting the best underwriting for your specific needs . One carrier may offer you Standard while a Preferred is available at a second . Another thing to consider as of this writing is a new generation of Term Life called `` Living Benefits Life '' -LRB- LBL -RRB- You DO N'T have to die to use you `` life '' insurance anymore . Several carriers offer the ability to accelerate when diagnosed with a range of Critical or Chronic Illnesses . Just think of it as accessing the bank vault early . If you were diagnosed with invasive cancer , would n't it be to get a large sum of cash to help pay for deductibles , time away from work , home health care , & travel to the hospital you need that is in a different state ? LBL life might just do all that for you My suggestion for shopping Term Life plans : 1 . If the agent or dot.com you call doesnt ask A LOT of questions about health , history , & lifestyle , RUN . All theyre doing is guessing . Accurate rates do NOT come from age , height/weight , & current tobacco use . The agent needs to interview you so youre matched with the right carrier . 2 . Dont be afraid to ask the agent , What underwriting factors lead you to this option vs. any other carrier ? 3 . See if the agent offers you a LBL option . IF NOT , it is my strong opinion that her/she is NOT on top of current trends . If an agent or dot.com is doing what is best for you , several ideas/options should be explored . If you have any questions or comments , reach out to us ! 