Where Can I Get Cheap Life Insurance? 
Regardless of whether or not a life insurance agency advertises cheap life insurance , the reality is that all life insurance companies must charge you the same price , no matter where you purchased the policy from . However , there are some factors that enter into whether you will find a cheaper policy at one agency over another . Some of these agencies ' methods are positive , and some are negative . Here are some examples of both . Positive 1 -RRB- The insurance agency takes all your health details and shops among multiple carriers to find the one that will issue your policy at the cheapest price . 2 -RRB- The insurance agency will sell you a policy that suits your need , not pressuring you to buy a more expensive policy just because it makes them more money . 3 -RRB- The insurance agent will go to bat for you if you are rated unfairly , and strive to help you resolve that , or find you another policy , if possible . Negative 1 -RRB- The insurance agency offers you a short term policy , or accidental death policy , just to make the sale . They do this whether or not that type of policy best suits your need . 2 -RRB- The insurance agency neglects to ask pertinent health details and then offers you a cheap policy . Or else they ask health details but still claim to be able to get you impossibly low rates , often out of ignorance . Ironically , to get the cheapest life insurance , you need a life insurance agent who is `` valuable '' . Go to someone you trust to listen to you , who will shop your case among multiple carriers to find your best price , and who will not sell you something worthless just to save off a few dollars and make the sale . That way you will have a policy of value at the most affordable price . 