What Is The Best Way To Shop For Cheap Life Insurance Rates? 
Even though this is what I do for a living and may sound self serving , I would use an independent life insurance broker . Yes , you can get quotes and buy online anytime . However , everyone has a unique situation and an experienced broker knows the little tricks of the trade about how policies are underwritten by certain carriers . This information is not on anyone 's website . It takes experience to know which carrier will give non tobacco for an occasional cigar smoker or who has the most liberal height/weight chart or who will consider standard for controlled diabetes . Do n't guess be sure . The family you are gambling with is your own . 