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Q: Why would comparing only the cost of life insurance coverage not be a completely valid approach to determining the best policy?
A: To compare the costs of purchasing a life insurance policy, it is recommended that consumers obtain quotes for similar policies from different companies. Comparing costs only makes sense if you are comparing similar policies. [ Comparison of costs can become increasingly complicated when products include such non-guaranteed features as dividends or additional amounts. There is no guarantee that
a company?s past practices with respect to non-guaranteed features will continue. Quotes for various products can be readily obtained from many sources, including local agents and brokers, telephone quote services and the internet. Make sure that you can afford the amount of coverage you intend to purchase. Premiums for some products can change over time and your circumstances i.e. your ability to pay the premiums over an extended period of time may change as well. When comparing the costs of policies be sure to ask if the premiums, death benefit, or cash values can change over time. ]
de_cipher|Points 70|
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Asked 9/17/2011 10:18:29 PM
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