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The Truth About Life Insurance

Licensed Life Insurance Agent/Marketing Manager
March 27, 2020

There are so many life insurance options out there, how do you know you are getting the right coverage? Or the best deal? 

The real answer is you don't. It is important to shop around to find the best coverage and rates for your needs. 

Doing your own due diligence can help you narrow down your options. Or working with a licensed life insurance agent can be beneficial. An agent can help guide you through the process.

How the life insurance process works

Life insurance, in most cases, is not something that you can automatically buy. Life insurance is something that you have to qualify for. Life insurance health classifications and rates are determined by an insurance company.  

From there, an application will be reviewed by an insurance company underwriter who will ultimately make a decision regarding whether or not an application will be approved and at what rate it will be approved at.  

Typically if you are young and healthy you won't have an issue finding a great company at a low rate. However, if you have any health conditions or are a more experienced adult, it could be beneficial to work with an agent to find the best option for your unique needs.

How life insurance is used

Life insurance is most often used to:

  • Replace income
  • Cover debts
  • Leave an inheritance
  • Pay for children's education
  • Paying estate taxes
  • Paying final expenses


Life insurance can be a great tool for long-term financial stability. However, there are scenarios where a life insurance policy may not be necessary for you. There also may be different policy types or coverage amounts that better fit your needs. 

To find out how much life insurance you need, use our life insurance calculator or call us today to speak with a licensed life insurance agent to find your best option. 

Written by
Chelsie Ball
Chelsie is fixated on developing innovative ways to present complex ideas and maneuvering people to the information they need. She has worked in digital marketing for the past eight years and has been a licensed life insurance agent since 2010. When she isn’t looking out for the user, you can find her watching Netflix or desperately trying to find a real hobby.