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The Alemian File:How to Buy Life Insurance… It’s Easier Than it Used to Be

By David Alemian

The Internet has changed the world. It’s no big surprise then that it’s changed the life insurance industry, and the change is for the better.

When the Internet changes things, the change is big, and it’s fast. It was not too long ago that buying life insurance meant meeting with a life insurance agent for a 2-hour session. The meeting usually occurred at your kitchen table when you got home from work. Not exactly what a lot of people look forward to after working an 8-hour day that’s followed by a traffic-filled commute home. Often times it would require two meetings and if you wanted additional quotes from other agents the process seemed endless. Then after meeting with the agent, you still needed to take a para-med exam, with blood and urine samples. It was all worth it however, because the family needed the protection and peace-of-mind that comes with owning life insurance.

Let’s fast forward to 2017… Buying life insurance today is a piece of cake. Gone are the 2-hour sessions with a life insurance agent at your kitchen table. Today, if you know where to look, you can go online and in about five minutes you can be comparing quotes from multiple life insurance carriers. If you need assistance, you can talk with a live agent over the phone and even apply over the phone. No time for an exam?… No problem, a number of top the “A”-rated carriers have implemented some form of accelerated underwriting program the eliminates the exams if you meet certain criteria. A good agent can guide you in this area, and again it’s all done right over the phone.

Not every agency or agent is up to speed on these latest developments, and you might need to do some research to find these new modern agencies and agents. You can do your own research, but you would do well to check out Lowest Quote Life. Their website is www.LowestQuoteLife.com. Their system is built on the most up to date technology and their agents are knowledgeable and helpful. They will give you side-by-side quotes from the top carriers and, depending on your personal situation, will advise you regarding the best one for you. Moreover, you’ll also discover that the cost of life insurance has come down too. I talk about the low cost in my next edition of The Alemian File.

If you have comments, or questions send an email to David@TheAlemianFile.com. For more information, check out The Alemian File Facebook page. Make sure that you “Like” the Alemian File Facebook page when you visit.


About David Alemian

Successfully creating affordable retirement plans guaranteed to last a lifetime is a unique, specialty skill. It’s a challenging arena but respected writer David Alemian makes it look easy. Alemian is a leading retirement expert and nationally recognized authority whose expertise is shared via video columns, numerous journals, and talk-shows.

His national recognition results from both revolutionizing and revitalizing how organizations and individuals like you and me plan and save for retirement. Alemian is considered “The Go-To Guy” for creating and implementing absolutely irresistible, lifetime retirement pension programs.

Formerly the host of “It’s About Money” Radio Show, Alemian has also produced and is featured in over 200 financial education videos. Additional content can be found in many well-respected, publications including: MD Magazine, Physician’s Money Digest, Physicians Practice, Journal of Clinical Oncology, Consultant Live, Psychiatric Times, Cancer Network, OB/GYN.net, and The Healthcare Executives Network.


This article reflects the thoughts and opinions of the author and is being provided for educational and informational purposes only. It should not be considered financial or tax advice. Please consult your financial or tax advisor about your situation.

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