We don’t hear much about getting an accidental death dismemberment insurance quote as no one is really pushing or promoting the coverage as agents make very little money on it and is not worth promoting. They are looking for the larger ticket items with high commissions that being regular life insurance instead of offering you accidental death dismemberment insurance quotes.
Generally speaking regular coverage is better to satisfy most of your needs as the probably of accidental death is very low. Typically the rate per 1,000 is as little as .08 cents per thousand. Being that inexpensive tells you very few claims are paid through the accidental feature.
Planning your family’s future on such a low probably would be unfair and a real gamble. Chances are you wouldn’t want to gamble with your family’s future. As a supplement coverage this feature may be the right thing to do. Many people travel a lot and the exposure increases significantly.
If for example you purchase a $100,000 policy from natural causes you could add a $100,000 of ad&d for around $8.00 per month more. The dismemberment feature pays various lump sums for different limb losses.
Most agents in presenting various quotes to you normally include the feature. If you go online to get your quotes remember to add the feature(s) you want as the coverage is normally not automatically included. You can also purchase an entire ad&d policy by itself.
Shopping on the internet gives you unbiased views without prejudice and may be the best way to get an accidental death dismemberment insurance quote.
This is a question that I ask myself almost on a daily basis, Why Don’t People Care about their families? Getting instant life quotes is one of the easiest and most important decisions you can make for your family and their future and yet it seem like everyone thinks they can just put it off until tomorrow…Why?
Do you know the exact day that you are going to die? Will it be today? Maybe tomorrow, next week or maybe you’ll die of old age. Do you know what the cause of your death is going to be or are you just guessing or even worse yet just ignoring the fact that you are going to die. This is the question that is so frustrating to me because we all know we are going to die. There is no doubt about that fact so we should prepare ourselves and families for that day now! We should try to protect our families from the financial disaster that could occur after we are no longer able to provide for them especially when it can be as easy as an instant life insurance quote.
So instead of taking two minutes of your time to get an instant life quote you just gamble with your family’s financial future. Do you realize they are called instant life quotes because they are shown instantly to you? You can even decide what life insurance company you would like to deal with as they are all shown to you at the same time with the price for your policy right next to it. Then you can decide what price range fits your budget the best and apply for it without ever even talking to an insurance agent. With all of this technology you can not say that you were just to busy to get a life insurance policy only that you truly did not care enough about your family to get one.
Now, that you have all this information about life insurance and how long it will take to get an instant life quote you should get your policy. If you still think that you do not have the time or money to get a policy then you should call a family meeting. The living room will probably work, then all you have to do is admit that you really do not care enough about them or their futures to make getting a life insurance policy a priority.
You may think that this is a pretty harsh article and maybe it is or maybe I am trying to help you except the fact that we are all going to die and you should care enough about your family to purchase a life insurance policy. Insurance agents have to tell people on a weekly basis that they are uninsurable because they waited to long and their health is now so poor that insurance companies will not insure them at all. You see after you have had that conversation enough times you would just like to smack people and wake them up so the understand you are taking a serious gamble every day you do not get an instant life quote.