How to Purchase Missouri Life Insurance | Term Life Insurance U.S.

Welcome to Huntley Wealth Insurance, where we offer a variety of life insurance products to help you meet your needs. As an independent agency, we can find you the best rates on term, universal or whole life insurance.? Getting life insurance in Missouri can be very simple, and we?re here to help you every step of the way. Feel free to get started by filling in the information in the ?Instant Quote Box? to the right. Or, read on to learn all you need to know to acquire affordable life insurance in Missouri.

Missouri has the unfortunate distinction of being higher than the national average in the top five leading causes of death (heart disease, cancer, stroke, respiratory diseases, and accidents) as well as having a shorter life expectancy than average. On top of this, it is prone to flooding along its rivers and sits right in the center of tornado alley.

I distinctly remember when the Picher-Neosho tornado hit in May of 2008. I was living in Springfield at the time, working for a nonprofit that responds to natural disasters. I threw some clothes into a backpack, hopped into the truck and hit the road. Trees and power lines lay strewn across the dark streets. The chilled night wind threatened repeatedly to blow the truck off course. It was too dangerous to attempt search and rescue in the dark, so we had to wait until the morning light ? not knowing how many people were stuck inside their homes, or lying injured out in a field.

When all was said and done, this tornado proved to be the deadliest in Missouri in 50 years. We were able to help many people over the next couple of weeks, but my heart goes out to those who lost loved ones. It is a terrible, shocking loss to lose a loved one so suddenly. But to make things even worse, many families then have to deal with the added burden of loss of income and unresolved debts. This is a burden that, if properly planned for, is completely unnecessary.

Statistically, your chances of dying in a natural disaster are pretty slim. Even in the year 2011, taking into account the even more devastating storms of that season, the odds of dying in an auto accident in Missouri remain far more than ten times greater. And any other year, this ratio would be much, much higher. But whether a life is tragically cut short, or whether a person lives a long and full life, it is crucial to recognize the importance of owning life insurance.

REASONS TO BUY MO LIFE INSURANCE

The most common reason that people get life insurance is to insure against the possible loss of income were the primary breadwinner of a family to die. Many choose to get a policy lasting the length of their mortgage, to make sure that the house would be covered in such a scenario. Actual or potential medical bills, unresolved debts, unpaid loans, insuring against the possible loss of a business partner or key employee, or simply ensuring that a person will be able to leave an inheritance are all great reasons to have life insurance.

The major life insurance companies in the U.S. offer most of their products throughout the country at the same price ? so there?s no direct advantage or disadvantage to purchasing insurance in Missouri. But there are certainly ways to ensure that you get a good deal on your premium. The first is to make sure you work with an independent agency, such as us here at Huntley Wealth. So-called ?captive? agents can only work with a single insurance company. Independent agents, on the other hand, are free to work with any company. So we can take your information and shop it around to various companies in order to find you the best rate for your situation.

MO LIFE INSURANCE COSTS

So what determines the price you pay for life insurance?

First ? How much coverage are you looking for? The more you want, the more it will cost.

Second ? How long do you need coverage? Typically, the shorter the term of the policy, the less you will pay. Though there can be minor exceptions, term policies are generally cheaper than whole life or universal.

Third ? What?s your health classification? This is where working with an independent agent is most beneficial. People with a specific medical condition (such as diabetes, a history of cancer, heart disease, etc.) will often be rated differently by various insurance companies. An independent agent can take your information and shop it around to different companies to find you the best rate. The difference of just one health rating can often mean a 25% difference in premiums. And even the healthiest individuals can benefit by working with an independent agent, for there will always be at least one insurance company more competitive on price for the specific policy type you are looking for.

Fourth ? Lifestyle choices can factor into calculating premiums. People employed in dangerous professions, those who engage in life-threatening hobbies, those who frequently travel to the Third World, smokers, convicted criminals, and those with a poor driving record (especially DWI?s) can all expect to pay higher premiums.

APPLYING FOR LIFE INSURANCE IN MISSOURI

To get started with a quote, use the Instant Quote Request box to the right. If you like what you see, you can follow the link to request an application. We?ll give you a call to make sure we?re getting you the best deal for your situation. Or, feel free to call me directly at 757-777-2545. I?ll take you through a brief questionnaire to help determine your health rating, then find you the best rate available.

Source: http://www.insuranceblogbychris.com/purchase-missouri-life-insurance/

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