You have made the decision to purchase life insurance. You start searching on the Internet and the first thing you'll find is that there are a large number of these websites jockeying for position on the search engines. Well, "these sites are ranked highly in Google, so I'll start with them,' "you say. The second thing you'll probably notice is that these websites, while seemingly similar, have very different methods of delivering quotes. How does one choose and how does one maintain one's privacy while searching?
The best type of life insurance website, in my opinion, delivers multiple quotes for you without you having to enter your personal contact information. Some health-related information might be asked to improve the accuracy of the quotes, but that information won't be attached to your profile. With these types of sites, there are typically one or several licensed agents on staff who are at your disposal, if needed. Only if and when you decide to apply for a policy will your contact information be needed.
Some websites similarly staffed by licensed insurance professionals ask for your contact information prior to giving you the quotes. There is no valid reason this information is needed to issue a quote. They are collecting and storing your personal contact information solely for future marketing efforts. While many of these websites provide excellent service, they are gathering your information either to market to you in the future or to monetize your contact information (an Internet marketing term, meaning exactly what it sounds like - to make money from your information).
Next is what we call the lead generation websites. They may appear to be similar to the websites described above (although you'll notice most of these sites ask for your zip code to get started), but the operators of these websites are not in the business of selling life insurance - they are in the business of selling leads. The information you submit to these sites is collected for the sole purpose of selling the information to insurance agents, who will then contact you to try to sell you a policy. Some of these leads (your personal information) are sold to single agents and some are sold to as many as eight agents. So, now the lead generation company that collected your information, along with one to eight insurance agents now has your information. Now you will have all these people trying to contact you to sell you a policy.
My advice is to select a life insurance website that will show you quotes while you remain anonymous. Only when you're ready to purchase a policy should you submit your name, date of birth and contact information. In this day and age, it's best not to share that information too freely.
Richard Reich, President of Intramark Insurance Services, Inc. in Pasadena, California is licensed to sell life insurance in 50 states and the District of Columbia. On http://www.lifeinsure.com, one can get multiple life insurance quotes without having to enter personal contact information.
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