Get life insurance quotes without personal information! (2023)

Over the years, I've helped thousands of clients understand this.How life insurance worksin addition to assisting them in the insurance purchase process.

Today I'm going to walk you through the back of thebuy insurance onlineprocess and show you how to get life insurance quotes without personal information simply and easily.

[Form semester without exam]

If you are trying to get a life insurance quote and need to enter your name, email address or phone number, think twice and find a site that doesn't just need this type of information for a quote. .

The best way to avoid this problem is to get life insurance quotes online without personal information and thenBuy your life insurance 100% online.

now there istwo types of life insurance productsthat allow you to:

1. Online life insurance

A new type of life insurance product that lets you do just thatcomplete the purchase process completely onlinewithout an agent and get instant coverage for those who qualify.

According to LIMRA, only 15% of consumers this year reported completing and submitting a life insurance application online.

In the coming years, as millennials age, I expect that number to increase significantly.

Millennials are far more savvy online shoppers than any other generation of insurance shoppers and are more likely to purchaselife insurance online.

And imagine it gets better:

companies like Bestow and Haven Life,Use proprietary algorithmsfor your insurance products, you can view our in-depth reviews as well as ourladder life insurance review.

These products are currently intended for people in medium to excellent health and are part of themillennial age group.

Online life insurance policies can offer up to $2,000,000 in coverage, and sometimes even offer lower rates than companies that require a medical exam.

Streamlined display products and you can usually get a response or approval within 24-48 hours.It is generally acceptable with below average health and coverage amounts, usually going up to $1,500,000.

They typically have very few health issues and allow for an e-signature process to submit your application. You don't need to speak to an agent and you can check in 24 hours a day.

There is also no additional cost to purchase this type of product.

Even though there are now severalLife insurer with simplified issuanceWe couldn't find anything better to choose from than Haven, Ladder, Bestow and Ethos.

You are ready and you have decided to buy 20 year life insurance and you are ready to find the best dealssome big companies.

Type "Term Life Insurance Quote" into your search browser and see some results.

Once you've landed on the homepage of a result that caught your eye, fill out the required form to receive your quote.

After clicking the button to go to the next step, expect some life quotes, guess what quotes aren't.

Just a message that says: "Our agent will contact you shortly."Too bad, isn't it? In fact, you probably missed the disclaimer, which usually looks like the company below.

This means that 90% of the time when you think you're getting a quote, you've given not only the company the right to call you, but also automated systems and lots of agents.

To be honest, most places you'll want to get a quote online share the same language. Check out 3 other sites below:

Image from Intelliquote.com

Image from Lifeplans.com

Image from Selectquote.com

So let's say you've visited the 4 sites above and are trying to get an offer to cover yourself.

Well, this is the crux of the dirty phone secret and where all your troubles will begin.

However, what they are selling is your information and your interest in coverage.

If you look at sites likeNetQuotejsegurosleads.comare the actual companies that own the websites.

When you enter your information into one of your forms, you have actually entered it into a huge database.

And an insurance agent like me is willing to pay and compete for your attention.

he goesworse:

Your information has been sold and now that it's in the database, all major insurance companies will designate you as a specific lead type.

For example, a lead limit of 5 means a lead can be sold up to five times. It is the potential number of times a lead can be sold.

Remember that leads don't necessarily sell as often if there aren't enough agents to buy them.

Some lead generators sell leads with a cap of 8, 9 or even 10.So now you can see where this is going and how the calls can pile up.

Each of these sites sold their information as a shared lead 10 times. Each agent has paid between $8.00 and $15.00 for your information and they all want to sell you something.

In the insurance industry, every agency has an agent follow-up goal. For me they told me to call him within 30 seconds of getting his information and continue daily follow up.

This means that in the first 30 seconds you probably missed several calls and weren't paying attention. The next day all your information would have been sold to the maximum number of agents

Your phone probably won't stop ringing for a whole 2 months.These calls don't stopeven after you have made a purchase decision.

There have been several instances where I emailed a former lead only to find the calls were so intrusive that the customer changed their phone number.

Most of my clients have been heartbroken because the phone numbers have stayed with them for most of their lives. They didn't want to give out the number, but they had no choice as they couldn't stop the calls.

It's very easy to think that you can just add them to the do not call list, but an agent can call you from 3 different numbers.Lifehacker.comI even made a post about itHow to get rid of telemarketersAnd it's not always an easy task.

At this point, you've learned a big secret that most agents don't want you to know.Life insurance offers without personal data.

With any of the above processes, you can have a much easier and simpler insurance buying experience.

You don't have to worry about agents calling you, as your application is sent directly to the insurance company for underwriting and approval.

As we said before, you canRequest a life insurance quote and insure online instantlyundisturbed by agents and at your own pace.