Online Life Insurance Quotes in Canada

Canada’s easiest FREE INSTANT Life Insurance Quotes Online Now!

The internet has brought the world of information to our fingertips almost instantly and shopping for life insurance online too has become easier than ever. You can avoid the cold calling salesperson, do your research when you want and get quotes to find out what you should be paying for life insurance, quickly and easily online!

This all seems to be easy and convenient, but there is more to it than that. This article will explain the process and what to expect when getting a quote for life insurance or health insurance online with most websites, and how Life Guard Insurance is different from the rest.

Instant Online Life Insurance Quotes

The most common online life insurance quoting tool on the internet requires you to enter some personal information, like name, phone number and email address in order for the instant quote form to work. This is simply a way to capture your contact information in order to try sell you life insurance after you enter your information.

Unlike our competition, at Life Guard Insurance we allow you to use our instant life insurance quoting tool�as much as you want without having to enter your contact info. Under the quoting tool you will see Request a Quote form if you would like to contact us and have someone call you. The unlimited access to our online life insurance quotes tool allows you to research multiple life insurance products and coverage amounts quickly and easily without having to send in your personal information each time.

The reason other life insurance websites are asking for contact information is to try and make sales as fast as possible. At Life Guard Insurance, we too want to help you buy the life and health insurance you need but we would prefer you to initiate contact so that we are not making unwanted sales calls. The internet is a fantastic tool to reach interest consumers who are looking to buy products, like life insurance, but it has so much more power than just quoting and capturing information. At Life Guard Insurance we believe in educating and empowering our visitors with information so that when you do decide to contact us you are well informed and know what type of life or health insurance you are looking for.

Either way, if a life insurance broker calls you from your online quote, or if you initiate contact, you will be able to speak with a license life insurance broker about you life�insurance�needs. just remember, if you enter your name, phone number and/or email into a website, life for life insurance quotes, you will be getting a phone call or email follow-ups shortly after sending in your info. Actually, some form of follow-up from a professional life insurance broker is�necessary�in Canada. Purchasing life insurance online directly is not available in Canada, and you do have to at least speak with a licensed life insurance broker. If you are shopping and buying JUST the lowest priced policy, it might not be the best fit for you and be a problem later in life. There is still a lot to be said for meeting with a professional and experienced life insurance broker with a face-to-face meeting and discussing all your options for life and health insurance. The topic of insurance and risk management can be a complex one and guidance from an experienced broker can be very valuable.

The Request for Life Insurance Quotes Online

Requesting a quote is different from the Instant Online Life Insurance Quotes. Typically, the instant quote for life insurance is limited ONLY to life insurance policies, and specifically Term Life, Term 100 and Whole Life products. You cannot get an instant online quote for�Universal Life Insurance, or most health insurance products like Disability Insurance, Critical Illness Insurance or Long Term Care Insurance. These insurance policies are too complex and have too many variables to get a quick price online.

For example, let’s take a closer look at Disability Insurance: the insurance�company must consider�your 3 main risks; health (including smoking status and age), occupation (how risky is your job), and income level (insuring only a�portion�of actual earned income). There are also multiple different plans from each insurance company tailored to different types of works, from blue collar to white collar professionals. You can choose different options for the waiting period before benefits begin, length of time benefit payouts will last, the maximum or a lesser amount of income to be insured, and various optional riders and benefits. So, you can’t just run a price comparison for the cheapest rate. The numbers would be�meaningless. These plans only hold value when they are customized to your situation.

To get a quote for a more complex life or health insurance product you can use the request a quote online form, for either life or health insurance. You will be asked to input your email and/or phone number so the insurance broker can get you the life insurance quotes you need (or health insurance). An insurance broker will probably need to contact you to verify certain information in order to get �you properly customized life insurance quotes.

Requesting a quote from a life insurance broker is probably your best option. Either way (Instant Life Insurance Quote or Request for a Quote) you will be able to get the information you need and research your life insurance options. With the insurance quote request, the life insurance broker will be phoning to open a discussion about your situation and needs, gathering information to deliver yu a personalized, high value quote designed just for you. If you just quoted $500,000 of Term 20 life insurance�through any other website you could expect a call asking if you would like to purchase the coverage. At Life Guard Insurance we will wait for you to contact us, as just running term life insurance quotes online might not mean you are in the�market�to buy life insurance just yet. And what if a Term 20 life insurance plan for $500,000 of coverage not the right plan to meet your needs? A proper insurance needs analysis has not been done and you might not know all your options for life and health insurance. If all you rely on are online life insurance quotes, you might buy the wrong type of life insurance which will cost you a lot more money in the future.

Shopping for life insurance on the internet is the future

In 2009 over 54% of all people who purchased life insurance got an online quote before they bought. Shopping for life insurance over the internet is the future, but you need to be able to trust the website you are visiting. The research you do, and quotes you get online are only just the first step towards getting life insurance coverage. In Canada there is no way to purchase life insurance coverage online directly without speaking to a licensed life insurance broker or agent, at least over the phone. You should still need to meet with an advisor face-to-face to understand the insurance that is best for you and understand the product before you sign any paperwork.

At Life Guard Insurance we hope that online sales of life and health insurance only goes so far in Canada. Insurance is complicated, and clients need an advisor to guide them and explain how their life insurance works. Designing a customized plan for you takes time and the help of a qualified insurance professional. Build a relationship with your life insurance broker, explaining your needs and concerns to him/her to get the best insurance advice before you buy. If you trust your life insurance broker/agent has your best interests at heart, and they have access all products in the Canadian life insurance market, you will be getting the best life and health insurance you can buy.

Life Guard Insurance gives you the easiest, best online life insurance quotes

Please visit our Quote Center for your free, instant online life insurance quotes now.

The article was written by +Mitch Reynolds. If you found this article interesting or it made you think, please feel free to share your comments below. Liking us on Facebook, giving us a +1 on Google or Tweeting this article about online life�insurance�quotes�would be very much appreciated.

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