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Health Insurance California >> Life Insurance >> Life Insurance Availability Availability of life insurance Life Insurance Agents Most people apply for life insurance policy through agents, licensed by the State, who might represent one or more companies. If you are choosing an agent, choose carefully. Agents earn a commission on your business. A professional insurance agent would do more for you than just sell you a life insurance policy. They need to assess your needs, answer your life insurance query and help you establish your goal. They need to advise you, and help you update your life insurance. If you consider purchasing variable life insurance policy, the agent should have an insurance license and a registration with the National Association of Securities Dealers. Variable products generally involve securities. Group Life Insurance Many employers offer life insurance under as a group insurance plan, and sometimes pay part or the entire premium. A medical exam is generally not required for life insurance policy purchased this way, and the insurance could be much cheaper than the life insurance purchased as an individual. Under California law, group life insurance policy must be adaptable to permanent life insurance at the insurer’s option when the insured’s coverage under the group insurance policy terminates. The converted policy would probably be much classier than the group insurance. Some employers would allow insurers to send agents or enrollers into their premises to offer insurance policy to their employees. Policies offered in this manner are different from group insurance policy, and you must appraise the materials shown to you in the same way as if you were allowing for a purchase of an individual insurance policy through an agent. Buy Life Insurance Online and Save
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