How To Get A Quick Price For Insurance Without An Agent

We can all agree that we live in a world of TV ads, social media posts and lots of other noise pertaining to most products, their benefits and other information. But the one thing that the majority of people want to know is the price of the product before they do a deep dive for the rest of the information. 

This is why we make it as easy as possible for you to get a price estimate* for most of our insurance products. No matter if you're looking for life insurance, cancer insurance, dental, vision or another product, you can visit our site and find out quickly by just entering some basic information. The whole process can literally take less than 10 minutes. 

You have probably seen the commercials for a life insurance brokerage that claims to get you a quote quickly. The ugly truth is that you won't get your rate quickly, because they sell your information to an agent who is purchasing their "leads". In other words, instead of getting your price, you'll have one or more agents begin calling you. That is not what you signed up for.

Just to be clear, if you get a quote from our site, we will contact you via email just to see if you have questions or concerns. And if you decide to purchase a policy we will need to get extra information to complete the application and for the subsequent underwriting process. 

If you are curious as to how much travel insurance or a hospital indemnity plan would cost you, get a premium estimate quickly from our site, without having to talk to an agent. And if you do need some help, drop us a note and one of our agents will contact you.

*Insurance rates given on our site are "estimates" and the final premium is subject to underwriting. 

Chris Castanes is the president of Surf Financial Brokers, helping people find affordable life and disability insurance coverage. He's also is a professional speaker helping sales people be more productive and efficient and has spoken to professional and civic organizations throughout the Southeast. Please subscribe to this blog!

Why You Shouldn't Wait To Buy Life Insurance in 2025

When it comes to life insurance, many people tend to put it off. They might think, "I'm young and healthy, I don't need that yet." However, delaying this important decision can cost you more in the long run.

Here's why buying life insurance when you're younger is a smart financial move:

1. Lower Premiums:

   • Healthier, Lower Risk: Younger individuals are generally healthier, making them less risky to insure.
   • Longer Life Expectancy: Insurance companies factor in your life expectancy when calculating premiums. A younger age means a longer projected lifespan, resulting in lower costs.

2. Locking in Rates:

   • Protection Against Future Rate Hikes: By purchasing a policy early, you lock in a fixed premium rate. This shields you from potential future rate increases due to age, health conditions, or economic factors. *

3. Peace of Mind:

   • Financial Security for Loved Ones: Knowing that your family is financially protected can provide immense peace of mind.
   • Legacy Planning: Life insurance can help you leave a legacy, ensuring your loved ones are taken care of, especially if you have dependents or significant debts.

4. Potential Tax Advantages:

   • Tax-Free Death Benefits: In many cases, the death benefit paid to your beneficiaries is tax-free, providing a significant financial boost.

Common Misconceptions:

• "I'll Buy It Later": Waiting can lead to higher premiums and potential health issues that could make you ineligible for coverage.
• "It's Too Expensive": While the cost varies, there are affordable options, especially for younger individuals.
• "I Don't Need It Yet": Even if you're single and childless, life insurance can protect your assets and cover final expenses.

Taking the First Step:

If you're considering life insurance, it's best to start early. Here's how to get started:

1. Consult a Licensed Agent: They can help you assess your needs and recommend suitable policies.
2. Shop Around: Compare quotes from different insurers to find the best deal. An independent agent is best suited for comparing policies. 
3. Understand Your Policy: Familiarize yourself with the terms, coverage, and limitations of your policy.
4. Review Regularly: As your life circumstances change, re-evaluate your coverage needs to ensure adequate protection.

By taking proactive steps to secure life insurance, you're making a wise investment in your future and the future of your loved ones.

*Depending on the type of coverage you purchase, you may be "locking in rates" for 10, 15 or 20 years, or even a lifetime!

Chris Castanes is the president of Surf Financial Brokers, helping people find affordable life and disability insurance coverage. He's also is a professional speaker helping sales people be more productive and efficient and has spoken to professional and civic organizations throughout the Southeast. Please subscribe to this blog!