{"id":103,"date":"2020-03-09T11:50:54","date_gmt":"2020-03-09T04:50:54","guid":{"rendered":"http:\/\/kobaran.baturetnostudio.com\/?p=103"},"modified":"2020-03-09T11:50:54","modified_gmt":"2020-03-09T04:50:54","slug":"shopping-for-life-insurance-now-as-easy-as-booking-a-hotel-room","status":"publish","type":"post","link":"https:\/\/www.radarkapuasraya.com\/index.php\/shopping-for-life-insurance-now-as-easy-as-booking-a-hotel-room\/","title":{"rendered":"Shopping for Life Insurance Now as Easy as Booking a Hotel Room"},"content":{"rendered":"

Talk about annoying.
\nHere you are, trying to keep your family from being left destitute when you die, and \u2014 unlike all those travel websites we\u2019re accustomed to \u2014 you can\u2019t get a simple price quote online for life insurance without first supplying more personal details than you\u2019d be comfortable telling your best friend.<\/p>\n

And even if you do (grudgingly) supply the information, somehow you never learn the actual cost until some insurance company salesman calls you back.
\nAnd keeps calling you back \u2014 perhaps pitching more insurance than you need.
\nWell, now there\u2019s a new website, www.CoverYoo.com<\/a>, that\u2019s getting rave reviews for being \u2014 to keep the travel analogy going \u2014 \u201cthe Kayak.com of Life Insurance<\/a>,\u201d as one trade journal put it.<\/p>\n

Not only does the site let you anonymously comparison shop for different types of life insurance from among hundreds of companies \u2014 allowing you to almost instantaneously see, for example, that 10-year term insurance will run you anywhere from $111 to $632 annually \u2014 but everything is written in plain English (as opposed to insurance-speak).<\/p>\n

\u201cYou feel like you\u2019ve done your homework when you go to CoverYoo,\u201d says Chief Technology Officer Todd Albert. \u201cAnd once you see the price, it\u2019s totally up to you whether you want to talk to an agent or not.\u201d<\/p>\n

You also feel like you\u2019re getting the straight dope. Case in point: While many in the industry speak in crisis terms about the estimated 39 percent of Americans who lack life insurance, CoverYoo.com says straight out that \u201codds are that you don\u2019t need (it)\u201d if you fall into certain categories (i.e., single and no children).<\/p>\n

For those who do need it, though, the site also does a good job of explaining the four basic life insurance policies out there \u2014 \u201cTerm,\u201d \u201cTerm to Age,\u201d \u201cTerm ROP (Return of Premium),\u201d and \u201cUniversal Life\u201d \u2014 and helps you decide which is right for you. Thus, even before you check the prices, you\u2019ll know, among other things, that:<\/p>\n

* Term insurance is the least expensive, and a simple rule-of-thumb for choosing among five-year, 10-year, 20-year and 30-year durations is to ensure that your youngest child will be covered to age 22.
\n* Declining a medical exam severely limits your options.
\n* To figure how much coverage you really need, total all your debts (including mortgages) and 70 percent of your annual expenses for 20 years.<\/p>\n

Oh, and here\u2019s a fun fact for anyone who doubts the need for CoverYoo: Esurance.com, which some of you may have tried, is actually owned by none other than Allstate.<\/p>\n","protected":false},"excerpt":{"rendered":"

Talk about annoying. Here you are, trying to keep your family from being left destitute when you die, and \u2014 unlike all those travel websites we\u2019re accustomed to \u2014 you can\u2019t get a simple price quote online for life insurance without first supplying more personal details than you\u2019d be comfortable telling your best friend. And<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[92,104,164],"class_list":["post-103","post","type-post","status-publish","format-standard","hentry","category-uncategorized","tag-insurance","tag-lifestyle","tag-shopping"],"yoast_head":"\nShopping for Life Insurance Now as Easy as Booking a Hotel Room - RadarKapuasRaya.com<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.radarkapuasraya.com\/index.php\/shopping-for-life-insurance-now-as-easy-as-booking-a-hotel-room\/\" \/>\n<meta property=\"og:locale\" content=\"id_ID\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Shopping for Life Insurance Now as Easy as Booking a Hotel Room - RadarKapuasRaya.com\" \/>\n<meta property=\"og:description\" content=\"Talk about annoying. 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