Pittsburgh life insurance…this is where you’ll discover the best advice when it comes to your life insurance needs for you and your family.

There’s plenty to think about when buying life insurance and, unfortunately, plenty of varying opinions on which type of insurance is best to purchase.

Additionally, remember that this is the only type of insurance you will ever buy where you won’t directly benefit if there is ever cause for having it kick into place.

You’re buying this because you care about your spouse and/or children and want to ensure that they are taken care of in every sense of the word in the event that you pass away prematurely.

There are a few different types of Pittsburgh life insurance to choose from. Term insurance, whole life, and universal life are three of the most popular you will hear about.

  • Term gives you coverage for a set time, usually somewhere between 10 and 30 years
  • Whole Life keeps you insured for your entire life and places some of your premium payments into an investment account
  • Universal Life also insures you for your entire life but usually has more flexible investment options than Whole Life does

Now, when it comes to your Pittsburgh life insurance needs, be very careful about making a hasty choice. Although your local insurance agent will come across as pleasant and “always here to help you”, understand that each agent has a vested financial interest in you choosing to buy from them: their fat commission check!

Therefore, take your time when finding your life insurance policy. Talk to more than one agent. Play them off one another. Ask them all about the differences between term and variable policies. See which ones really pay attention to your questions and needs and see how they act when you don’t want to buy right away as you go home to “think about it”.

One thing you need to know is that your Pittsburgh life insurance agent will make more money selling you a variable life policy (Whole Life or Universal Life) than they will selling you a term policy. Keep this in mind as they’re explaining which is better for you.

When it comes to choosing your policy, you are in complete control of the process…not the agent. Keep that control as you talk with several agents…take notes…go home and discuss everything over with your spouse.

In addition, it would be prudent to compare the premiums you are quoted by your local Pittsburgh agent with those you can find online. Fill in the form on this page and get a comparison quote if you’d like.

Just be sure that you are comfortable with your decision once you’ve purchased your life insurance policy.

Videos