Advantages Of Taking A Life Insurance Needs Assessment Online

life insurance needs assessment

Key Takeaways:

  • Taking a life insurance needs assessment online is simply faster, more convenient, and likely to be more accurate than calling to speak with an agent. 
  • Understanding how much life insurance you really need is an important step to take before you purchase a plan; otherwise, you could end up overpaying.
  • You can use Everyday Life Insurance’s online Needs Assessment Tool without having to provide any contact information! 

Take our life insurance needs assessment 100% online here!

Most people who are shopping for life insurance don’t really understand what they want yet. They know that they need life insurance, because they have people who depend on them and being insured is the responsible thing to do, but the world of life insurance is confusing, especially for individuals who have never purchased a plan before. They may not know what type of plan they want, or how much coverage they’ll need, or how much they want to pay monthly for it. The one thing that everybody searching for life insurance does know – maybe the only thing they know when they start their search – is that they want it to be super affordable. 

Nobody wants to add an expense to their already long list of expenses they have to pay every month! Insurance is a necessity, not a want; it’s designed to protect your family in case something happens to you. It’s not as exciting as a new car or Disney passes or the latest iphone (all things you’d probably rather be spending your money on). But you have to have it, so, when comparing plans, you want to find one that’s going to give you the best deal. 

In order to do that, you have to learn how much coverage you actually need before purchasing a plan so you don’t end up paying more for too much coverage. 

Taking a life insurance needs assessment online is the fastest, most convenient way to discover what your unique needs are; from there, you can compare plans and choose the one that’s right for your budget. 

What is a life insurance needs assessment, and how does it work?

A life insurance needs assessment online is pretty self-explanatory – it will ask for information about you and your life in order to calculate how much life insurance you need. Depending on which assessment you take (there are a variety of online choices), you may be asked to answer questions about your age, your gender, your career, your income, your hobbies and/or lifestyle, your health, your dependents, and more. These are all factors that determine how much coverage you might need. From there, you may get an estimate of how much coverage you need and a quote, or you may be asked to contact an agent or provide contact details so an agent can contact you and give you a complete, “more accurate” assessment (although Everyday Life’s process doesn’t require contact details). Once you understand generally how much you need and why, you can begin to compare plans that give you that amount of coverage and find the one with the best price. 

Taking it 100% online is easier

Most needs assessments start online, but don’t end there. You have to call an agent or email with one to figure out what your results are and get a quote. This is highly inconvenient for most normal people with young kids, busy lives, and better things to do than to wait on hold to speak to a biased agent. When you take a life insurance needs assessment online with Everyday Life Insurance, everything from start to finish can be done 100% online to make it easier on you and your schedule! You don’t have to provide any contact information and then worry about agents calling you or bothering you if you’re not interested in our quote. You can take the needs assessment from your smartphone at whatever time of day or night you want. 

Taking it 100% online is faster

Everyday Life’s life insurance Needs Assessment Tool takes less than 2 minutes to complete online. It really is that quick to fill out! You don’t have to wait hours or days to be contacted by an agent. You just have to answer a few questions in order for us to determine how much life insurance we think you need. And we’re always honest with you – if we don’t think you need life insurance, or don’t think you need that much, we’ll tell you so. Our needs assessment results in a personalized recommendation for how much coverage you need and a quote for one of our plans; if you want to purchase through us, you can apply in under 10 minutes and in some cases, get approved instantly!

Taking it 100% online with Everyday Life stops you from overpaying

Our Needs Assessment Tool is unique because we only recommend the coverage that you need, when you need it. 

Other companies will recommend one amount of coverage that remains the same for the life of the policy. You’ll pay the same premium for the same coverage for 10 – 30 years. However, you won’t need that much coverage as the years go on. A young family who just bought a house and has young kids will need a lot of coverage, but when the kids move out and the mortgage is almost paid off, they won’t need as much. If they’re paying for the same amount of coverage they had at the beginning, they’re overpaying. 

Everyday Life realizes that that system doesn’t make sense, so our plans automatically adjust our customer’s coverage over time to keep up with big life events. This means that over the life of your plan, your coverage will automatically decrease to reflect life’s changes. You will only be paying for the amount you truly need, so your premiums will automatically decrease as well! When you take our life insurance needs assessment online, you get a personalized recommendation (a quote) for a peak amount of coverage that will phase down over time. You can view how much you’ll save this way compared to what you’d pay for other plans, which is potentially thousands of dollars!

It’s easy, it’s fast, and it keeps you from paying for more than you need. What are you waiting for? Take our Needs Assessment Tool today and find the life insurance plan that’s right for you!

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