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The Life Insurance Blog

Helping millions of Americans become educated
in making decisions about their life insurance needs


The Top 5 Reasons Why People Delay Buying Life Insurance (and How IntelliQuote Eliminates All of Them)

Nov 7, 2014 4:30:00 PM


“I’ll start researching life insurance--tomorrow.”

How many times have you uttered these words? When you’re pressed for time or just can’t be bothered, it’s really tempting to add this to tomorrow’s to-do list, isn’t it? Well, we have a solution that we think you’ll like.

In today’s blog post, we’ll breakdown why most people put off buying life insurance and why comparison shopping with us can kill your procrastination monster.

Life insurance is something that many people need. We know that you probably don’t consider it to be very exciting. But it may be one of the most critical purchases you’ll ever make, so we’re here to help you to arrive at the best outcome as quickly as possible.

1) Not enough time: Most of us try to cram as much as we can into the tiny amount of time that we’re given. One of the biggest reasons why people neglect purchasing life insurance is because they think the research time will take time away from something more important. At IntelliQuote, our quote engine produces multiple competitive term life insurance quotes in less time than it takes to stand in line for a Starbucks Frappuccino.

2) Do I really need this? “I just had a physical; I’m in great health.” “I’ve never been in an accident. I’m a great driver.” Walking out of your doctor’s office with a clean bill of health is reassuring, isn’t it? Unfortunately, reassurance isn’t a guarantee that you’ll remain healthy and problem-free. Tip-top physical health also doesn’t offer you protection from unforeseen accidents. Remember that life insurance isn’t for you, it’s for your family. What will happen to them if your worst case scenario becomes a reality?

3) It’s too complicated: Many people think life insurance is as complicated. Trust us, it’s not. Some policies are more intricate than others, but the vast majority of people who purchase life insurance buy term life policies that are straightforward and cover common needs like final expenses, mortgage payments, college tuition, etc. We want you always to remember that you never have to go it alone. The knowledgeable and friendly IntelliQuote life insurance advisors you can speak with are there to answer your most pressing questions.

4) I don’t want to think about dying: One day, you’re going to die. Everyone eventually does. It’s not something you want to dwell on, but it is a reality that we must all prepare for and face. So why not commit yourself to spending the least amount of time thinking about it as possible? At IntelliQuote, we can get you a quote in a matter of minutes so you can spend less time pondering the inevitable and get back to living.

5) I have a pre-existing condition: “I already have a medical condition, so I’m not insurable. My insurance will be sky high.” These are common misconceptions that people have, but they’re not always true. Yes, being diagnosed most likely means that your policy will cost more than someone who isn’t. But your price depends on your ability to control your condition. For example, if you have diabetes type II and control your condition through diet, your premiums will be much lower than a diabetic on medication.

At IntelliQuote, we understand that your worries may get in the way of you buying life insurance, but our helpful tools and qualified staff are here to put your worries to rest.

See for yourself just how seamless our process can be for getting a quote that’s right for you. Start your journey for a customized policy here


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