Are you an organized person who can keep track of your own paperwork and dates? Do you like to save the most money possible? If you can answer yes to those questions, you may consider a no load term life insurance policy. A load, in financial terms, is the amount charged for the agent’s commission. This is how they are paid. Now, there is no doubt that a good insurance agent can save people a lot of grief, and they certainly deserve to be paid for their work.
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However, if you would like the lowest life insurance rates, you may consider finding an insurance company or financial professional that can write a no load policy. Now not all direct policies are no-load, because life insurance companies spend money on tv ads, mailers, and direct response marketing too! But a financial advisor, who charges a fee for services (rather then commissions) or a salaried employee of a financial institution or insurance company may be able to write a no load policy for you!
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