全國有人壽保險嗎？
全國有人壽保險嗎？
 Nationwide does offer life insurance, however, they're known primarily for their property and casualty insurance. A common question we see from persons with their auto insurance, home insurance, etc. from a propertly and casualty insurance company who are looking for life insurance is "do I get any discounts for having my life insurance through them as well?" - the answer is NO. Carriers cannot discount their life insurance rates under the guise of a multi-policy discount like they may with auto insurance and home insurance. Life insurance is a different marketplace from property and casualty insurance. If you're looking for life insurance coverage, you should consult with an experienced independent life insurance broker who can shop the case for you among a large number of places to determine which carrier will be able to offer you the lowest rates for the desired coverage. Please note, the most important factor when looking for life insurance is the RISK CLASSIFICATION that you qualify for - the risk classification determines the premiums for the program. Without knowing the details of your medical history, any quotes any agent provides are pretty much just guestimates and are for the most part, meaningless. Each carrier has different underwriting so you may be looking at preferred with one carrier, and standard with another - the result being one carrier offering the coverage at a lower price than others. At the same time, you don't want to apply to multiple companies at the same time as this works against you - it's basically a sort of red flag to insurance companies. You want to try to get it right the first time which is where a broker comes in handy because they can shop it for you with the medical history and get you in the right direction - brokers also don't charge fees for their services so it can only help you. I hope the information is helpful - please feel free to contact me for help with your coverage and if you have any other questions. Thanks very much.
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