Any good life insurance policies in the chicago area?

[ticktock]

I am married and 27 years old. I am staying in the chicago area and am on the lookout for a decent life insurance options. Since there are so many i am bamboozled on which one to go for. Would appreciate any suggestions on the same

[salutq]

Hmm that's a pretty subjective question based on a lot of things. I mean from your perspective best shouldn't mean the cheapest one. Also since you've rightly said that there are a lot of choices, if you don't need it you probably shouldn't buy it. But before i say anything more just a breif into into what is life insurance ( acc to http://en.wikipedia.org/wiki/Life_insurance)
Life Insurance is a contract between two parties, life insured (policy owner) and the insurer (the insurance company) for a given time period, wherein the insurer agrees to pay a certain amount of sum (known as Sum Assured) to the beneficiary incase of death of the insured. In return an insured has to pay a designated amount (known as Premium) to the insurer either in lump sum or at regular intervals. Beneficiary for the insurance policy is chosen by the insured, there must be an insurable interest between the beneficiary and the insured. The policy owner can change the beneficiary at any point of time. Various types of insurances can be done depending on individual needs.
Types of insurance
1. Term
2. Whole
3. Universal
4. Variable
Now regarding to which one is the best, there are lot of views on this issue so il just lay out both sides of the coin
The cheapest one is generally the employer's group insurance plan. These policies are valid for as long as u work for the company.
The cost depends on a lot of things like the type of policy chosen, agent commmission etc. The costs are based on actuarial tables which project your life expectancy. People with high risk like obese, smokers, etc pay more.
There are often hidden costs in life insurance policies, such as fees and large commissions, that you may not find out about until after you purchase the policy.
So in short be careful and do lots of research when going for a life insurance policy. There lots of options for life insurance in chicago and have listed some -
1. http://www.moneyinmotioninc.net/section2.cfm
2. http://local.nwitimes.com/chicago+il/li ... ce.zq.html
3. http://www.insuranceusa.com/Chicago-Lif ... nce-IL.php

[FFA]

Yes. All the ones I sell.

[insuranceagency]

Yes, you can adopt any kind of life insurance policy according to your wish every policy has its own feature.

[Rainmaker]

www.quicklifecenter.com

talk to Rob Bryant.

Cheers