Monday, February 9, 2009

5 Musts When Buying Term Insurance

By Shu Zheng
(Newsday)Here is what you need to know when shopping for term life insurance online:

1. Types of comparison sites. Comparison sites break down into two broad categories: those that will give you an instant quote online and those that take your information and pass it along to brokers who then contact you. Most are lead-generation sites for brokers.

When you begin entering information on a site, however, you often cannot readily tell which type of site it is until you get to the end. That's when you either get a price quote or get a message that a broker will contact you.

Examples of instant quote sites include,,, and "A lot of people are shopping on price nowadays," said Amy Danise, editor of

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