Hi all, first post so be gentle!
My husband and I went through the MassMutual Life Insurance application process in November via an agent I met at a dental society event. We both got Ultra Preferred ratings (woohoo!) but when I compared the quote we were given to the quotes that are floated around WCI, I thought it would be good to search terms4sale and compare.
Through the search and corresponding with a few other agents, I found another MassMutual term life policy that is direct-to-consumer, meaning I just contact MM and get the plans set up directly. It's only about $60 less per year, and my original agent didn't recommend it, citing the lack of option to convert to whole life and inability to take advantage of a discount I get with MM for having my disability insurance with them as well.
Anyone have experience with direct-to-consumer term policies? It seems like in every other way it's identical to the policy I would buy with the agent.
Thanks in advance!
My husband and I went through the MassMutual Life Insurance application process in November via an agent I met at a dental society event. We both got Ultra Preferred ratings (woohoo!) but when I compared the quote we were given to the quotes that are floated around WCI, I thought it would be good to search terms4sale and compare.
Through the search and corresponding with a few other agents, I found another MassMutual term life policy that is direct-to-consumer, meaning I just contact MM and get the plans set up directly. It's only about $60 less per year, and my original agent didn't recommend it, citing the lack of option to convert to whole life and inability to take advantage of a discount I get with MM for having my disability insurance with them as well.
Anyone have experience with direct-to-consumer term policies? It seems like in every other way it's identical to the policy I would buy with the agent.
Thanks in advance!
Comment