A computer generated quote can be a good starting point to your search for cost effective life insurance. And, if you are totally honest about your physical condition, medical history, and hobbies, you may get a pretty good idea of what your premium will end up being. But, if you choose to use one of the dozens of “free quote” services, plan on getting 5 or more phone calls from insurance agents. These services make their money by selling leads. And, you become a lead by keying in your information. Leads generally cost between $10 and $20, whether or not you buy anything. And, the lead companies often sell your information to 5 or more agents. I've known clients who have asked for quotes from 2 or 3 sites and gotten 15 or more phone calls.
