What to look for in an instant life insurance quote can be summed up in one word: thoroughness. Most folks search for instant life insurance quotes online (after all, what's faster than the Internet?), Which means you're not likely to talk with a live insurance agent until the quote process is complete. So, you want the most accurate quote possible and an accurate instant life insurance quote is only possible with tons of information from you.
The obvious information you'll be asked for when searching for an instant life insurance quote is personal information such as your age, gender, weight, height, tobacco use, and your state of residence (the database needs to find life insurance policies available to people in your state).
Your instant life insurance quote will also be based on the amount of coverage you want, how long you want the coverage, and how often you intend to pay your life insurance premiums (ie monthly, quarterly, semi-annually, or annually). Too, your quote will be affected by your rating class (ie Standard, Standard Plus, Preferred, or Preferred Plus). Your rating class is determined by your risk factor. Do not worry if you do not know your rating class; the website you're using to look for your instant life insurance quote should provide information or some kind of tool to help you figure it out.
Once you submit your information, you should be provided with a list of life insurance companies, policies, and quotes you're eligible for. Do not jump blindly into any of these components; make sure you're also provided with thorough information about each company (contact information, financial rating, features, additional options, etc.). Check each one out, and contact the company that provides the instant life insurance quote that appeals most to you.
Contacting the insurance company personally to apply is fine; however, the website you're using should also provide you with the option of applying online or via postal mail.