Connecticut Life Insurance Plans

Quote Life Insurance

Use an Independent Agency like HIQS Group

​Be aware that many life insurance quoting websites are not all the same. Most are specifically created by agencies that sell insurance online. They are a good resource, but they often only show the companies that they sell. Some of the best life insurance carriers do not offer their products through this type of online agent.

​When you apply online, you are NOT applying directly to insurance companies. An agent will be assigned to you.

With an independent agent, you get to choose who you work with.  As specific rules and regulations differ from state to state, it is best to work with an agent who is familiar with the peculiarities of your home state.

Prices of Life Insurance are submitted to State Departments of Insurance and cannot vary by agent or agency

​The insurance company, even if they sell directly, cannot legally give you a better price. If you find a different price for what appears to be the same product there is some difference in the product itself, perhaps different riders or different conversion options (more about that later). We can help you understand the differences.

Find out how you will be rated

​Your health “rating” can more accurately determine your acceptance and real pricing that the insurance companies will charge you. Life insurance companies offer insurance at different price levels based on a number of health factors, which, when considered together, help them predict how good a risk you are. No matter what rate you are quoted, the insurance company is not bound by it, sometimes they even offer a better rate than quoted.

For some companies, only 2% to 5% of the applicant get that "super-preferred" rate

​They are trying to attract your application with a very attractive price. The next rate category down might be much worse. Many people who apply without the advice of an agent feel like they are the victim of a “bait and switch.”

Price is not the only factor

When you get quotes we do not always recommend the least expensive plan. Health rating categories are different from one company to the next. Note that similar sounding names such as preferred plus, ultra preferred, or preferred non-smoker are grouped together in quoting software but this does NOT mean that they are equivalent.  ​Some companies have tighter standards for factors like height and weight, for instance. So, you may qualify for a certain rating level and get the quoted rate with some companies but not others.

Invest in the Present to Safeguard Your Future

Imagine finding out that you or a loved one has been diagnosed with a rare condition. On top of emotional stress, you get your first bill and realize that your insurance doesn’t cover the special medical attention you’re going to need. Talk about a nightmare. 

​From regular doctors visits to unexpected life events, there are plenty of details we all must deal with on a daily basis. If you’re unprepared and don’t have the right kind of insurance, small challenges can quickly become major crises. That’s why you should partner with an insurance expert to make sure you have access to the right insurance coverage. 

In Bethel, CT, that trusted partner is the HIQS Group. We understand how frustrating it can be when you can’t get the medical care you need, or when an unexpected death puts a financial burden on your family. Count on our knowledgeable insurance experts to equip you with the tools you need to safeguard your future and that of your family or business.

Insurance Packages we offer:

Your partner in protecting your family's future, the HIQS Insurance Group provides many different types of insurance policies to protect you.

• Health Insurance Policies
• Dental Insurance Packages
• Life Insurance Plans
• Disability Insurance Coverage
• Medicare
• Travel/International Insurance
• Accident Insurance
• Short Term Medical

Life happens. Don’t wait until it’s too late – get the right insurance for yourself, your family and your business. Get in touch with the insurance pros at the HIQS Insurance Group in Bethel, Connecticut today for a free consultation.

Life Insurance isn't one of those things that you're thrilled to buy.  My wife has been nagging me for months to get proper life insurance just in case.  Joseph did a great job of finding a plan that was affordable and easy to get started right away.
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-David Angulo, Paradise Lawn and Landscape LLC

Joseph is an extremely hard worker.  He provides affordable life insurance policies for our whole family.
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​-Malu Fitzpatirck, CT SEO Pro

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We work with multiple insurance providers to get you the very best rate and coverage.  Whether you're seeking life insurance, health insurance or are looking for coverage for your teeth, our experts can work with your budget to find you the very best coverage.