People who have been prescribed expensive brand-name drugs know how much it can hurt their wallet. The good news is that close to 80% of all brand-name medications have a generic counterpart. Oftentimes, generics are perfectly fine; other times a generic isn’t available or is not recommended by your doctor. So, most people accept the higher cost brand-name drugs and figure there’s not much they can do. Well, depending on the situation, there can be some very good ways to lower drug costs.
Generally speaking, people are comfortable shopping online for most items. The Internet is a great tool for gathering information and advice prior to making a purchase — and this especially holds true for life insurance. There are numerous sites online that provide instant quotes and solid, basic information about life insurance. Some sites are more “salesy” than others, but it doesn’t take long to sift out those sites and focus on the ones that are professional and helpful.
The popular mega-sites have call centers that make it very easy to ask questions and apply for coverage.