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Granted, life insurance is not one of the most exciting products you can buy. That may be why millions of Americans are uninsured or underinsured, and don't even know it.

Get Your Life Insurance Policy With EFinancial Today! Which is unfortunate, because life insurance premiums have dropped by 50% over the last 10 years. In fact, life insurance is more affordable now than at any other time in history. If you're somewhat healthy, you can buy a lot of life insurance without spending a lot of money. That's partly because people are living longer; those savings are passed back to you in the form of lower life insurance payments.

The most inexpensive form of life insurance, and the kind that generally gives you the most value for your dollar, is term life insurance. With this type of policy, you pay a premium each month for a certain number of years (usually 15, 20, or 30). If you live beyond that term, your coverage is ended (although you may extend under certain circumstances). If you don't live past that term, your beneficiaries receive the face amount of the life insurance policy.

How much life insurance do you need? As a rule of thumb, experts say you should have between 7 to 10 times the amount of your annual salary. And you shouldn't rely on your employer's life insurance benefits only; typically their value is much less than what you need, and is not portable should you change jobs.

There are a variety of factors to consider when looking for a life insurance policy. Some of these include:

  • Cost. Life insurance rates are very competitive. You don't want to overpay for the coverage you need.
  • Insurer. You want to be sure that you're buying life insurance from a quality company that will be around for the next 30 years.
  • Convenience. How complicated is the process to apply for a life insurance policy? Do they offer a variety of payment options? Do they give you multiple ways to contact them? has reviewed and ranked the best Life Insurance programs available today. We hope this information helps you find the right life insurance policy that meets your needs!

Disclosure: We pay our reviewers and we are compensated for our reviews. Click here for details.

Life Insurance Reviews

5 stars
E Financial

E Best-In-Class Blue Ribbon Award

E Financial offers a free, quick and easy way to save up to 75% off traditional life insurance rates by comparing multiple quotes side by side. Simply enter in your personal information, answer three simple medical questions, and E Financial delivers quotes from at least four highly reputable life insurance companies. Read More... Visit

3.5 stars
US Insurance Online


US Insurance Online is not an insurance company but essentially sends your information and basic life insurance details to a list of eight insurance companies. We wanted the process to be more discerning and to have more control over who was going to call, text or email us and when. If you are in the market for the best life insurance available at affordable rates, we recommend you shop a higher ranked company within our reviews. Read More... Visit

3.5 stars
Insure Me


Insure Me is an easy site to navigate and offers the chance to get life insurance quotes from multiple companies. Rather than giving you the chance to review the quote information online, however, you are instead contacted personally by the agents representing these companies. Read More... Visit

3 stars
Insure Lane


Insure Lane is really a "lead" site for insurance agents. While a bit misleading, the site is easy to navigate and delivers on its promise to get you in contact to receive competitive quotes. Read More... Visit

2.5 stars
Net Quote


Net Quote is a quote referral site for insurance agents. The quotes you will receive are free and they are available in all 50 states, however you will not be able to view any quotes online. Net Quote does give you some helpful information in order to be prepared when an agent calls you. Read More... Visit

0.5 stars
Quote Whiz


Quote Whiz advertises their service as an easy way to compare life insurance rates in one convenient location. After entering a host of personal information we felt duped. They didn't provide any insurance quotes but did offer to call us to talk with a pushy salesman. Quote Whiz was a waste of our time. Read More... Visit

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Publication Date: March 30, 2015

Research and Markets: Life Insurance in Uruguay, Key Trends and Opportunities to 2018
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Why plain vanilla life insurance does the job
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How to Mortgage Your Life Insurance Policy?
The primary purpose of purchasing a life insurance cover is to safeguard your family in the event of your untimely demise. However, over the past decade, the meaning of insurance has widened to includ...
Publication Date: Sun, 29 Mar 2015 06:47:06 -0700

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AXA Philippines growing alongside its parent firm
Philippine AXA Life Insurance Corp. is growing side by side with its parent firm, global insurance firm AXA, after posting significant growth in its total premium income amid an increasing market share in the country. A statement showed that in the Philippines, multi-billion firm AXA Group saw P18.35 billion in total premium income. The local entity of AXA, AXA Philippines is a joint venture ...
Publication Date: Sun, 29 Mar 2015 09:36:03 -0700

Stone Creek Builders Uses New Software to Estimate Homes
Stone Creek Builders has been using a new software program to accurately measure the square footage of specific projects by satellite imaging. This new service reduces the time and money it typically would cost to properly measure a client's home for new roofing, siding, painting of interior and exterior.
Publication Date: March 30, 2015

Research and Markets: Non-Life Insurance in Uruguay 2015 - Key Trends and Opportunities to 2018
Research and Markets has announced the addition of the "Non-Life Insurance in Uruguay, Key Trends and Opportunities to 2
Publication Date: Mon, 30 Mar 2015 01:16:00 -0700

When it Comes to Life Insurance, This is the Company Consumers Trust Most
When it Comes to Life Insurance, This is the Company Consumers Trust Most
Publication Date: Sun, 29 Mar 2015 07:57:14 -0700

Life Insurance: Amitabh Chaudhry
My insurance policy lapsed last year due to non-payment of premiums. When I tried to renew, my agent asked me to undergo the medical tests. Is this required?
Publication Date: Sun, 29 Mar 2015 13:20:46 -0700

Research and Markets: Life Insurance in Japan - Key Trends and Opportunities 2015-2018
Research and Markets has announced the addition of the "Life Insurance in Japan, Key Trends and Opportunities
Publication Date: Fri, 27 Mar 2015 04:54:00 -0700

Life insurance sector may end year with new premium growth
Life insurance sector may see the year end on a positive note with the largest player Life Insurance Corporation of India (LIC) being optimistic that they would end the year with positive growth.
Publication Date: Sat, 28 Mar 2015 04:49:25 -0700




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