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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?

TopConsumerReviews.com 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 for their reviews. We are not compensated by companies for their reviews, but we are compensated for links and advertisements on our website. Click here for details.

Life Insurance Reviews

5 stars
E Financial

E FINANCIALTopConsumerReviews.com 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
Site

3.5 stars
US Insurance Online

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
Site

3.5 stars
Insure Me

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
Site

3 stars
Insure Lane

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
Site

2.5 stars
Net Quote

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
Site

0.5 stars
Quote Whiz

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
Site

Clal Insurance Group Deploys AU10TIX FDI ID Authentication and Record Generation Stations
Clal Insurance Groups risk and security department deploys AU10TIX FDI stations for authenticating ID documents and their conversion to workable digital records. FDI 3-illumination scanners and software enable seconds-fast ID forensics at border control and airport security standard for employee, supplier and customer screening and onboarding.
Publication Date: May 25, 2015

LL Corpus Cogere, Inc. Announces Testing and Research of Intelligent Home GAIT Frame Equipment
LL Corpus Cogere, Inc. commences beta testing and research of the Intelligent GAIT Equipment at the prestigious JSS Hospital (JSS) in Mysore, India. This equipment is the companys flagship product intended to bring innovative, evidence-based, and cost-effective gait rehabilitation to home settings.
Publication Date: May 26, 2015

James L. Marks new book From the Pulpit to the Pew is a telling and religious personal testimony of the unparalleled goodness and faithfulness of the Lord
Recent release From the Pulpit to the Pew from Page Publishing author James L. Marks Is a prolific work that confesses the authors faith and loyalty to God.
Publication Date: May 22, 2015

Scholarships Available for Agricultural Leadership Conference
The Florida Farm Bureau Federation is providing $4,000 in scholarships for young agriculturists to attend the Young Farmers and Ranchers Leadership Conference July 17-19 in Naples.
Publication Date: May 23, 2015

Las Vegas Homes By Leslie Reports Three Nevada Cities Named Best Places To Live For Non-College Graduates
Top Las Vegas Realtor Leslie Hoke Reports Three Southern Nevada Cities Named Best Places to Live Without a College Degree
Publication Date: May 22, 2015

Dixon Insurance Agency Supports Local Girl in Her Ongoing Fight Against a Deadly Disease
Dixon Insurance Agency of Haslet, Texas is building an alliance with the Endless Discoveries Child Development Center to assist a local child battling a life-threatening disorder. In an effort to raise both awareness and donations, Dixon Insurance is committed to organizing the local community and plans to continue assisting more children in need over the coming months.
Publication Date: May 22, 2015

Charmette Jones New Book My Heart and the Holy Spirit Surrounded by Hell Is A Religious Work Of Faith, God, Life And Death
Recent release My Heart and the Holy Spirit Surrounded by Hell from Page Publishing author Charmette Jones is both enlightening and heartfelt; this work is a journey into the characters acceptance of death and how religion is a guide.
Publication Date: May 22, 2015

Prominent Mexican Law School, ICC Mexico Invite Ricardo Cata to Speak on U.S. and International Mediation Practices
Mexico City's Escuela Libre de Derecho will host Mr. Cata, a Miami-based mediator with Upchurch Watson White & Max, as he speaks on the growth of international commercial mediation in relation to international arbitration at a three-day conference presented by the International Chamber of Commerce (ICC) Mexico. He will follow up by addressing a graduate program about U.S. and international mediation and mediation of insurance-related cases.
Publication Date: May 22, 2015

Home Maintenance Causes House Fires? World Patent Marketing Introduces the Best Home Patent to Prevent Fire Accidents
The New York Inventor Exchange approves The Preventer for licensing and trading intellectual property rights.
Publication Date: May 25, 2015

Votes needed for (FMIA) Frank Medina Insurance Agency so this small business can qualify for Mission Main Street Grants by Chase
Help vote for FMIA so they can qualify for a business grant from Mission Main Street Grants by Chase. Frank need's at least 250 more votes by June 18, 2015 to be considered.
Publication Date: May 26, 2015

Buttonwood Financial Group Hires Chris Henry and Jeff Rice
Portfolio Technical Specialist, Client Services Specialist to maintain firm's commitment to serve as Family CFO.
Publication Date: May 22, 2015

Nativeflow Named a 2015 Cool Vendor in Mobile Security and IoT Security by Gartner
Nativeflow, the market leader in dynamic mobile application protection and secure enterprise mobility recognized for its innovative dynamic wrapping technology as a 2015 Cool Vendor in Gartners Cool Vendors in Mobile Security and IoT Security.
Publication Date: May 22, 2015

Premier Pain Consultants Now Offering Same Day Appointments for Auto Accident Victims
Premier Pain Consultants in San Antonio is now offering same day appointments for auto accident victims. The treatment options include chiropractic, physical therapy, pain management - both medications and interventional procedures.
Publication Date: May 26, 2015

Amica Has 4 Road Safety Tips for Memorial Day Weekend
Memorial Day weekend is typically considered the beginning of vacation season, so Amica Insurance is offering some tips to help promote safe travel.
Publication Date: May 22, 2015

 

 

 

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