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      May 26, 2017

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Life Insurance

  1. US Insurance Online
  2. Insure Me
  3. Insure Lane
  4. Net Quote
  5. Quote Whiz

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Life Insurance Better Business Bureau Reliability Seal

Get Your Life Insurance Policy With EFinancial Today! 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.

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.

Continue reading below reviews

2017

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.
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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.
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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.
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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.
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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.
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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

Continued from above

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!

Insurance startup Quilt adds life insurance to its portfolio of products

The startup insurance application processor Quilt has added a life insurance product to its portfolio and has begun pitching its digital enrollment in 37 states across the country. In partnership with Generation Life (a 50-year-old insurance company that ...

Published:  Fri, 26 May 2017 09:08:00 GMT



World Travel May Get You Declined for Life Insurance (Unless You Do This)

This page may contain affiliates links from our advertising partners. We appreciate it when you support BaldThoughts by using our links when visiting our partners. Today, we bring you a guest post from a good friend, Chris, who lives in San Diego.

Published:  Fri, 26 May 2017 08:00:00 GMT



10-word answers (or less) to your life insurance questions

If you're thinking about buying life insurance, it helps to know some basics. Here are fast answers to common life insurance questions. Q: What is life insurance? A: It's insurance that pays someone after you die. Q: Who gets the payout? A: The person(s ...

Published:  Thu, 25 May 2017 09:27:00 GMT



My ex-husband asked our sons to pay off his life insurance policy - contrary to our divorce decree

My ex-husband had two life insurance policies that named me as the beneficiary when we divorced. I asked that this be retained during his lifetime and the beneficiaries would be our son and daughter. This also was written up in our divorce papers.

Published:  Thu, 25 May 2017 06:54:00 GMT



25 factors that impact Life Insurance premiums

Life insurance protects your family financially, but it can also be huge strain on your budget. Over the years, even a small savings in your premium can really add up. The following factors are used to determine the rate you will pay. Not all of these ...

Published:  Fri, 26 May 2017 08:11:00 GMT



Giving ancestry website your DNA could cost you life insurance

Sending a swab of saliva in the post to discover your genetic background sounds simple, but Ancestry.com has come under fire for its terms and conditions, which grants the company "perpetual"Ě license to keep and use your DNA - however way it likes.

Published:  Fri, 26 May 2017 06:45:00 GMT



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