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      August 1, 2015
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Life Insurance
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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.

2015

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

John F. Murray, MDs New Book, 'How Aging Works: What Science Can Do about It,' Is a Brilliant Elucidation of the Aging Process and the Ways It Can Be Minimized
Recent release How Aging Works: What Science Can Do About It from Page Publishing author John F. Murray, MD, provides in depth scientific explanations of what actually happens as adults grow old.
Publication Date: July 31, 2015

Barbara W. Clarks new book The Enemy From Within is the authors viewpoint on the fading away of Americas moral background.
Recent release The Enemy From Within from Page Publishing author Barbara W. Clark is both entertaining and informative; this work delves into the ideas of minorities and equality in America.
Publication Date: July 31, 2015

J.P. Bowens New Book Psalms of Poetry Is An Inspiring and Emotional Compilation of Poetry
Recent release Psalms of Poetry from Page Publishing author J.P. Bowen is both religious and philosophical; this work of poetry offers the reader peace, quiet, solace and freedom of the mind.
Publication Date: July 31, 2015

Bernadine Sandy Jarmons New Book A Bitter Taste is an Emotional, Raw Autobiography About the Authors Addictions and Life Secrets
Recent release A Bitter Taste from Page Publishing author Bernadine Sandy Jarmon is both heart-wrenching and inspiring; this work delves into the author conquering her fear, drug addiction and shame.
Publication Date: July 31, 2015

Secura Consultants Gives Advisers Competitive New Edge with Multi-Life Discount Program
Secura Consultants now offers the Preferred Producer Multi-Life Discount program, rewarding advisers with savings they can pass along to their clients.
Publication Date: July 31, 2015

Gay or Not? Xulon Book Follows One Mans Journey to Freedom
Heacock presents a testimony of victory with a pertinent topic in todays news.
Publication Date: July 31, 2015

Insurance Industry Adds 8,700 Jobs in June
Leading Insurance Career Site, InsuranceJobs.com Share Employment Trends from the Insurance Industry.
Publication Date: July 31, 2015

T.L. Wegienkas New Book Major Problems Is A Creatively Crafted And Vivid Work Of Fantasy And Suspense
Recent release Major Problems from Page Publishing author T.L. Wegienka is both entertaining and thrilling; this work delves into the world of the living dead and how to survive such turmoil.
Publication Date: July 31, 2015

Rally Insurance Group, Inc. Connects to Customers Through Re-branded Social Media Profiles
Facebook, Twitter, Linkedin and blogs are all great ways to communicate. Rally Insurance Group, Inc. has re-branded their social media profiles to better connect with the public.
Publication Date: July 31, 2015

Dallas-based Park Cities Pet Sitter Selects Non-Profit Animal Welfare Organization Angies Friends as this Years Recipient of their Presents 4 Pets Supply Drive.
Park Cities Pet Sitter Participates in the NAPPS Presents 4 Pets Supply Drive for the Third Year in a Row as Part of Their Ongoing Efforts to Bring Attention to the Areas Best Pet-Related Charities.
Publication Date: July 31, 2015

Today Women Face Different Retirement Planning Challenges, Says Safe Money Resource Executive
Retirement planning is an important step for everyone. However, it can differ for men and women, especially in today's economy, according to Brent Meyer of Safe Money Resource, a national network of independent financial advisors.
Publication Date: July 31, 2015

McKenna D. Keetchs New Book Whispers in the Dark is a Creatively Crafted and Vividly Illustrated Journey Into a Dynamic, Mysterious, Suspenseful Plot
Recent release Whispers in the Dark from Page Publishing author McKenna D. Keetch is both entertaining and thrilling; this work keeps the reader on the edge of their seat.
Publication Date: July 31, 2015

Sarasota Sufferers Increased Heroin Overdoses and Deaths
Harbor Village comments on WFLAs recent article.
Publication Date: July 31, 2015

 

 

 

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