February 6, 2016
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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? 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 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

Life insurance can pay for nursing home, in-home care

If you're healthy, it may be hard to imagine having a chronic illness or disability that requires you to have constant care in your home or a long-term care facility. But if you're diagnosed with Alzheimer's disease, how will you or your family pay ...

Published:  Sat, 06 Feb 2016 08:17:00 GMT

Life insurance for Married Couples

When you're building your life with someone else, the foundation that the two of you are laying may need the protection that life insurance for married couples provides. More than 40% of Americans have no life insurance, according to a 2015 study by ...

Published:  Fri, 05 Feb 2016 12:56:00 GMT

Short Interest in China Life Insurance Company Ltd. (LFC) Rises By 65.3%

China Life Insurance Company Ltd. (NYSE:LFC) saw a significant growth in short interest during the month of January. As of January 15th, there was short interest totalling 1,133,990 shares, a growth of 65.3% from the December 31st total of 686,145 shares ...

Published:  Fri, 05 Feb 2016 23:29:00 GMT

China Life Insurance Company Ltd. (LFC) Sees Strong Trading Volume

Shares of China Life Insurance Company Ltd. (NYSE:LFC) saw an uptick in trading volume on Thursday , Analyst Ratings Net reports. 986,699 shares were traded during trading, a decline of 2% from the previous session's volume of 1,011,376 shares.The stock ...

Published:  Fri, 05 Feb 2016 19:04:00 GMT

Genworth suspends life insurance sales, plans restructuring

Genworth Financial Inc. said Thursday it is suspending sales of some products and planning a restructuring after the company posted a loss for the fourth quarter and full year of 2015. Genworth said it would suspend sales of its traditional life coverage ...

Published:  Thu, 04 Feb 2016 08:30:00 GMT

IDBI Federal Life Insurance announces tie-up with Karnataka State Cricket Association for bowling talent development

IDBI Federal Life Insurance, a private life insurer, today announced its affiliation with the Karnataka State Cricket Association (KSCA) for the launch of a bowling foundation. The entity will be called KSCA - IDBI Federal Life Insurance Bowling Foundation.

Published:  Sat, 06 Feb 2016 06:20:00 GMT

Strategically using life insurance as part of executive compensation plans

Most people consider life insurance as a product that provides protection for surviving family members in the event someone dies. However, some businesses have a unique use for life insurance in the way of executive bonus plans. Most Fortune 500 companies ...

Published:  Thu, 04 Feb 2016 17:54:00 GMT

Think you know life insurance? Think again

(BPT) - When you think about life insurance, do you think flexibility, financial goals and retirement income? If not, you may be like many Americans who believe the only purpose for life insurance is to help pay funeral costs and provide an income for ...

Published:  Fri, 05 Feb 2016 15:13:00 GMT




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