July 24, 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

9 tips: Using life insurance to protect affluent client assets

Your clients - especially those with high incomes - have the need for death benefit protection as well as a seemingly unlimited number of retirement investment options. As a financial advisor, you have an opportunity to meet the needs of your high ...

Published:  Fri, 22 Jul 2016 21:51:00 GMT

First quarter of 2016: Prof its of life insurance companies rise 28.5%

KARACHI: Life insurance companies operating in the private sector earned a net profit of Rs798.6 million in the first quarter of 2016, which is up 28.5% from the comparable period of 2015. Latest statistics released by the Insurance Association of Pakistan ...

Published:  Sat, 23 Jul 2016 12:58:00 GMT

Life insurance sector has growth potential, says MII

KUALA LUMPUR: Malaysia's dynamic life insurance sector has the potential to grow with the still large insurance protection gap, says the Malaysian Insurance Institute (MII). Chairman Hashim Harun said only 56 per cent of Malaysians are reportedly insured ...

Published:  Sat, 23 Jul 2016 03:51:00 GMT

Here Comes the Sun: When Retained Benefit Settlements Save the Day

There is another split that delivers on that promise-and without the nastiness of breaking up your band. For seniors who own life insurance they are likely to terminate, a Retained Benefit Settlement does the one thing the Beatles could never do ...

Published:  Sat, 23 Jul 2016 08:50:00 GMT

Life insurance industry 2016: global demand, development, trends and 2021 future outlook analysis detailed in new research report

Development policies and plans are discussed as well as manufacturing processes and cost structures. This report also states import/export, supply and consumption figures as well as cost, price, revenue and gross margin by regions (US , EU, China and Japan ...

Published:  Fri, 22 Jul 2016 04:14:00 GMT

How to find out the true investment returns on any life insurance policy

The Consumer Federation of America rides to the rescue... For $100, there's a man named Jim Hunt at the Consumer Federation of America (CFA) who will run an analysis to determine the true investment returns on any cash value life insurance policy - be it ...

Published:  Fri, 22 Jul 2016 13:22:00 GMT




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