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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 and we are compensated for our reviews. 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 Boost Retirement Savings, Says Life Ant
Life Insurance Provides a Wide Variety of Products and Solutions to Use as a Retirement Savings Vehicle, Especially Because Policy Owners can Make More Money Than They Put into Policies NEW YORK, NY / ...
Publication Date: Wed, 28 Jan 2015 02:00:00 -0800

Fitch Affirms Manulife Financial; Rates Preferred Stock
Fitch Ratings has affirmed Manulife Financial Corporation and its primary insurance related operating subsidiaries' ratings, including The Manufacturers Life Insurance Company and John Hancock Life Insurance Company .
Publication Date: Tue, 27 Jan 2015 14:34:00 -0800

Insurance for all, kind of
More Australians rate having life insurance as essential than take it out.
Publication Date: Tue, 27 Jan 2015 05:34:26 -0800

Ashar Group Announces the First Life Settlement Policy Value App at the Heckerling Institute and AICPA Conferences
Ashar Group announced at the AICPA Conference, a new web app to help determine fair market value of life insurance policies in the Financial Services and Life Settlements Industries -- the first of its ...
Publication Date: Tue, 27 Jan 2015 05:07:00 -0800

Max India to split into three separate listed companies
Success in the life insurance business has led them to demerge the business into three clusters Read more
Publication Date: Tue, 27 Jan 2015 04:44:01 -0800

Medical test for term plan always advisable
In case of life insurance policies, higher the sum assured higher is the premium the policyholder has to pay. But in some cases the premium for higher sum assured can be lower.
Publication Date: Tue, 27 Jan 2015 01:10:50 -0800

The Penn Mutual Life Insurance Company Announces New Board Member
The Penn Mutual Life Insurance Company is pleased to announce the election of James S. Hunt to the companys Board of Trustees, effective January 1, 2015.
Publication Date: Mon, 26 Jan 2015 06:00:00 -0800

The Forgotten New Year's Resolution: Life Insurance
What you don't know about life insurance or procrastinating about buying it might not hurt you, but it could devastate people you love.
Publication Date: Sun, 25 Jan 2015 03:30:26 -0800

Life Insurance Settlement Association Brings Together Institutional Investors to Discuss Opportunities in Life ...
ORLANDO, Fla. -- The Life Insurance Settlement Association's (LISA) Fifth Annual Institutional Investor Life Settlement Conference, scheduled for next month in New York City, is attracting significant ...
Publication Date: Thu, 22 Jan 2015 09:30:47 -0800

Empire Life launches EstateMax(TM), a New Permanent Participating Life Insurance Plan
The Empire Life Insurance Company has introduced EstateMax , a new permanent participating life insurance plan designed to meet a variety of estate planning needs by providing affordable lifetime insurance ...
Publication Date: Thu, 22 Jan 2015 06:30:00 -0800

Top Ten Things to Look for in a Calilbration Provider
J.A. King's tips to help nutraceutical manufacturers ensure their calibration provider is world-class.
Publication Date: January 28, 2015

American Specialty Health Fitness and the Silver&Fit Program Announce Agreement with Senior Fitness, Inc.
American Specialty Health Fitness has established an agreement with Senior Fitness, Inc. to endorse its fall prevention class for the Silver&Fit® exercise and healthy aging program.
Publication Date: January 28, 2015

The IHC Groups Share Your Stories Campaign on Reveals Consumer Voice on Obamacare Landscape
Consumers Show Willingness to Purchase Gap Plans to Help Pay Increased Medical Expenses and Short Term Medical Insurance to Bridge Gap Between Open Enrollments
Publication Date: January 28, 2015

89% of Older Americans Oppose Executive Action on Immigration, Says New Poll from The Senior Citizens League
Eighty-nine percent of people responding to a new poll by The Senior Citizens League (TSCL) are opposed to President Obamas executive action on immigration.
Publication Date: January 28, 2015

Disabled Veterans Insurance Agency Acquires Insurance Book from Policy Pro
Buyer and seller found each other on, the seller was represented by General Insurance Brokerage. Acquisition helps launch an insurance agency to create Insurance Careers for Disabled Veterans.
Publication Date: January 28, 2015




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