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      September 27, 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?

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!

2016

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

Max India gets shareholders' nod for composite merger plan

Max India Ltd today said it has received shareholders' approval for amalgamation of Max Life Insurance Company with Max Financial Services as also the demerger of insurance business for transfer to HDFC Standard Life Insurance Company. The decision ...

Published:  Tue, 27 Sep 2016 04:47:00 GMT



Life insurance: Understanding its importance and the different types

In its purest form, life insurance is one of the best deals for consumers. You pay a company a small amount every year to make sure that your dependents are protected in the event of an untimely death. Unfortunately, not enough Americans are choosing to ...

Published:  Mon, 26 Sep 2016 04:26:00 GMT



Moment Canoe wife Anne Darwin's elaborate life insurance scam unravelled"¶ as journalist calls with picture of the couple living happily in Panama

CANOE conman John Darwin's wife has revealed her horror at discovering the couple's elaborate fraud scam had been found out. Anne Darwin said the "years of lying came tumbling around [their] ears"Ě when an Evening Gazette reporter called her to ...

Published:  Tue, 27 Sep 2016 04:55:00 GMT



A Refund For Unused Life Insurance Is Possible, But It's Not Cheap

With most term life insurance policies, you pay for coverage for a set period. If you don't die within the term of the policy, it ends, there's no payout, and your money is gone. There is an exception, however -- although it's a costly one. Return-of ...

Published:  Mon, 26 Sep 2016 00:29:00 GMT



ICICI Prudential Life Insurance Company to list shares on Sep 29

India's largest private sector life insurer ICICI Prudential Life Insurance Company will list its equity shares on September 29. It has fixed issue price at higher end of price band of Rs 300-334 per share.

Published:  Tue, 27 Sep 2016 03:26:00 GMT



Life Insurance Awareness Month

It's not easy to think about: What would happen if you were to pass away? When it comes to protecting your loved ones with life insurance, it's important to separate fact from fiction. Learn the truth about five life insurance myths - it may change your ...

Published:  Tue, 27 Sep 2016 04:39:00 GMT



Life insurance for vapers?

Do vapers need life insurance? Of course! Like everyone else, vapers want to protect their families in case something terrible and unexpected happens. And it's wise - especially if you have kids, or are leaving a lot of financial liabilities for your ...

Published:  Mon, 26 Sep 2016 11:43:00 GMT



For federal workers, a chance to lock in life insurance

A lot of our financial life is dictated by deadlines. For federal employees, there are a few coming up that shouldn't be ignored. One is a deadline involving long-term-care insurance. But for now, I want to address the open season for life insurance ...

Published:  Tue, 20 Sep 2016 13:55:00 GMT



How Much Life Insurance Do You Really Need?

Kyle Winkfield knows a thing or two about how life insurance has the power to change lives. The managing partner at financial firm O'Dell, Winkfield, Roseman and Shipp in the District of Columbia has seen how life insurance payouts have impacted many of ...

Published:  Fri, 23 Sep 2016 07:41:00 GMT



 

 

 

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