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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
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

Liza Horvath, Senior Advocate: Life insurance: Love it or hate it
Life insurance and annuities enjoy a love/hate relationship within the legal and financial communities.
Publication Date: Fri, 18 Apr 2014 15:34:53 -0700

Insurance: New premiums not to be impacted by Jan diktat
Life insurance companies new business premiums for April 1, 2013, to March 31, 2014, would not be impacted by the new product guidelines implemented from January 1, 2014, onwards, say those in the sector.
Publication Date: Fri, 18 Apr 2014 12:21:48 -0700

Three companies in final lap to buy Aviva stake in joint venture
Aviva Plc has shortlisted Birla Sun Life Insurance, HDFC Life Insurance and Max Life Insurance to sell the British groups 26% stake in its Indian insurance joint venture that has made little headway since starting operations a decade ago, a person with knowledge of the matter said.
Publication Date: Fri, 18 Apr 2014 00:09:41 -0700

Insurance premium subsidy boosted superintendent's pay to $772,457
Centinela Valley Union district paid $98,000 for Supt. Jose Fernandez's life insurance, making his compensation $772,457, not $674,559 as previously stated. An embattled South Bay school district leader, under investigation for his high compensation, now has a new issue to deal with: insurance premiums that should have been counted as taxable income, but were not.
Publication Date: Thu, 17 Apr 2014 22:07:06 -0700

Allianz Life Provides More Than 13,000 Volunteer Hours and $1.9 Million to the Community
Allianz Life Insurance Company of North America announced in its 2013 Report to the Community that it gave more than $1.9 million to the community through volunteerism, corporate grants and charitable donations.
Publication Date: Thu, 17 Apr 2014 09:29:00 -0700

Life Insurance in the the US, Key Trends and Opportunities to 2017
LONDON, April 17, 2014 /PRNewswire/ -- has added a new market research report: Life Insurance in the the US, Key Trends and Opportunities to 2017 ...
Publication Date: Thu, 17 Apr 2014 09:00:00 -0700

A.M. Best Affirms Ratings of The Northwestern Mutual Life Insurance Company and Its Subsidiary
A.M. Best has affirmed the financial strength rating of A++ and the issuer credit ratings of aaa of The Northwestern Mutual Life Insurance Company and its subsidiary, Northwestern Long Term Care Insurance Company .
Publication Date: Thu, 17 Apr 2014 09:00:00 -0700

Non-Life Insurance in the the US, Key Trends and Opportunities to 2017
LONDON, April 17, 2014 /PRNewswire/ -- has added a new market research report: Non-Life Insurance in the the US, Key Trends and Opportunities to 2017 ...
Publication Date: Thu, 17 Apr 2014 08:51:00 -0700

Life Insurance for Seniors - The Importance of Life Insurance in Retirement Planning! ( ) announces a new blog post, Life Insurance Over 50 And The Importance Of Retirement Planning
Publication Date: Thu, 17 Apr 2014 05:30:11 -0700

What You Should Know Before Taking A Loan From Your Life Insurance
Aside from the death benefit, one of the great things about permanent life insurance is that it builds cash value. Your policy becomes an asset you own.
Publication Date: Wed, 16 Apr 2014 06:18:44 -0700

Young Entrepreneur from South Africa Aims to Launch First Online Personal Development Platform
JC De Jongh from South Africa aims to create an online personal development platform that will assist youth in escaping the 9-5 rat race from early on and sky-rocket them to success.
Publication Date: April 19, 2014

New Independent Wealth Management Firm Opens Doors in York
Timothy H. Sutherland CFP®, CPA has established a new wealth management firm based in downtown York Harvest Rock Advisors, LLC.
Publication Date: April 19, 2014

American National to Increase Sales Management Force
American National is seeking field leadership candidates to recruit and train insurance agents.
Publication Date: April 19, 2014

High Risk Auto Insurance Comparison Tool Added to Automotive Website
High risk auto insurance comparison options are now included inside the tool at the Quotes Pros website. SR22 and other plans that drivers can quote are now featured at (
Publication Date: April 18, 2014




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