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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!

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 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

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U.S. News & World Report and Best Lawyers, for the fifth consecutive year, announce the 2015 Best Law Firms rankings, which recognize McCathern, PLLC for the commercial litigation legal practice area.
Publication Date: July 06, 2015

Safe Money Resource Co-Founder Educates Investors on Retirement Planning Pitfalls
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Publication Date: July 06, 2015

Fit4D and Healthfirst Expand Collaboration
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Publication Date: July 06, 2015

Amica Insurance Has 7 Summer Safety Tips
Summer is a great time to get outside and be active. Its important to take the proper precautions, however, so Amica Insurance is sharing some safety tips.
Publication Date: July 07, 2015

Permanent Life Insurance Policy Quotes Added to Provider Database at Insurance Website
Permanent life insurance policy quotes are now part of the web database of insurers that can be accessed at the Insurance Pros website at http://insuranceprosusa.com/life-insurance.html (http://insuranceprosusa.com/life-insurance.html).
Publication Date: July 07, 2015

Helena K. Workmans New Book 'The First Born' Is A Creatively Crafted And Vividly Illustrated Work That Takes The Reader On A Journey Into A World Of Fantasy
Recent release The First Born from Page Publishing author Helena K. Workman is both suspenseful and entertaining; a work of fantasy, love, life and consequence.
Publication Date: July 06, 2015

Verde Pointe Office Park Donates to Dog Rescue Mutt Madd-ness after Well-Received Benefit
Verde Pointe Dental Associates and Marietta Vet Clinic hosted a hugely successful "Rescue Animal Cookout" on June 25, 2015, donating 100% of proceeds to Mutt Madd-ness.
Publication Date: July 07, 2015

Young Montana Man with Stage 4 Colon Cancer Shares Story of Pursuit for Personalized Cancer Treatment; Andrew Matney Travels Country with Hope of Saving Lives
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Publication Date: July 07, 2015

EB5 United Selects NES Financial to Provide Intelligent EB-5 Administration Solutions on Luxury Resort Project
Leading EB-5 solutions reassure investors of commitment to security, transparency, and compliance
Publication Date: July 07, 2015

FirstClose Announces Ability for Lenders to Take Loan Apps and Deliver Instant Underwriting Results to Borrowers and Loan Officers in Tandem
First Lenders Data, Inc. (FirstClose) has announced that it is now offering lenders that ability to co-brand consumer facing websites that enable lenders to take loan applications and deliver instant underwriting results to their customers and loan officers at the same time.
Publication Date: July 07, 2015

Mary Ann Latorres New Book Gus and the Goat Is A Creatively Crafted And Vividly Illustrated Journey Into The Imagination
Recent release Gus and the Goat from Page Publishing author Mary Ann Latorre is a creative childrens book that is full of animal characters and life lessons.
Publication Date: July 06, 2015

Access Capital Group Debuts New Website and Capital Resources for Insurance Agents
Independent life & health agents can now visit Access Capital Groups new website to learn about its unique capital resource offerings.
Publication Date: July 06, 2015

Northeast Nebraska Imaging Launches New Patient Friendly Website
Norfolk's leading medical imaging center for MRI services launches a new website geared towards enhancing patient experience.
Publication Date: July 07, 2015

North Shore-LIJ Selects J. Walter Thompson As Lead Creative Agency
New Yorks largest healthcare system, North Shore-LIJ, has selected J. Walter Thompson New York as its lead creative agency.
Publication Date: July 06, 2015

 

 

 

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