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      May 6, 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!

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.

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

Should you buy term life insurance or whole life insurance?

Should you buy term life insurance or whole life insurance? While term life insurance offers a cheaper means of securing life cover, whole life insurance allows the buyer to save money in addition to enjoy life cover.

Published:  Thu, 05 May 2016 08:55:00 GMT



Trading in interest rate swap market set to rise on RBI push to bring in more participants

"With the latest permit, more institutional investors will participate in IRS" said Badrish Kulhalli, a fixed-income fund manager at HDFC Standard Life Insurance Company. "The move will make IRS market more liquid, transparent and robust. Unlike in OTC ...

Published:  Thu, 05 May 2016 11:03:00 GMT



Life insurance for children not a good expenditure

The other day at the end of one of my library talks, I was approached by a young couple who told me they just had their first child. They wanted to know some of the things they should do being as new parents. They had questions about life insurance and, in ...

Published:  Wed, 04 May 2016 21:07:00 GMT



SBI Life Insurance IPO only after 2016-17

The initial public offering (IPO) of SBI Life Insurance, a joint venture between State Bank of India and BNP Paribas Cardiff, will happen only after the current financial year, sources said. BNP Paribas Cardiff is expected to raise its stake in the company ...

Published:  Thu, 05 May 2016 09:05:00 GMT



The Manufacturers Life Insurance Company Has $15,509,000 Stake in Digital Realty Trust, Inc. (DLR)

The Manufacturers Life Insurance Company decreased its position in Digital Realty Trust, Inc. (NYSE:DLR) by 5.8% during the fourth quarter, according to its most recent disclosure with the Securities and Exchange Commission (SEC). The fund owned 205,080 ...

Published:  Thu, 05 May 2016 01:27:00 GMT



 

 

 

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