October 23, 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? 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!


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

How to tell if your agent is trying to upsell you on life insurance

Upselling is a tried-and-true sales tactic, from the carpet cleaner who offers to do your upholstery to the fast-food cashier who asks if you want fries with that. Buying more than you planned isn't a big deal for small stuff. But it gets expensive for ...

Published:  Sat, 22 Oct 2016 09:02:00 GMT

Venture Capital Prowls into the Life-Insurance Business

An early investor in the online-lending boom has turned its sights to life insurance. Ladder Financial Inc., a Silicon Valley startup that offers term-life-insurance policies for California residents, said Wednesday it raised $14 million in a new ...

Published:  Thu, 20 Oct 2016 04:38:00 GMT

Why Life Insurance is an Important Protection Plan for Our Family

In my single years, after I got my first job, I quickly learned that I needed a monthly budget to manage my expenses, otherwise, I wasn't going to make any progress and likely miss a rent payment. In fact, my dad instilled the importance of setting ...

Published:  Fri, 21 Oct 2016 16:03:00 GMT

China Life Insurance Led Investor Group into Starwood Capital Hotel Portfolio

Gradually, more mainland Chinese institutional investors are gazing toward the United States and Europe for large-scale exposure toward hospitality assets. For example, in February 2015, Connecticut-based Starwood Capital Group sold the fancy Baccarat ...

Published:  Sat, 22 Oct 2016 17:45:00 GMT

Life Insurance Review. helping to ensure your life insurance coverage meets today s goals

2 Life. your way Strive to live your dream and plan for the if in life. Discover the flexibility of life insurance protect, accumulate and transfer wealth now and in the future. Be free to live life, your way. 3 ARE YOU ADEQUATELY PROTECTING THE ECONOMIC ...

Published:  Sat, 22 Oct 2016 01:39:00 GMT

65 is the New 45: Haven Life Expands Access to Its Innovative Life Insurance Buying Process

NEW YORK, Oct. 21, 2016 /PRNewswire/ -- We'll keep this brief. Haven Life is pleased to announce that its incredibly easy online purchasing process and high-quality term life insurance policy, Haven Term, is available to customers (a.k.a. family ...

Published:  Fri, 21 Oct 2016 04:07:00 GMT

3 Life Insurance Myths That Could Hurt Young Families

When you're just starting out, it often seems that a dollar never stretches far enough. And with new commitments, such as buying your first home or having children, comes the responsibility to make sure your loved ones will be provided for financially ...

Published:  Fri, 21 Oct 2016 04:05:00 GMT




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