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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 and we are compensated for our reviews. 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

HNTBs Ananth Prasad Appointed to Board of TRIP
Prasad brings private and public sector expertise to the leadership role for the nonprofit transportation research and advocacy organization.
Publication Date: April 17, 2015

Designers Insurance Agency Continues Charity Program in Virginia To Raise Funds For The Autism Society of Northern Virginia
Designers Insurance Agency is raising awareness about autism and funds for The Autism Society of Northern Virginia to help them improve the lives of everyone affected by autism through information and referral, mini grants to help pay for therapy, family social events, local and state advocacy, education programs for families, etc.
Publication Date: April 17, 2015

Pet Insurance in the US Industry Market Research Report from IBISWorld Has Been Updated
Rising costs of veterinary care and mounting consumer awareness of industry offerings have led to growth in sales of pet insurance. For this reason, industry research firm IBISWorld has updated a report on the Pet Insurance industry in its growing industry report collection.
Publication Date: April 17, 2015

AgCarolina Farm Credit Reports Net Earnings of $31 Million in 2014
$12 Million in Patronage Dividends Returned to Farmers and Rural Residents of Eastern North Carolina Agricultural Cooperative
Publication Date: April 17, 2015

CareMed Urgent & Primary Care Now Offering Comprehensive Allergy Testing
Now that the snow has melted, flower buds are sprouting up and trees are starting to bloom, a company with one of the nations leading medical care teams is now providing allergy testing for anyone who needs or wants to get tested.
Publication Date: April 17, 2015

Life Insurance Quotes for Smokers Available Online
Nomedexamlifeinsurance.com (http://www.nomedexamlifeinsurance.com/ (http://www.nomedexamlifeinsurance.com/)) announces a new blog post, Am I Entitled For Life Insurance If I Smoke Tobacco?
Publication Date: April 17, 2015

Financial Advisor Pat Vitucci To Conduct Financial Event in Burlingame On April 30
Pat Vitucci, a Bay Area Independent Financial Advisor, will be conducting a special financial event in Burlingame on Thursday, April 30 at the Embassy Suites beginning at 6:50pm. Dinner will be served at this invitation only event.
Publication Date: April 17, 2015

The Best Auto Insurance Quotes Are Available Online!
Compare-autoinsurance.org (http://compare-autoinsurance.org/ (http://compare-autoinsurance.org/)) announces a new blog post, "A Short List With Tips For Getting The Best Auto Insurance Quotes Online
Publication Date: April 17, 2015

Compare Auto Insurance Quotes for Cars With A Salvage Title!
Cheapquotesautoinsurance.com (http://cheapquotesautoinsurance.com/ (http://cheapquotesautoinsurance.com/)) announces a new blog post, How To Insure A Car with A Salvage Title
Publication Date: April 17, 2015

Whole Life Insurance Policies At Affordable Prices By Comparing Quotes
Wholelifelifeinsurance.org (http://wholelifelifeinsurance.org/ (http://wholelifelifeinsurance.org/)) announces a new blog post, Find Whole Life Insurance Policies Online Today
Publication Date: April 17, 2015

Safe Drivers Can Get Cheaper Auto Insurance Quotes!
Bestauto-insurance.us (http://bestauto-insurance.us/ (http://bestauto-insurance.us/)) announces a new blog post, Top 5 Rules for a Safe Drive
Publication Date: April 17, 2015

Accidents Caused By Sleeping at The Wheel Can Increase Auto Insurance Costs
Lowcostcarinsuranceprice.com (http://lowcostcarinsuranceprice.com/ (http://lowcostcarinsuranceprice.com/)) announces a new blog post, What Are the Dangers of Drowsy Driving?
Publication Date: April 17, 2015

General Life Insurance Policy Rates Added to Quotation System at Insurance Website Online
General life insurance policy rates are now included in the system for quotations at the Insurance Pros company website at http://insuranceprosusa.com/life-insurance.html (http://insuranceprosusa.com/life-insurance.html).
Publication Date: April 17, 2015

Phil Virgils First Book 'Wild Pocket' Is a Vivid and Heartwarming Story about Personal Success by Overcoming Weakness and Fear
New book Wild Pocket from Page Publishing author Phil Virgil is a prolific work of fiction that explores the ideas of personal identity and finding oneself.
Publication Date: April 18, 2015

Duterte Insurance Group Continues Its Community Program in Texas, This Time Introducing a Charity Campaign To Support Bethany House
With a mission to change the communities in which it is inserted, Duterte Insurance Group begins a new charity campaign in Texas. The new highlighted community cause is raising awareness for Bethany House, an organization that serves more than 30,000 meals each month and offer temporary shelter to homeless people in Laredo.
Publication Date: April 17, 2015

 

 

 

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