August 25, 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

What's an Irrevocable Life Insurance Trust and Why Do I Need One?

Much of estate planning centers on avoiding what can be draconian taxes, and life insurance is a danger area for estate planners. If you own a life insurance policy in your own name, then the proceeds are included in your estate and potentially subject to ...

Published:  Wed, 24 Aug 2016 06:21:00 GMT

Navy sailor accused of offering life insurance money, Adderall pills for wife's murder

A Virginia Navy sailor is accused of trying to pay for his estranged wife's murder with insurance money and Adderall. Chadwick Stanley Ghesquiere, a 38-year-old Petty Officer 2nd Class in Virginia Beach, was going through a divorce and custody battle ...

Published:  Wed, 24 Aug 2016 06:54:00 GMT

Anbang Insurance Plans IPO for Life-Insurance Unit

HONG KONG-Anbang Insurance Group Co. plans an initial public offering of its life-insurance unit, a move that could increase disclosure at the opaque Chinese insurer that made an aborted $14 billion bid for Starwood Hotels & Resorts Worldwide Inc. this year.

Published:  Tue, 23 Aug 2016 21:12:00 GMT

Catastrophe Protection: Disability & Life Insurance

BOSTON (CBS) - Your ability to earn an income is important for you and your dependents. Disability insurance covers the loss of that income when you are out of work. Your employer may offer it as a paid benefit or offer it to you to purchase. Short term ...

Published:  Wed, 24 Aug 2016 08:23:00 GMT

Life Insurance Settlement Association to Host 22nd Annual Fall Life Settlement Conference on October 16th-18th in Scottsdale, Ariz.

ORLANDO, Fla., Aug. 24, 2016 (GLOBE NEWSWIRE) -- The Life Insurance Settlement Association (LISA) today announced the final agenda for its 22 nd Annual Fall Life Settlement & Compliance Conference, to be held on October 16 th-18 th at the scenic Omni ...

Published:  Wed, 24 Aug 2016 06:49:00 GMT

Boca police report IDs former teacher at center of St. Andrew's School inquiry

A former faculty member accused of inappropriate relationships with students at St. Andrew's School in Boca Raton now sells life insurance in Palm Beach Gardens, records show. A Boca Raton police report, obtained by the Sun Sentinel on Tuesday, identifies ...

Published:  Wed, 24 Aug 2016 08:21:00 GMT

Grab Your Piece of the $7.4 Billion Life Insurance Pie

Managing Editor's Note: Last week, Kristin wrote about the importance of mapping out an "asset inventory"Ě and stashing it away in a safe place. It's a critical document that can help your heirs locate and manage the assets you leave behind.

Published:  Mon, 22 Aug 2016 01:00:00 GMT

5 Life Insurance Questions You're Too Embarrassed to Ask

Applying for life insurance means answering some pretty personal questions. For example: How much do you weigh? (We're talking the actual number, not the aspirational estimate on your driver's license.) Do you smoke marijuana? Whom do you want to get ...

Published:  Tue, 23 Aug 2016 08:10:00 GMT




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