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      February 24, 2017
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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!

2017

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

Premium Financing for Life Insurance: The Basics

Premium financing is basically just borrowing money to pay life insurance premiums. High-net-worth individuals and companies use this strategy to obtain large amounts of life insurance with a minimal upfront expense. It is a means to retain capital by only ...

Published:  Thu, 23 Feb 2017 03:34:00 GMT



When Is it OK to Draw Cash From a Life Insurance Policy?

Anyone with dependents is wise to get life insurance, and millions of people do - everything from plain vanilla term policies that simply pay a death benefit, to fancier products such as whole life or universal life policies that build up a "cash value ...

Published:  Wed, 22 Feb 2017 08:51:00 GMT



AIA, Manulife Said to Bid for SCB's Thai Life Insurance Unit

AIA Group Ltd. and Manulife Financial Corp. are among bidders for Siam Commercial Bank Pcl's life insurance operations in what could be the biggest-ever acquisition of a Southeast Asian insurer, people with knowledge of the matter said. Thai billionaire ...

Published:  Thu, 23 Feb 2017 00:06:00 GMT



How Two Stanford Grads Brought Transparency to Life Insurance Settlements

You wouldn't think two millennials would disrupt a market that doesn't technically apply to them, but you'd be wrong. That's exactly what recent Stanford grads Peter Colis and Lingke Wang are doing. I decided to reach out to them after reading a ...

Published:  Thu, 23 Feb 2017 04:04:00 GMT



Allianz PNB Life: Filipino families need to close P1.17-million "˜protection gap'

With the administration set to present its socioeconomic blueprint, Allianz PNB Life Insurance Inc. CEO Olaf Kliesow said the country's growth momentum should be supported by investments in adequate financial protection. "With the Philippines expected ...

Published:  Thu, 23 Feb 2017 04:33:00 GMT



Life Insurance in Retirement: Who Needs It?

The KISS principle--invented by the U.S. Navy in the 1960s--holds that most systems work best when they are kept simple. Keeping things simple, here's the answer: In most cases, never. The basic purpose of life insurance is to protect dependents against ...

Published:  Thu, 23 Feb 2017 03:40:00 GMT



Life Insurance in Hungary, Key Trends and Opportunities to 2020

LONDON, Feb. 21, 2017 /PRNewswire/ -- Timetric's 'Life Insurance in Hungary Key, Trends and Opportunities to 2020' report provides a detailed outlook by product category for the Hungarian life insurance segment, and a comparison of the Hungarian insurance ...

Published:  Tue, 21 Feb 2017 15:40:00 GMT



The type of person most likely to buy life insurance is also the type who least wants to know the future

How you feel about the future has a lot to do with how you feel about regret. People prone to rue paths not taken approach the unknown more cautiously than others, a new study has found. They're less eager to know what the future holds, and more willing ...

Published:  Wed, 22 Feb 2017 19:11:00 GMT



AXA Equitable Life Insurance Company - Strategy, SWOT and Corporate Finance Report - New Market Research Report

(live-PR.com) - AXA Equitable Life Insurance Company - Strategy, SWOT and Corporate Finance Report, is a source of comprehensive company data and information. The report covers the company's structure, operation, SWOT analysis, product and service ...

Published:  Thu, 23 Feb 2017 03:45:00 GMT



 

 

 

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