Life Insurance Reviews

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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.

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Backed by Mass Mutual, an insurance company with a history spanning more than 150 years, Haven Life offers direct coverage to consumers - no referrals to other insurance agents or companies unless you choose them. Although there are some limitations, such as only being able to purchase term policies of at least $100,000 and not being available to California residents, Haven Life makes it simple and affordable to get life insurance coverage.

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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.

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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.

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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.

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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.

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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.

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Life Insurance

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.

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 In The News

Should Retirees Have Life Insurance

The primary purpose of life insurance is to protect your dependents financially when you're gone. By the time you reach retirement, it's unlikely that you'll have many people depending on your income, so why would a retiree want a life insurance policy

Published:  Sun, 22 Oct 2017 10:51:00 GMT

4 Easy Steps To Understanding (And Buying) Life Insurance

I know why you haven't bought life insurance yet. It goes something like this: You got married and thought to yourself, "˜What if something happened to me I now have someone who depends on me. I need to get life insurance'. However, the last sweet ...

Published:  Sat, 21 Oct 2017 06:21:00 GMT

Why insurance really is a life or death issue, especially for minorities

(CNN)The study released this week by the American Cancer Society highlighted the significant role health insurance plays in the widening chasm of disparities in breast cancer mortality. Progress on this front has been made. The Affordable Care Act (ACA ...

Published:  Thu, 19 Oct 2017 00:52:00 GMT

Anybody with Discovery Life Insurance

So I'm thinking about taking up life insurance from Discovery (I'm already on their medical insurance), and I have three questions: 1: Does anybody have experience with Discovery Life Insurance Are they any good (i.e. do they actually pay out) 2 ...

Published:  Sun, 22 Oct 2017 11:17:00 GMT

If you unleash this tuned Mercedes, make sure your life insurance is paid up

With 515 horsepower on tap, the Mercedes-AMG GT S makes for a pretty lively driving experience. Mercedes even built its own factory hot rod version, the GT R, with 577 hp and numerous aerodynamic and chassis upgrades. But even that's not enough for some ...

Published:  Fri, 20 Oct 2017 08:24:00 GMT

Do You Need Life Insurance in Your 20s

Building a strong financial foundation in your 20s begins with having the right tools. A budget is one thing you'll need, especially if you're focused on building an emergency fund, saving for retirement or paying off debt. Life insurance is something else ...

Published:  Fri, 20 Oct 2017 02:25:00 GMT

Less than 5 per cent of SL's population investing in life insurance: Softlogic chief Ashok Pathirage

The insurance industry in Sri Lanka has immense potential for growth but at present less than 5 percent of the total population has invested in life insurance cover, chairman/ Chief Executive Officer Softlogic Holdings PLC Ashok Pathirage said. " We have ...

Published:  Sun, 22 Oct 2017 12:50:00 GMT

Choose Life Insurance Wisely - Their Future And Your Peace Of Mind Depends On It

Let's face it. Life insurance is a topic most people would rather avoid. Discussing it forces us to contemplate the inevitability of death, but planning for our family's financial security is a responsibility we cannot avoid. Purpose of Life Insurance ...

Published:  Thu, 19 Oct 2017 20:53:00 GMT

Army's new life insurance enrollment system goes live

WASHINGTON -- The Army launched its Servicemembers' Group Life Insurance Online Enrollment System, or SOES, Oct. 1, providing a one-stop shop for SGLI coverage. "So far enrollment numbers have just about been on track to what we projected," said Lt.

Published:  Thu, 19 Oct 2017 15:25:00 GMT

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