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      June 23, 2018

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Life Insurance

  1. Haven Life
  2. US Insurance Online
  3. Insure Me
  4. Insure Lane
  5. Net Quote
  6. Quote Whiz

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Life Insurance Better Business Bureau Reliability Seal

Get Your Life Insurance Policy With EFinancial Today! 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.

Continue reading below reviews

Best Reviews

2018

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.
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Site

4 stars
Haven Life

HAVEN LIFE

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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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.
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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.
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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.
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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.
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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

Continued from above

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!

Who would get this life insurance payout

A. The contingent beneficiary would get the cash. A person who is designated as a beneficiary of a life insurance policy has a right to disclaim the proceeds, said Shirley Whitenack, an estate planning attorney with Schenck, Price, Smith & King in Florham ...

Published:  Fri, 22 Jun 2018 06:15:00 GMT



Some life insurance policies may be unnecessary after tax reform

Q: Over the years, many Americans bought life insurance policies that could be liquidated to pay for potential estate taxes. However, recent tax reform roughly doubled the exempt estate values, causing many policies to no longer be needed. Should consumers ...

Published:  Fri, 22 Jun 2018 03:00:00 GMT



Blog Exposure - AIG Acquires UK Group Life Insurance Business Ellipse from Munich Re

Additionally, AIG Companies are leading providers of life insurance and retirement services in the United States. June 21, 2018 - At Thursday's closing bell, American International Group's stock fell 1.74%, ending the trading session at $54.25. Volume ...

Published:  Fri, 22 Jun 2018 05:08:00 GMT



A.M. Best Downgrades Credit Ratings of Capital Life Insurance Company Limited and Capital General Insurance Company Limited; Places Under Review With Negative Implications

SINGAPORE--(BUSINESS WIRE)--A.M. Best has downgraded the Financial Strength Rating (FSR) to C- (Weak) from B- (Fair) and the Long-Term Issuer Credit Rating (Long-Term ICR) to "cc" from "bb-" of Capital Life Insurance Company Limited (CLI).

Published:  Fri, 22 Jun 2018 06:18:00 GMT



Should You Get Life Insurance for Your Kids

My father was a financial planner, and he got his start by selling insurance. That meant Dad had some very strong opinions about insurance in general, and life insurance in particular. He was not shy about sharing those opinions with a captive audience ...

Published:  Thu, 21 Jun 2018 02:27:00 GMT



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