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      January 21, 2020

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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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Best 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


2020

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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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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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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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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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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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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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.

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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!

Months of protests hit Hong Kong's life insurance industry

Months of anti-government protests in Hong Kong have hit one of the city's most lucrative industries and favoured channels for getting money out of mainland China - the sale of life insurance products ...

Published:  Mon, 20 Jan 2020 16:01:00 GMT



When my dad died unexpectedly at 55, his life insurance was my security blanket. So it's a no-brainer to spend $134 a month to protect my own kids.

Once I became pregnant with my first child, my husband and I bought life insurance right away. Now, I pay about $1,600 a year for peace of mind.

Published:  Sat, 18 Jan 2020 07:25:00 GMT



Why some life insurance could prove risky for consumers

Life insurance sales standards can be lax, and the complexity of many types of insurance could make it difficult to know if you're getting good advice.

Published:  Sun, 19 Jan 2020 12:16:00 GMT



I pay less than $50 a month for $1 million of life insurance, and I think I got a great deal

Once you start compiling all the things you'll need life insurance to pay for, you may find the coverage you need is a lot more than you'd imagined.

Published:  Sun, 19 Jan 2020 11:49:47 GMT



What Is Whole Life Insurance?

Whole life insurance is a type of permanent life insurance. All whole life policies have three elements: premiums, a death benefit, and cash value.

Published:  Fri, 17 Jan 2020 08:40:00 GMT



Life Insurance Guaranteed Income Plans: Should you opt for them?

These income plans offer income tax deduction under Section 80C, along with, tax exemption under Section 10(10D) on the maturity proceeds. The point of having a life insurance policy is to safeguard ...

Published:  Mon, 20 Jan 2020 22:41:00 GMT



What Is Term Life Insurance?

Term life insurance provides coverage for a set period of time, typically from five to 30 years. The insurance company pays a benefit to your beneficiary if you die within this term.

Published:  Fri, 17 Jan 2020 08:32:00 GMT



"What did he do with all the money?' My dying husband cashed his $700K life insurance and emptied his bank accounts

My husband was diagnosed with brain cancer in 2001. Doctors told us not to bother acquiring long-term health care since he wouldn't live five years. Hey, we were happy. He could have been hit by a bus ...

Published:  Mon, 20 Jan 2020 06:04:00 GMT



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