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      May 20, 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.

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Best Reviews


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.
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4 stars
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 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 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 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 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 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

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? 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!

The salesman may be right: You don't have enough life insurance

This article is reprinted by permission from NerdWallet. Free life insurance at work is a sweet deal. The employer pays for the coverage, and all you have to do is sign up during open enrollment for employee benefits. But a pitfall awaits: While accepting ...

Published:  Fri, 18 May 2018 07:35:00 GMT

What to Do with an Old Life Insurance Policy

Mary retired several years ago and was living a modest, yet comfortable life provided by her Social Security income and retirement savings. Having been a few years into retirement, she had a good sense of her spending habits and future needs. Yet she wasn ...

Published:  Thu, 17 May 2018 05:30:00 GMT

WILLIAM LAKO: The need for life insurance is as unique as your financial plan

Rule: Save 10 percent to 15 percent of your income for retirement. Rule: You can estimate that your growth portfolio should double in value every 10 years or so. But, then there are some things in financial planning that you just cannot apply a rule of thumb.

Published:  Thu, 17 May 2018 11:29:00 GMT

Is China Life Insurance Company Limited's (HKG:2628) ROE Of 11.81% Sustainable

China Life Insurance Company Limited (SEHK:2628) delivered an ROE of 11.81% over the past 12 months, which is an impressive feat relative to its industry average of 11.54% during the same period. On the surface, this looks fantastic since we know that 2628 ...

Published:  Fri, 18 May 2018 18:09:00 GMT

The List: Dayton-Area Health and Life Insurance Agencies

Our annual health and life insurance agencies list is published in this week's Dayton Business Journal. We're ranking it by the value of 2017 health and life premiums written. The information is self reported. Kettering's McGohan Brabender Inc. ranks ...

Published:  Fri, 18 May 2018 02:57:00 GMT

How Young Is Too Young Life Insurance And Children

I would like to begin with a personal story. My brother George was born when I was six years old. But he had a respiratory condition and lived only 19 days. Shortly after George's death, my father purchased life insurance on my sister and me. I can only ...

Published:  Mon, 14 May 2018 13:05:00 GMT

Fubon Life ensuring happier lives in challenging times

With many countries in the world facing a future in which a greater percentage of the population is elderly, the life insurance industry is presented with an opportunity to make a significant impact. In 2017, statistics released by Taiwan's Ministry of ...

Published:  Mon, 14 May 2018 21:13:00 GMT

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