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      September 19, 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


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.
Read More... Visit

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!

Did dad get scammed with this life insurance policy

Q. My dad took out a $50,000 whole life policy on my mom 20 years ago. She's now 90 and the company said the premiums are going up from $500 a year to $11,000 a year. Can they do that They also said ...

Published:  Tue, 18 Sep 2018 10:32:00 GMT

Nestle to Sell Gerber Life Insurance to Western & Southern Financial

Nestle NSRGY -0.35% announced Monday it has agreed to sell its Gerber Life Insurance Co. unit to Western & Southern Financial Group for $1.55 billion in cash. The Swiss conglomerate announced in Febru...

Published:  Mon, 17 Sep 2018 15:27:00 GMT

Nestle to sell Gerber Life Insurance unit for $1.55 billion

(Reuters) - Nestle (NESN.S) said on Monday it would sell its Gerber Life Insurance unit to Western and Southern Financial Group for $1.55 billion in cash, helping the company to focus on its core food ...

Published:  Mon, 17 Sep 2018 18:33:00 GMT

Where to now for the life insurance industry

From the disastrous evidence at the Hayne royal commission hearings, you would begin to wonder how Australia's life insurance industry is ever going to scrape itself off the floor to rebuild its reput...

Published:  Tue, 18 Sep 2018 22:48:00 GMT

Can You Have More Than One Life Insurance Policy

You need life insurance if your death would hurt anyone financially. For many people, one policy is enough. But for some, two or more make sense. Your needs should drive the number and type of policie...

Published:  Tue, 18 Sep 2018 12:37:00 GMT

Financial Watchdog Clears Life Insurers of Customer Mistreatment

LONDON - Britain's Financial Conduct Authority (FCA) said on Wednesday it had cleared four life insurance companies under investigation for alleged mistreatment of customers after an extended review o...

Published:  Tue, 18 Sep 2018 23:32:00 GMT

A.M. Best Places Credit Ratings of Gerber Life Insurance Company Under Review With Positive Implications

A.M. Best has placed under review with positive implications the Financial Strength Rating (FSR) of A (Excellent) and the Long-Term Issuer Credit Rating (Long-Term ICR) of "a" of Gerber Life Insurance ...

Published:  Tue, 18 Sep 2018 13:53:00 GMT

Experts offer life insurance tips

MARQUETTE, Mich. (WLUC) - September is Life Insurance Awareness Month. According to a recent AAA survey, nearly half (46%) of Michigan residents do not have a life insurance policy in place. Tanner Wa...

Published:  Tue, 18 Sep 2018 11:09:00 GMT

A Life Insurance Offer Your Client Can't Refuse

Last week, I was contacted by an agent with whom I've had a long-term relationship regarding a question from a client. The client is a gentleman who's the surviving insured on a $1 million second-to-d...

Published:  Tue, 18 Sep 2018 11:51:00 GMT

Half of American workers lack life insurance

Your article was successfully shared with the contacts you provided. According to Anthem, there's a "gap between financial priorities and the use of life insurance as a financial planning tool." (Phot...

Published:  Tue, 18 Sep 2018 07:39:00 GMT

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