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Life Insurance Reviews

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E FINANCIAL

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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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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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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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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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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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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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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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?

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!



Life Insurance In The News

How Insuretech Can Help Millennials Buy Life Insurance

When it comes to life insurance, many millennials understand the financial risk of not having it - the need - but might not be aware of what kind of policy they need or how to procure it. Current obli...

Published:  Tue, 20 Nov 2018 04:15:00 GMT



Can You Get Life Insurance if You're Disabled

A life insurance plan is meant to financially secure any individual who owns a policy in terms of medical health. The plan is intended to make sure that the insured gets treated properly without havin...

Published:  Tue, 20 Nov 2018 08:12:00 GMT



Life Insurance Marketing: New Strategies for the Digital Age

Digital technologies are dramatically changing consumer expectations along the life insurance path to purchase. How can carriers adapt to meet customers' rapidly evolving preferences The life insuran...

Published:  Mon, 19 Nov 2018 18:41:00 GMT



Can HNW Clients Still Use Life Insurance As A Tax And Financial Tool

Historically life insurance has had many tax benefits and uses as a financial tool. Proceeds of life insurance are tax-free to the beneficiary, for instance, and proceeds of a large life insurance pol...

Published:  Tue, 20 Nov 2018 07:13:00 GMT



What is mortgage life insurance

For most homeowners, their mortgage is their biggest financial commitment. It makes sense, therefore, to ensure that if you were unable to continue paying your mortgage instalments each month, you or ...

Published:  Mon, 19 Nov 2018 10:37:00 GMT



Canadians unwilling to give up daily luxuries for life insurance

Three-quarters (74%) of Canadians stay awake at night worrying about their finances but only 25% would give up a daily coffee in exchange for the increased financial security of life insurance, accord...

Published:  Tue, 20 Nov 2018 09:05:00 GMT



Momentum explains why it refused to pay shooting victim's life insurance

People take out life insurance to ensure that in the event of their death or disability, there is money available to settle all outstanding debts and provide dependants with some financial security. H...

Published:  Sun, 18 Nov 2018 23:00:00 GMT



Survey Results Reveal People Over The Age Of 24 Are Uncomfortable Sharing Fitbit Or Apple Watch Data With Life Insurance Companies To Get Better Rates

The future of insurtech may be in jeopardy. In a recent survey to gauge comfort with sharing personal information in the evolving realm of insurtech, the online life insurance agency True Blue ...

Published:  Tue, 20 Nov 2018 05:38:00 GMT



How 1 line on the feds' flood map makes life harder for Syracuse's South Side

Because the house is now in a flood zone, the Benjamins had to buy flood insurance. If the house was built 12 inches closer to the road, it wouldn't be in the floodplain. If the elevation was an inch ...

Published:  Tue, 20 Nov 2018 09:35:00 GMT




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