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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

Days Says: Had Cancer Here's How To Fight For Life Insurance

I started looking at life insurance policies after my wife and I had our daughter. During the screening process, I found out I had testicular cancer. I went through treatments, and the doctors have of...

Published:  Mon, 16 Jul 2018 08:13:00 GMT



The Term/Perm Life Insurance Debate Riddled With Fallacies

There are several semi-famous authors and media personalities who push their financial advice to the masses, often while misrepresenting themselves as life insurance experts. These self-proclaimed lif...

Published:  Mon, 16 Jul 2018 11:18:00 GMT



Insurers, Life Settlement Firms Clash Over UL Cost-of-Insurance Hikes

Life settlement industry players want state lawmakers to do something about life insurers' wave of universal life (UL) cost-of-insurance increases. State lawmakers are not convinced that this is the r...

Published:  Mon, 16 Jul 2018 14:21:00 GMT



National Life Insurance Company Announces...

NEW YORK, July 16, 2018 /PRNewswire/ -- National Life Insurance Company ("National Life") today announced that holders of 10.50% Surplus Notes due 2039 (the "Existing Surplus Notes") may tender Existi...

Published:  Mon, 16 Jul 2018 19:57:00 GMT



BRIEF-China Life Insurance's H1 Premium Income At About 360.2 Billion Yuan

July 16 (Reuters) - China Life Insurance Co Ltd : * SAYS JAN-JUNE PREMIUM INCOME AT ABOUT 360.2 BILLION YUAN ($53.89 billion) Source text in Chinese: https://bit.ly/2KX6EaB Further company coverage: ( ...

Published:  Mon, 16 Jul 2018 01:57:00 GMT



Insurance industry hits growth of 24% in H1

The insurance industry is also expected to benefit from the country's projected GDP growth of more than 6 per cent annually over the next three years. It also has great potential as the country has on...

Published:  Mon, 16 Jul 2018 19:08:00 GMT




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