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Life Insurance Reviews

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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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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 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 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 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 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 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? 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

Privacy experts say choosing life insurance tied to fitness tracking could have unintended consequences

Insurance giant John Hancock, owned by Canadian company Manulife Financial Corp., announced Thursday a switch to "interactive" life-insurance policies only, which offer incentives for things like wear...

Published:  Fri, 21 Sep 2018 15:59:00 GMT

Fitbit-based life insurance is a potential privacy and security nightmare

John Hancock is one of the oldest and most established insurance companies in the United States. According to Reuters, it's also the first US insurance company to ditch traditional life ...

Published:  Thu, 20 Sep 2018 09:15:00 GMT

A life insurance company wants to track your fitness data

In continuing "Does Big Brother have too much of our data" news: John Hancock, a US life insurance company, announced on Wednesday that all policies will now give incentives for people to send the co...

Published:  Fri, 21 Sep 2018 13:57:00 GMT

How Nervous Should You Be About Life Insurance That Tracks Your Health Habits

On Tuesday, life insurance provider John Hancock announced it would be rolling out a change for all incoming customers. If you signed up for a life insurance policy, you would be automatically ...

Published:  Thu, 20 Sep 2018 15:13:00 GMT

How to Shop for and Save Money on Your Life Insurance on Mint

With Mint's online tools, you can compare the best offers on financial basics like a new credit card, a high-yield savings account, or your life insurance policy. Mint has done the heavy lifting in ve...

Published:  Fri, 21 Sep 2018 10:17:00 GMT

John Hancock wants to turn life insurance into a wellness game

NEW YORK (CNNMoney) - John Hancock will give its life insurance customers a discount for trying to stay healthy. They just need to hand over some personal data to receive it. The financial services co...

Published:  Thu, 20 Sep 2018 15:48:00 GMT

How to Help Retirees Pick the Right Life Insurance: Hidden Value

Your article was successfully shared with the contacts you provided. Welcome to Hidden Value, the column where Joe Elsasser, CFP, answers common questions with insights advisors and their clients may ...

Published:  Thu, 20 Sep 2018 11:39:00 GMT

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