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      February 24, 2020

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E Financial Review

To help you find the Best Life Insurance, TopConsumerReviews.com provides you with an in-depth E Financial Review.

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Get Your Life Insurance Policy from Health IQ Today! Where can you find the best Life Insurance? It may not always be at the forefront of your mind, but the payment of a death benefit to your beneficiaries is an important decision we make for loved ones. A life insurance payout provides financial protection to dependents once we have passed on. These funds might be used for covering basic family expenses like mortgage payments, tuition, car loans, funeral costs, and much more. Essentially, life insurance policies help beneficiaries survive financially until they can get back on their feet without us.

It's estimated that about 40% of Americans don't have life insurance. In very few cases this accounts for individuals without beneficiaries or people with lots of assets that could easily be sold. However, most people without life insurance simply misunderstand the reasons for needing it and how affordable it actually is. Since people are living longer and healthier, life insurance is becoming less expensive than ever. Quite a bit of life insurance can be purchased without breaking the bank.

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2020

Life Insurance Reviews

4.5 stars
E Financial

E FINANCIAL

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The eFinancial website doesn't waste any time in asking for information to start comparing quotes for you. Their "Start, Compare, Apply" process could not be any easier. By filling in your name, DOB, height, weight, zip code, phone number, and email address, you're almost immediately connected to eFinancial's pick of the best policy for you ó which is based on a combination of factors including convenience of application, price, acceptance rate, and more.

The first policy that eFinancial suggests for a customer provides the name of the company, coverage length, coverage amount, and monthly premium. This is the best suggested offer, but customers can browse other policies and compare them side-by-side as well. The coverage amount and length can be changed with a drop-down menu to quickly find a policy that caters specifically to your needs. Once you find a policy you would like to apply for, the application process is short (about 7 questions) and you can submit it directly from the site once you've entered your answers.

If you're reading this thinking you don't understand all there is to know about life insurance and the terms used, don't worry. There is a glossary for that on the eFinancial website. From A - Z (actually, just to W), there are brief explanations of things like conditional receipts, death benefits, and free look provision to make sure you don't feel left in the dark when it comes to understanding what you're paying for.

Another helpful feature on the eFinancial website is the FAQ section. Here you can browse through questions like, "What determines my rate?", "Who needs final expense insurance?", and "How much does life insurance cost?" Each question is followed by one or two paragraphs of a simple explanation that is easy to understand, regardless of how much previous knowledge you may have. The eFinancial blog further explains specific insurance topics that customers may find helpful.

Real customer reviews from other third-party sites can be viewed on the eFinancial website, which is beneficial. There are over 150 reviews and they are mostly very positive with a 4.5/5-star average rating. The Better Business Bureau gives eFinancial an A+ rating as well. Needless to say, you have nothing to lose by choosing eFinancial for your life insurance policy search.

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Continued from above

It's suggested that individuals evaluate their life insurance policies yearly to make sure their coverage is sufficient for future needs. Premium costs are determined based on age, current health and health history, and occupational hazards. Depending on the policy, you'll typically be paying premiums either monthly or annually. Finding the best policy for you is quick and easy with online tools that connect you to the right company and terms for you and your loved ones.

Before signing up for a new life insurance policy, we suggest you keep the following criteria in mind when choosing a program:

  • Cost. There are lots of companies offering life insurance. Make sure you get a competitive price that allows you to put money toward your policy without interfering with your other expenses.
  • Insurer. Is the company you're buying from reputable? Are they going to be around for the duration of your policy? This is one of the most important things to look into before buying into a new life insurance policy.
  • Convenience. Find a company that helps you understand exactly what your policy entails. It's important that they cater to you in both signing up and maintaining your policy. Check if you can make electronic and/or automatic payments and easily contact customer service if needed.

To help you identify the best life insurance plans, TopConsumerReviews.com has reviewed and ranked the best life insurance companies available. We hope this information helps you find a life insurance policy that will give you and your loved ones peace of mind!

I bought a 20-year term life insurance policy, and there are 4 reasons I'd tell anyone to do the same

I hope I never need the life insurance payout, but I'm happy to pay for it knowing it could make an unbearable loss slightly easier on my family.

Published:  Sun, 23 Feb 2020 07:05:00 GMT



A Marijuana User's Guide To Life Insurance

Marijuana users may get higher life insurance quotes depending on how often they use cannabis. Here's our guide to navigating your way to the best rates.

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Maximize Life Insurance At The Right Time With A Ladder

Laddering life insurance is a way to create peak coverage at the time of life you really need it. Here how to get laddering to work for you.

Published:  Wed, 19 Feb 2020 05:36:00 GMT



John Hancock life insurance sales see new vitality

John Hancock's life insurance sales jumped by nearly a quarter last year, its parent company revealed, reaching their highest levels since 2012. The Boston-based insurer and its competitors have been ...

Published:  Tue, 18 Feb 2020 02:24:00 GMT



How to get life insurance online and protect your family in minutes

Brands like Bestow, Haven Life, Policygenius, and Fabric are offering low-cost life insurance online, allowing you to easily select the best coverage.

Published:  Wed, 19 Feb 2020 09:46:00 GMT



Online life insurance company Bestow offers competitive pricing, for 2 to 20 years at a time. Here's how it works and what to expect.

Bestow is an online life insurance company that provides term life insurance plans covering people for two, 10, or 20 years.

Published:  Thu, 20 Feb 2020 09:06:53 GMT



Life Insurance for Senior Market Is Thriving Worldwide | Allianz, Assicurazioni Generali, China Life Insurance

Latest added Global Life Insurance for Senior Market research study by HTF MI offers detailed product outlook and elaborates market review till 2025. The market Study is segmented by key regions that ...

Published:  Fri, 21 Feb 2020 10:52:00 GMT



A life insurance medical exam can save you money. Here's what to expect from the test.

A life insurance medical exam is used to assess your current health to give you an accurate rate - it's not meant to be stressful.

Published:  Mon, 17 Feb 2020 09:38:00 GMT



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