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      February 24, 2020

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US Insurance Online Review

To help you find the Best Life Insurance, TopConsumerReviews.com provides you with an in-depth US Insurance Online 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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Best Reviews

2020

Life Insurance Reviews

1.5 stars
US Insurance Online

US INSURANCE ONLINE

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US Insurance Online is not an insurance company, but rather sends your information to up to eight different insurance companies. They connect website visitors to insurance companies for home, auto, life, health, and annuity policies. Besides providing your personal information to US Insurance Online to receive referrals to other life insurance companies, there is nothing else offered to users: no blogs, no life insurance FAQ, no glossary of terms.

A disclaimer is included at the end of the life insurance quote form letting the customer know that up to eight insurance companies, agents, or their partners are authorized to contact you at the phone and address provided. This could be for marketing purposes or to get more information using an automated telephone dialing system and/or prerecorded voice, email or text messages. Giving this blanket permission to up to eight providers could result in being bombarded with offers from those companies. Customers may not appreciate this and may find themselves very frustrated by subsequent marketing efforts, just from trying to get a life insurance quote.

When we submitted our information via the online quote form, only two companies were provided as options for life insurance. After all the information we filled out through US Insurance Online, we were redirected to our chosen third-party insurance company and had to fill out an application all over again. We wound up providing the same information we already gave US Insurance Online, which feels like a waste of time.

Although US Insurance Online's services are free, we can assume they are making a profit from the life insurance companies they refer us to. We feel like there is really no point in using US Insurance Online since it would be faster to go directly to a company that can actually provide the life insurance. We were not provided with information that is any more useful than what we can obtain elsewhere from their competitors. For faster, more effective results when looking for a life insurance policy, try using one of our higher-rated companies.

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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.

Published:  Fri, 21 Feb 2020 11:57:00 GMT



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



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