You save when America's top life insurers bid their lowest price to win your business

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 Nov. 12, 2019
Nathan was helpful and courteous.

- Marty R., Hensley, AR
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 Nov. 12, 2019
Great customer service

- Craig B., Atlanta, GA
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 Nov. 12, 2019
Anthony was very patient and answered all of my questions. I am very pleased. Thank you

- Anthony C., Wonder Lake, IL
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 Nov. 11, 2019
Very informative

- Robert S., San Juan, TX
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 Nov. 11, 2019
Excellent service very helpful and informative

- Atiba A., Newark, NJ
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 Nov. 11, 2019
very informative and helpful

- Christopher F., Lewisburg, PA
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 Nov. 11, 2019
Paul was very helpful and thorough. I really appreciate his extra efforts!

- Jeffrey S., Eaton, CO
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 Nov. 11, 2019
Very polite.

- Eric H., Bloomfield, NJ
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 Nov. 11, 2019
none

- Frederick C., Caledonia, MI
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 Nov. 11, 2019
He was very helpful

- Vernon C., Dallas, GA
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 Nov. 11, 2019
Awesome

- James M., Springfield, MO
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 Nov. 11, 2019
Excellent customer service

- Ioana T., Long Island City, NY
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 Nov. 11, 2019
Excellent service!

- David H., Cumming, GA
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 Nov. 11, 2019
He was very knowledgeable and professional.

- Josephine H., W Long Branch, NJ
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 Nov. 11, 2019
.

- Zhuoxun C., Houston, TX
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 Nov. 10, 2019
He was awesome!!

- Carlos S., Homestead, FL
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 Nov. 10, 2019
She was very helpful and knowledgeable! I appreciate all her efforts and making this a smooth process for my family!

- Melissa D., Henderson, NV
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 Nov. 10, 2019
Jordan was very kind, professional and completely explained all aspects of the policy he was trying to get me a quote for. Thank ...

- Lorain P., Hazel Green, AL
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 Nov. 09, 2019
She is helpful and explain everything

- U Wai Lin P., Fresno, CA
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 Nov. 09, 2019
Mr Richard was very informative. He made sure I was very comfortable with my quote, and reassure me of contacting him of any conce...

- Estelle W., Philadelphia, PA
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 Nov. 09, 2019
Helpful and informative

- Thomas S., Bonney Lake, WA
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 Nov. 09, 2019
So easy to work with!

- Marlee C., Gallatin, TN
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 Nov. 08, 2019
Mr. Solari was very courteous and patient. I'm not very knowledgeable about how insurance works and I was in a loud diner when I a...

- Melody Y., Central Valley, NY
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 Nov. 08, 2019
Took the time to re-assure me that this is not a scam by mailing materials to my home and followed up.

- Tony H., Midlothian, VA
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 Nov. 08, 2019
Richard was great

- Constance F., Delray Beach, FL
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 Nov. 08, 2019
David was very pleasant and professional plus knowledgeable. He wasn't just trying to sell me something. He wanted to make sure I...

- Anne P., Clinton Twp, MI
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 Nov. 08, 2019
Very helpful

- Henri E., Marion, MA
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 Nov. 08, 2019
Explain good all the policy

- Jorge R., Brownsville, TX
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 Nov. 08, 2019
Excellent service

- Elaina S., Dexter, NY
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 Nov. 08, 2019
Excellent service

- Eric S., Adams Cove, NY
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 Nov. 08, 2019
after asking to speak to rep for help with the application from the "live help" chat, Abigail called me directly and was easily ...

- Robert D., Merrick, NY
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 Nov. 08, 2019
I found karl to be extremely helpful and very knowledgeable

- Steven D., West Kingston, RI
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 Nov. 08, 2019
She was very professional and friendly.

- Roel V., Alfred, TX
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 Nov. 08, 2019
Richard was very professional and informative. I am Looking forward to hopefully doing business with him in the near future.

- Michael F., Bradenton, FL
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 Nov. 08, 2019
Great customer service. Very helpful

- Wilson C., Wantagh, NY
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 Nov. 07, 2019
The man who contact me was very nice, he listened to what I needed and he gave me information.

- Olga R., Chula Vista, CA
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 Nov. 07, 2019
Very thorough and helpful.

- Thomas D., Glen Allen, VA
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 Nov. 07, 2019
NICE

- John C., Portland, OR
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 Nov. 07, 2019
She was great! Fast and informative!

- Thomas B., Salem, OR
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 Nov. 07, 2019
Anne was very knowledgeable during the call. She also was able to answer all of my questions without hesitation. Overall very grea...

- Richard B., Orlando, FL
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 Nov. 07, 2019
Hi All, Daniel Meek's service was excellent! Thanks. D. Francis

- Darryl F., Chicago, IL
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 Nov. 07, 2019
She was extremely professional and responsive to my needs.

- Judith A., Westminster, CO
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 Nov. 07, 2019
Outstanding Service

- Larry F., Roswell, GA
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 Nov. 07, 2019
Martin Sanchez was very professional with a lot of patience and knowledgeable.

- Aristides V., Chesterfield, VA
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 Nov. 07, 2019
Muy amable y me expliců muy bien lo que quiero saber.

- Ruben S., Odessa, TX
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 Nov. 07, 2019
Tony was very professional and diligent with our new policies, explaining everything that we needed to do. Excellent service.

- Mark F., Brunswick, ME
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 Nov. 07, 2019
Very friendly and patient

- Steve M., Waterloo, IL
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 Nov. 06, 2019
Excellent

- Fatoumata D., Milwaukee, WI
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 Nov. 06, 2019
She is so pleasant to work with and we played phone tag a lot and she did not give up on me . She called right on time when asked ...

- Gail P., Chincoteague Island, VA
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 Nov. 06, 2019
Great Agent, very friendly.

- Jennefer R., Doylestown, PA
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 Nov. 06, 2019
Kevin was fantastic

- Bill F., Williamsport, OH
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 Nov. 06, 2019
Excellent

- Jimmy C., Greenfield, WI
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 Nov. 06, 2019
Happy

- Scott M., Kirksville, MO
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 Nov. 06, 2019
Very professional

- Marlon H., Sunrise, FL
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 Nov. 06, 2019
good

- Terri S., Okc, OK
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 Nov. 06, 2019
Maria seemed to anticipate my questions before I asked them and is very pleasant to deal with

- Mark S., ORLAND PARK, IL
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 Nov. 06, 2019
So helpful and promt response!!!

- Gabriela P., Harbor City, CA
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 Nov. 06, 2019
I can truthfully say that I was considerably blessed by the service provided from your company. I will have no problem recommendi...

- Gloria W., Oakland, TN
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 Nov. 06, 2019
very helpful

- Harra G., Newington, CT
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 Nov. 05, 2019
Sķper professional

- Nilson M., Imperial, CA
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 Nov. 05, 2019
She listened to my concerns and try to help me the most she can on her end. She also offer follow up too! Thank you very much!

- Giang G., Lakewood Ranch, FL
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 Nov. 05, 2019
Jeff is a genuine, down to earth person. Extremely friendly and helpful. A joy to talk with! Thank you to Jeff for his patience a...

- John F., South Holland, IL
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 Nov. 05, 2019
I spoke with various agents from other insurance companies and Joan was by far the most helpful and clear. Her help during the app...

- Helen D., Huntington, CT
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 Nov. 05, 2019
Very professional and polite

- Milton B., Belle Mead, NJ
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 Nov. 05, 2019
Very courteous!

- Donald B., Berlin, MA
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 Nov. 05, 2019
Very helfull

- Keith S., Central Point, OR
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 Nov. 05, 2019
She is very nice ,friendly ,patience and perficinal. I am sure will get insurance for her company. Thank you . Jalal tirgardoun

- Jalal T., Coralville, IA
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 Nov. 05, 2019
Awesome

- Jack M., Dix Hills, NY
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 Nov. 05, 2019
very patience, polite, helpful, willing to hear all the concerns, profesional.

- Nascina R., Rancho Mission Viejo, CA
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 Nov. 05, 2019
David is an excellent communicator.

- Michael T., Sioux Falls, SD
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 Nov. 04, 2019
Daniel Meek was very helpful, knowledgeable and professional.

- Felicia W., Birmingham, AL
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 Nov. 04, 2019
Cynthia gave explicit explanations to me about my conversion.

- Karen R., Madison, WI
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 Nov. 04, 2019
I was very pleased with Richard who explained a lot.

- Susan C., Oneida, NY
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 Nov. 04, 2019
Everyone was very helpful and polite.

- Sharon S., Cedar Lake, In, IN
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 Nov. 04, 2019
everything went great. He was very professional and thorough.

- Scott T., Wheaton, IL
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 Nov. 04, 2019
Very courteous and professional experience!

- Abraham D., Bear, DE
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 Nov. 04, 2019
She is very helpful and excellent customer service.

- Kheng D., Clarksburg, MD
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 Nov. 04, 2019
Very well please with the customer sevice

- Jeffery H., Chickasaw, LA
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 Nov. 04, 2019
Very nice service

- Shawanda H., Chickasaw, LA
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 Nov. 04, 2019
Well pleased service was great

- Jeffery H., Chickasaw, LA
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 Nov. 04, 2019
very professional

- Ramon N., Brooklyn, NY
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 Nov. 04, 2019
Mike answered all my questions and provided additional information. He did an excellent job. Thank you.

- Hilda L., Fresno, CA
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 Nov. 04, 2019
Ms. Joan Hector was great!

- Sreedevei K., Woodbine, MD
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 Nov. 04, 2019
Dan was good

- Christopher S., Makawao, HI
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 Nov. 03, 2019
He listened and tried his best to help me.

- Basab B., Ballston Lake, NY
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 Nov. 02, 2019
Nice guy, easy to work with and knowledgeable. Appreciate the help!

- Ryan J., Denver, CO
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 Nov. 02, 2019
Nice guy, easy to work with and knowledgeable. Appreciate the help!

- Victoria J., Denver, CO
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 Nov. 01, 2019
Thank you for all your help!

- Bridgette F., Jessup, MD
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 Nov. 01, 2019
Very courteous.

- Jeffrey H., Wesley Chapel, FL
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 Nov. 01, 2019
Professional!

- Katherine R., Manassas, VA
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 Nov. 01, 2019
Professional!

- Miriam S., Manassas, VA
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 Nov. 01, 2019
Very good.

- Mach N., American Canyon, CA
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 Oct. 31, 2019
Not on this exanple

- Baron D., Heath, OH
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 Oct. 31, 2019
Deya is a complete professional. She helped with my whole application and guided me to make a decision that benefits me. I am grat...

- Jorge E., Miami, FL
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 Oct. 31, 2019
Very patient and great at answering questions.

- Garrett W., Henderson, NV
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 Oct. 31, 2019
Lawrence "Larry" Schultz was a big help for me when starting my Mutual of Omaha life insurance policy application. He was very pro...

- Randy R., Port Lavaca, TX
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 Oct. 31, 2019
he was very specific and informative

- Hector L., Bacliff, TX
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 Oct. 31, 2019
Very helpful

- Judy W., Miramar Beach, FL
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 Oct. 30, 2019
Thanks, Carl

- Franckel S., Auburn, GA
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 Oct. 30, 2019
Representatives was very informative regarding insurance quotes

- Cai I., Casa Grande, AZ
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 Oct. 30, 2019
Karl was awesome! Thank you, Pamela McMahon

- Pamela M., Jackson, WY
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 Oct. 30, 2019
Brandon was easy to work with. He answered all of our questions, and was extremely friendly. Deserves a 5 star rating. Thank you...

- Bryan B., Melbourne, FL
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 Oct. 30, 2019
Excellent

- Fatoumata D., Milwaukee, WI
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 Oct. 30, 2019
keep up great work

- Joyce G., Eddy, TX
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 Oct. 30, 2019
Thanks so much!!

- Joseph R., Camano Island, WA
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 Oct. 30, 2019
Most helpful and detailed. Very personable

- Margaret M., Stuart, FL
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 Oct. 30, 2019
Excellent customer service

- Franklin M., Washington, DC
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 Oct. 30, 2019
Denise was very professional. I think that most of the problems happened at my end of the process.

- Frederick R., Baldwin City, KS
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 Oct. 30, 2019
Crystal was personable,knowledgeable and friendly!! Wish she worked for me

- Joseph C., East Meadow, NY
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 Oct. 30, 2019
James Horvath was very thorough, efficient and a pleasure to do business with

- Steven W., Crescent, OK
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 Oct. 30, 2019
Brandon was polite and too the point. We quickly got to completing the application and I an looking forward to getting my policy. ...

- John R., CHICAGO, IL
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 Oct. 30, 2019
He was very efficient in a very limited amount of time. Thank you.

- Mariette B., Alexandria, VA
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 Oct. 29, 2019
All set

- David P., Milford, CT
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 Oct. 29, 2019
He was very professional.

- Glen P., Chesterfield, VA
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 Oct. 29, 2019
He was very professional.

- Eileen P., Chesterfield, VA
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 Oct. 29, 2019
I enjoyed talking to him good information and not pushy.

- Dewana G., Wichita, KS
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 Oct. 29, 2019
Very courteous and helpful.

- Marty R., Hensley, AR
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 Oct. 29, 2019
very helpful and accommodating

- Alan N., Spring Lake, NJ
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 Oct. 29, 2019
Great customer service.

- Karen R., Missoula, MT
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 Oct. 29, 2019
good

- Darryl R., Montezuma, GA
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 Oct. 29, 2019
Joan has been very helpful to me answering all my questions and giving me a quote. I would refer my family and friends in the futu...

- Cynthia D., Fayetteville, NC
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 Oct. 29, 2019
Chris is great very personable and patient!

- Lisa H., Scottsdale, AZ
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 Oct. 29, 2019
Very good

- Anthony W., Baltimore, MD
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 Oct. 29, 2019
Karl was great and was very patient with me.

- Maryann L., Cordova, TN
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 Oct. 29, 2019
Joan was very personable and happy to assist me!

- Jeannie L., Pulaski, VA
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 Oct. 29, 2019
Mike was very thorough and friendly

- Antonio E., Houston, TX
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 Oct. 28, 2019
Very informative. Very good experience.

- Rogelio M., Keizer, OR
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 Oct. 28, 2019
I have supplied all the information requested. The approval process seems very slow to me.

- John J., Conway, AR
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 Oct. 28, 2019
Very nice to work with

- Clifford P., Leesburg, FL
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 Oct. 28, 2019
Excellent CS!

- Jaime V., Athol, MA
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 Oct. 28, 2019
He was great and informative.

- Felicia L., Knoxville, TN
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 Oct. 28, 2019
Good info

- Kathleen S., And, SC
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 Oct. 28, 2019
Cynthia was very helpful. She provided me with quotes for different policy amounts. She returned my calls promptly and left voic...

- Charles M., Crestview, FL
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 Oct. 28, 2019
Richard was excellent

- James C., Delray Beach, FL
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 Oct. 28, 2019
Very helpful and polite

- Patrick F., Midland, TX
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 Oct. 28, 2019
I thank Christopher for his excellent customer service. I also thanks for the good rate that he gave me. Thank you

- Falamao S., Tehachapi, CA
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 Oct. 28, 2019
Crystal was very professional and courteous and explained and answered policy questions I had concerns over.

- Cindy B., Ilion, NY
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 Oct. 28, 2019
Larry was very professional and patient and took his time in explaining my coverage options.

- Tamara G., Bristol, PA
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 Oct. 27, 2019
Anne was incredible

- Calvin B., Waukegan, IL
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 Oct. 27, 2019
Very patient with explanation of products

- Ashley B., Glyndon, MD
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 Oct. 27, 2019
Deyanira was helpful, throughout, patient and friendly. A true professional!

- James H., Tooele, UT
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 Oct. 26, 2019
Christopher was helping me on my quotes for life insurance. Thank you for your excellent customer service.

- Asinate S., Tehachapi, CA
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 Oct. 26, 2019
Personable and helpful.

- Lorraine H., Anna, TX
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 Oct. 26, 2019
David was very helpful and knowledgeable, and answered all of my questions in a helpful manner.

- Frank T., Oceanside, CA
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 Oct. 26, 2019
Heís great

- John B., Buford, GA
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 Oct. 26, 2019
Good job

- Terry K., Ellisville, MS
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 Oct. 26, 2019
Service was great!

- Maliachi F., Douglasville, GA
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 Oct. 26, 2019
Service was great,

- Aaron D., Douglasville, GA
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 Oct. 26, 2019
Good communication skill and very friendly .

- Basab B., Ballston Lake, NY
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 Oct. 25, 2019
I asked him about 10,000 questions and he answered them all with a very good attitude even though I was very hard to handle

- Gabriel H., Abilene, TX
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 Oct. 25, 2019
I was very high maintenance and a pain in the butt and he handled me with absolute excellence and I appreciate that because Iím a ...

- Melissa M., Abilene, TX
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 Oct. 25, 2019
Very well trained, well informed and highly professional in his approach. Took time to explain each step in detail. Outstanding Cu...

- Rumi V., San Ramon, CA
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 Oct. 25, 2019
Jeff Hansen was the FIRST person I spoke to after talking to many, many people all week about Medicare supplement plans and Life I...

- John F., South Holland, IL
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 Oct. 25, 2019
He did a great job helping me get life insurance

- William L., Fredon, NJ
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 Oct. 25, 2019
Very personable and reassuring service.

- Kyrsten H., Monmouth, IL
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 Oct. 25, 2019
Very professional and informative

- Scott H., Gainesville, FL
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 Oct. 25, 2019
Awesome conversation answered all my questions

- Haley B., Umatilla, FL
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 Oct. 25, 2019
Michael is very polite and very helpful answering all my questions.

- Diana R., Elizabeth, NJ
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 Oct. 25, 2019
He really came through for me.

- Lisshon B., Philadelphia, PA
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 Oct. 25, 2019
He was patient, check on my concerns and made it possible for me to get insurance I needed

- Quadir B., Phila, PA
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 Oct. 25, 2019
He heard what I needed and delivered

- Quincy B., Phila, PA
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 Oct. 25, 2019
Very helpful information

- John T., Hollis, NY
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 Oct. 25, 2019
He heard what I needed and delivered

- Wyinaka B., Phila, PA
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 Oct. 25, 2019
He went beyond and met my needs

- Johnnay B., Phila, PA
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 Oct. 25, 2019
He was not only helpful he was patient. He understood my needs and met them

- Jeremiah B., Phila, PA
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 Oct. 25, 2019
Excellent customer service, patient and considerate.

- Marguerite R., Conway, SC
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 Oct. 25, 2019
Great gentleman who cares about others. Thank you

- Rajabu M., Hahnville, LA
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 Oct. 25, 2019
Jay is Fantastic! Very patient and polite! Makes me feel valued!!

- Gilma Y., Columbus, OH
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 Oct. 25, 2019
Great

- David T., Newburgh, NY
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 Oct. 25, 2019
he is very friendly and helpful, I and my wife have been in touch with him, he helped me get life insurance for my new mortgage

- Shoaib M., Arlington Heights, IL
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 Oct. 25, 2019
Kirsten was very helpful and knowledgeable. She answered all my questions and I felt confident that she was helping me make the ri...

- Maria B., Selden, NY
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 Oct. 25, 2019
Very Helpful!

- Brent T., Hatfield, PA
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 Oct. 25, 2019
Karl was great. Very knowledgeable and personable.

- Kou Y., Leominster, MA
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 Oct. 25, 2019
He was great

- Robert S., Austin, TX
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 Oct. 24, 2019
Thanks!!!

- Joseph M., New Bern, NC
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 Oct. 24, 2019
Thanks!!

- Joy M., New Bern, NC
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 Oct. 24, 2019
Thank you!!

- Jacqueline M., New Bern, NC
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 Oct. 24, 2019
Good job

- Julio M., West Palm Beach, FL
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 Oct. 24, 2019
She was excellent

- Peter O., Phoenix, AZ
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 Oct. 24, 2019
Karl was very professional and punctual. He seemed very concerned with my needs and displayed impeccable adaption for my own under...

- John W., Burgaw, NC
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 Oct. 24, 2019
Very helpful and professional

- Sabrina B., Springdale, AR
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 Oct. 24, 2019
Jordan was great!

- Reid M., Maple Lake, MN
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 Oct. 23, 2019
Iím very happy with you !

- Mohamed C., Madison, WI
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 Oct. 23, 2019
David was excellent

- Fatoumata D., Milwaukee, WI
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 Oct. 23, 2019
Very nice

- Frank G., Fairmont, WV
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 Oct. 23, 2019
Great customer service

- Michelle S., Yorktown, VA
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 Oct. 23, 2019
Joan was very helpful and informative.

- Badr E., Endicott, NY
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 Oct. 23, 2019
She is very helpful, courteous and patient ... And she keeps a follow up for their customers ...

- Jyoti P., Iselin, NJ
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 Oct. 23, 2019
She was great

- Deborah D., Chillicothe, OH
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 Oct. 23, 2019
Edward was patient with me ensuring that understood the insurance I was purchasing, that gave me the security I needed to move for...

- Tracey R., Tinley Park, IL
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 Oct. 23, 2019
Wonderful!

- Rosalind B., Kissimmee, FL
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 Oct. 23, 2019
Professional and Fast Customer Service!

- Christopher H., Kindred, FL
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 Oct. 23, 2019
She responded rapidly to solve problem.

- William R., Conway, SC
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 Oct. 23, 2019
Very helpful

- Vickie H., Clermont, GA
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 Oct. 23, 2019
Wonderful personable friendly person. Easy to talk to

- Latrice J., Douglasville, GA
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 Oct. 23, 2019
very pleasant and informative

- Brent W., Mesa, AZ
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 Oct. 23, 2019
Very pleasant and informative

- Patricia W., Mesa, AZ
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 Oct. 23, 2019
Knowledgeable and very professional and friendly

- Raymond A., Pineville, LA
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 Oct. 23, 2019
He was great!

- Mel D., Englishtown, NJ
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 Oct. 23, 2019
Kevin was very knowledgeable, and helpful. Not pushy and very professional.

- Chelsey G., Mullins, SC
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 Oct. 23, 2019
Excellent experience.

- Patrick Y., North Ridgeville, OH
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 Oct. 23, 2019
Very polite and kind. Professional and courteous.

- Molly Y., North Ridgeville, OH
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 Oct. 22, 2019
Michael was amazing his customer service skills donít deserve 5 stars he deserve more so I will give him ⭐️⭐...

- Elizabeth S., Elizabeth, NJ
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 Oct. 22, 2019
Great help!!

- Paige V., Atlanta, GA
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 Oct. 22, 2019
Very helpful

- Rafael V., Ocala, FL
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 Oct. 22, 2019
Great quote, very positive, not pushy.

- Ricky C., Maumelle, AR
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 Oct. 22, 2019
Great service

- Noreen D., Queensbury, NY
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 Oct. 22, 2019
Very professional

- Radhames M., Elizabeth, NJ
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 Oct. 22, 2019
Great

- Diane G., New Hyde Park, NY
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 Oct. 22, 2019
Cynthia was very helpful and patient with my concerns. I appreciate her help.

- Makesha E., Elizabeth Cty, NC
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 Oct. 22, 2019
Chris is very nice and professional

- Kathy J., Inverness, FL
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 Oct. 22, 2019
She has been the best- patient, informative, understanding in helping me with my needs and the best in potential customer CARE. ...

- Thomas F., Conroe, TX
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 Oct. 21, 2019
Professional, efficient and very courteous!

- Cindy A., Moreno Valley, CA
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 Oct. 21, 2019
he was very helpful thanks

- Joseph B., Livermore, CA
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 Oct. 21, 2019
Very helpful

- Dennis O., Medford, MA
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 Oct. 21, 2019
Kevin Novak handle my situation very quickly and very professionally. Thank you Kevin

- Nancy V., Myrtle Beach, SC
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 Oct. 21, 2019
He explained everything very helpful

- Kirk S., Laurel, MD
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 Oct. 21, 2019
Excellent

- Alexandre J., San Diego, CA
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 Oct. 21, 2019
Very knowledgable and clear in his explanation of the information given.

- Andrew M., Mascotte, FL
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 Oct. 21, 2019
He quickly responded to my inquiry and provided helpful information

- David M., Camano Island, WA
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 Oct. 20, 2019
Aaronís customer service was remarkable. Aaron was polite, attentive, and offered me what was best for me and not what would benef...

- Kawagi W., Atlanta, GA
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 Oct. 19, 2019
Very thankful for the follow up call, will be glad to share with others the care lifequotes has taken care of and the way you keep...

- David W., Buckhorn, KY
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 Oct. 19, 2019
Pleasant and professional

- Deborah H., Lake Shore, MD
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 Oct. 19, 2019
Please cancel any verbal transaction I agreed regarding the guarantee insurance policy with Mutual of Omaha

- Carmen C., Margate, FL
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 Oct. 19, 2019
Very friendly ! Knows his stuff

- Natasha S., Macon, MO
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 Oct. 19, 2019
Very friendly and knowledgeable! Appreciated the quick response time

- Nacoma S., Macon, MO
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 Oct. 19, 2019
Kevin answered all my questions, was kind and professional.

- Marty R., Hensley, AR
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 Oct. 19, 2019
Very professional & helpful.

- Katherine R., Manassas, VA
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 Oct. 19, 2019
Thank you for the updates and kind customer service!

- Louis M., Amherst, NY
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 Oct. 18, 2019
David was super patient with my muffled phone (my apologies), and my monotone tude I had! Itís a sick day for me so I wasnít in th...

- Casey B., Sparta, NJ
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 Oct. 18, 2019
Helpful, thankyou.

- Savannah P., Saint Petersburg, FL
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 Oct. 18, 2019
Good experience and helpful to be able to look at different options quickly.

- Brenda S., Lexington, KY
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 Oct. 18, 2019
Good

- Jimmy C., Greenfield, WI
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 Oct. 18, 2019
Good

- Ramatou C., Milwaukee, WI
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 Oct. 18, 2019
very efficient and professional

- Joan S., Olean, NY
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 Oct. 18, 2019
Kevin has been very professional and informative, and is showing flexibility in working with my hectic schedule despite our differ...

- Jacob O., Salem, OR
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 Oct. 18, 2019
I appreciate him providing f/u call. As well, he was kind & informative. Great customer service!!

- Cullen P., Guthrie, NC
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 Oct. 18, 2019
Maria was professional, and efficient. Give her a raise!

- Diann B., Belle Vernon, PA
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 Oct. 18, 2019
So far Jay has provided excellent customer service. Professional, thorough and quick to respond.

- Brandon L., Palm City, FL
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 Oct. 17, 2019
Very helpful.

- Dina D., Bronx, NY
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 Oct. 17, 2019
Karl Johnson has worked diligently to help my husband get life insurance where no one else would help him.

- David E., Saint Johns, AZ
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 Oct. 17, 2019
Very helpful.

- Ronald S., NEWPORT NEWS, VA
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 Oct. 17, 2019
Very good

- Zubair S., E Brunswick, NJ
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 Oct. 17, 2019
Customer service was excellent and friendly.

- Tamon W., Huntingtown, MD
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 Oct. 17, 2019
She was very helpful

- Farhat K., E Brunswick, NJ
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 Oct. 17, 2019
Sheís a rockstar

- MATTHEW E., Dallas, TX
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 Oct. 17, 2019
Great job

- John B., Buford, GA
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 Oct. 17, 2019
Very friendly, funny, and helpful. Explained answers to my questions very clearly.

- Nina D., Goodyear, AZ
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 Oct. 17, 2019
Very helpful.

- Joseph M., Calgary, TX
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 Oct. 17, 2019
She is very kind and professional

- Maria M., Irving, TX
Life Quotes Inc. BBB Business Review

Past Accolades
(Yeah, we're blushing)

  • Life Quotes, Inc. is rated A+ by the BBB and has held this rating since December 1, 1997. --Better Business Bureau
  • "2017 Life Insurance Innovation" award winner... --Life Insurance Direct Marketing Association
  • "The premier Web site in terms of details and ease of use..." -- Yahoo! FINANCE
  • Twice Ranked #1 life insurance website by --Kiplinger's
  • Named a "100 Most useful website" --MSN Money
  • Past Winner: Forbes' "Best of the Web"" --Forbes
  • The best web site I've found..." --Dallas Morning News
  • "...we'd recommend you do your insurance shopping here..." --Barron's
  • "...outstanding - as good as a Web site on insurance can possibly be. Hats off and a gold star to the top insurance site on the Web." --Insurance for Dummies

Frequent Life Insurance
Questions and Answers

Fundamentals of life insurance
  • What is life insurance?
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  • Life insurance is a contract or agreement between an insurer and a policyholder in which the insurer agrees to pay a specified amount of cash in the event that the insured dies while the contract is in force. The insurance company promises the death benefit in consideration of the payment of premium by the policy owner. The death benefit is payable to the beneficiary, which is a person or trust or corporation that has been named ahead of time by the policy owner. The most common use of life insurance is to replace lost earnings of a family breadwinner. Example: John, a 45 year old husband and father of three, makes $95,000 per year a salesman. John has elected to carry a $1,000,000 policy on his life, which costs only $49 per month. His wife is his named beneficiary

  • How much life insurance do I need?
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  • Recognizing that each person's situation is different depending upon their age, income, net worth, debt, lifestyle, desire to leave an inheritance, the number and age of dependents and amount of life insurance provided by an employer (typically not more than 2x annual earnings), here are some basic Guidelines:

    • For people who work, have mortgage or children: 10-15 times your annual income
    • For home caregivers with little or no earned income: $300,000
    • For burial coverage and final expenses only: $10,000 - $25,000
    • For children up to age 18: up to $25,000

    For a quick, easy, and confidential way to estimate your life insurance needs, try our Life Happens Needs Calculator , do not rely solely upon employer-provided life insurance because it's probably not enough and it us probably not portable if you leave or change jobs. Ownership of that kind of policy resides with your employer, not you and that might not be the best situation for your long term family needs.

  • Which initial rate guarantee should I buy?
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  • If you are working and have children or a mortgage, we recommend buying cheap term life insurance to cover you until youngest child has graduated from college or until your mortgage debt is paid off, whichever is longer. This conservative approach means that you'll have coverage through the critical period of family life. Make sure to also review quotes for those life insurance plans that now offer early payouts for long term care expenses or a critical medical event such as heart attack or cancer. Those plans are soaring in popularity because that extra protection often costs no more or only a small amount more.

    Let's say that you estimate that your youngest will be out of college in 14 years and that your mortgage has 20 years to go. We'd then recommend that you buy a 20 year initial rate guarantee policy. Once the children are on their own and the mortgage is paid off, you may or may not have a need for life insurance.

    But during the formative, "high risk" years in which you have dependents and debt, we recommend loading up on cheap term life. Families with special needs children should discuss with us their needs because we'll often recommend a lifetime policy in that case.

    If you're looking to have insurance for funeral costs and other final expenses, however, you should consider what's called "final expense" whole life insurance that is available with no exam required and often with no health questions asked.

  • What's covered and not covered on the modern life insurance policy?
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  • Modern life insurance policies generally cover death by any cause, at any time, in any place, except death by suicide within the first two years of a policy (one year in some states). An exception to this is a single-peril policy such as an accidental death policy that pays when the death was caused by a covered accident. Accident-only life policies are popular because there is no underwriting and no exam required. Accident is today the #1 leading cause of death for Americans age 1-45.

  • What is the difference between term life, whole life and universal life insurance?
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  • Term Life insurance is designed for people who want coverage for a set number of years, normally 10-30 years. Premiums stay level during the initial rate guarantee period. Term life is designed replace lost earnings of a family breadwinner and is thus very popular among parents. Term Life is economically-priced because it pays only if the insured dies; there is no cash value buildup..

    Whole Life (and Universal Life) insurance are generally designed to provide a level amount of coverage at a guaranteed rate for the entire life of the insured. Whole Life accumulates cash value over time while Universal Life can be setup to have cash values or no cash values. Right now, a version of Universal Life that offers level premiums and coverage for life with no cash value is very popular with life insurance buyers.

    "Final Expense" insurance is a popular form of whole life coverage that is sold in amounts up to $25,000. This kind of policy is designed to pay for burial and other final expenses. Final Expense coverage typically does not require medical underwriting; some policies require medical questions while others have no medical questions and are known as guaranteed-issue.

  • What is the difference between "guaranteed issue" and "accidental death" insurance?
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  • 'Guaranteed Issue' means there are no health questions or exams to obtain a policy.

    'Accidental Death' is a type of life insurance that pays only if you die as a direct result of an accident.

  • What are the differences between life insurance companies? Why are some less expensive than others?
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  • Life insurers compete through underwriting strategies based on factors related to the health and lifestyle of applicants.

    So, a customer with certain characteristics might find that one company to be the least expensive option, while another customer with different characteristics would find a different company to be the least expensive.

  • What does "waiver of premium" mean?
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  • Waiver of premium means that, if you are unable to pay your premiums due to permanent or total disability, the premiums are waived for a certain period of time. Each company has their own standards for waiver of premium.

  • I have employer-paid life insurance at work. Why should I buy a personal life insurance policy?
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  • Today, 108 million Americans are covered under employer-provided life insurance vs. 102 million who own personal life insurance policies. What's wrong with this picture?

    Take a look at 4 major pitfalls of relying upon employer-provided life insurance include:

    • Dangerous Underinsurance. Most employer life insurance plans provide 1 or 2 times a person's annual salary in benefit, yet most financial planners recommend a minimum of 10x your earnings in life insurance coverage. Leaving your loved ones with only one year of earnings seems almost cruel.
    • No Portability. If you leave your job, as most people do at some point, your life insurance melts away and stays with your former employer. In most cases you cannot take it with you or convert the group policy to an individual policy.
    • Lack of Convertibility. The ability to convert a personal term insurance policy into a permanent life insurance policy without medical exam or medical questions is a Godsend for insureds who become ill and uninsurable on the open market. Convertibility is a key feature of term life insurance and may not exist at all in an employer-provided life insurance policy.
    • Loss of Control. An employer-provided life insurance policy is just that i.e. it's owned and controlled by your employer and can be taken away or modified at any time. You can choose your beneficiary but that's about it.
Applying for coverage
  • Should I get coverage for my spouse if he or she is not working outside the home?
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  • Yes, in almost all cases. A non-working might not produce income, but he or she should die, there will often be a need to pay for childcare, funeral arrangements, and other final expenses. Typically, a non-working spouse can purchase 50%-100% of the life insurance benefit of a working spouse, but underwriting rules vary by company.

  • Am I eligible for life insurance even if I'm a homemaker?
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  • Yes, you are eligible for coverage. Please review the illustrated acceptance guidelines after you complete your profile.

  • Should I get life insurance for my children?
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  • There are several reasons to consider buying life insurance for your children.

    First, while the mortality rate for children is low, you'll want to have money for final expenses should they tragically fall victim to an illness or accident.

    On the brighter side, policies for children are often whole life policies that build cash value, which can later be accessed for college or given as a gift when they become adults. Some child policies allow coverage to be increased without proof of insurability.

    You may find it convenient to add a child "rider" to your own policy when you apply for coverage. All eligible children can generally be covered for one price.

  • Can I purchase life insurance on my parent?
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  • Sure, as long as these conditions are met:

    • The proposed insured is made aware of the purchase;
    • He or she can read English and has the mental capacity to understand what is being transacted; and
    • He or she knowingly signs the application.

  • I've had some health issues. Can I still get life insurance?
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  • Yes, we have something for everyone, regardless of your health history. Just go to www.lifequotes.com and click 'View Quotes Now' to get quotes tailored to your specific situation.

  • How do I apply for a policy?
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  • You've already taken the first step by coming to www.LifeQuotes.com.

    Click "View Quotes Now," start your application, and click for a price comparison among our 50 different companies. You can complete your application online or call us to speak to one of our licensed agents.

    Once you've completed the application you'll be assigned to a LifeQuotes employee who will assist you.

    You've already taken the first step by coming to LifeQuotes. We have a simple three step process to start an application right here on the website. Generate a quote, choose a plan and then start an application. You can get a quote and complete your application by going online to www.lifequotes.com. Click 'View Quotes Now' to get a price comparison of our 50 different companies. You can apply online or call us to speak to one of our licensed agents. Once you've completed the application you'll be assigned to a LifeQuotes employee who will help and guide you through the process.

  • Do I have to take a medical exam?
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  • Not necessarily. We have many no-exam options available for those who don't have the time or don't want to take a medical exam.

  • Do I need to provide my medical information?
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  • Yes. All life insurers underwrite coverage based upon an applicant's health history; most will require access to your health records.

  • Will being pregnant make a difference in my application for insurance?
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  • Yes. Some companies may not offer coverage until you have given birth.

    Of those companies that might cover you, you need to know that:

    • Your quote will reflect your weight when you apply, and
    • Pregnancy can affect your lab results, resulting in a higher price.

    Please contact us if you are pregnant, and we will review your options.

  • The application asks me for a driver's license number, and I don't have one. What do I do?
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  • It's okay to enter "N/A" (Not Applicable).

  • Can I complete a "no exam" application for someone else?
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  • No, the person seeking coverage must complete the application himself or herself. This can be done online or over the phone with an agent.

  • How can I apply online for someone from out of state?
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  • Generally, you shouldn't.

    Every applicant should complete his or her own application because:

    • Insurers require responses in the first person;
    • The application becomes a permanent part of the policy; and
    • Answers are considered to be warranties of accuracy.

    Only under rare circumstances can one person buy life insurance on another. Even then, the insured person must be available to answer questions.

  • Can I list anyone I want as the beneficiary?
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  • A beneficiary must have an insurable interest in your life.

    That is, a beneficiary must be someone who would be negatively impacted financially in the event of your passing. This includes, but is not necessarily limited to, your spouse, child, or other family member who is financially dependent on you.

  • I don't see where to add a contingent beneficiary.
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  • Once a policy is issued, a policyholder can, at any time, establish or change contingent beneficiaries, who are paid only if primary beneficiaries are not living at the time of an insured's death.

    This online application does not have a contingent beneficiary section; the paper version does. We advise that you complete the application and submit to underwriting. Once the policy is issued, we can provide a beneficiary change form.

  • Do I have to get two separate policies if I want both my boy/girlfriend and children as beneficiaries?
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  • Most companies will allow you to do this either with one policy or two. It's entirely your choice.

    Since life insurance pricing is a bit like buying in bulk, you may save money by purchasing more coverage under one policy and splitting the death benefit among the different beneficiaries.

  • Can I get the price listed on the flyer I got through the mail?
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  • Yes, the sample rates shown in our ads are real and available to applicants who have no ratable health or lifestyle issues. Prices are based on age, gender, health, and lifestyle details.

  • I want to complete an application.† How do I choose a company?
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  • We provide as many options as possible, but all of our carriers are very highly rated with A.M. Best, Standard and Poor's, and other rating agencies. Any one you choose will have an excellent reputation.

    Most people choose the company that costs them the least, but the choice is entirely up to you.

Awaiting approval
  • How long does it take to get new life insurance?
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  • It varies from company to company, but rarely more than 30 days.

    Some companies that do not require paramed exams can issue policies immediately for healthy individuals seeking less than $500,000 in coverage. Also, most life insurers provide coverage during the underwriting period, as soon as an application is signed.

    It can take longer than 30 days for final approval if medical information must be obtained from several sources.

  • Do I have coverage while I am waiting for my policy?
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  • Generally, yes.

    Most companies offer a Temporary Insurance Agreement (TIA) or Conditional Coverage. If you choose to apply for the TIA/Conditional Coverage, are eligible for the coverage, and remit payment with your application, you can be covered during the underwriting process.

    Some of the no-exam or instant-decision products do not offer this feature. In that case, our application will have details of the terms and conditions of any temporary coverage.

  • What is an "initial rate guarantee period" on a term life policy, and what happens when it ends?
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  • When you purchase a tem life policy, your premium will typically be guaranteed for a defined period of time. When that period ends, a policyholder typically has these options:

    • To let the policy lapse;
    • To continue the coverage for a higher premium;
    • To continue paying the same premium for less coverage; or
    • To convert the policy into a permanent policy.

    Most importantly, the last three options can often be exercised with no medical exam. Given that, we advise that you consult a reliable life insurance agent. Never allow your coverage to lapse without doing so.

  • Once I'm approved, will the insurance company immediately draft the premium, or will I be notified first?
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  • If approved at the rate you applied for, you can expect a draft to be made immediately against your account.

    If the price is going to be different from what you applied for, the insurance company cannot draft. LifeQuotes will then notify you of the new price and discuss your options.

  • Will the price change from the quote that I see on your website?
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  • To get a policy issued at a requested price, make sure you meet the 'Acceptance Guidelines' on our illustration. The insurance underwriters will then review your file and make the final determination regarding price.

    Once a policy is issued, the prices cannot change during the initial rate guarantee period.

The role and value of LifeQuotes
  • Why should I buy through LifeQuotes?
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  • With something as important as life insurance, you need an advocate working for you. That's what you get with our 32 years of experience under the same management, 90 insurance professionals, and 330,000 sales.

    Whether you need $5,000 or a $25 million in coverage, we have the expertise to give you sound, unbiased so you can have peace of mind. We have held an A+ rating with the Better Business Bureau (BBB) for over 10 years.

  • What companies does LifeQuotes represent?
  • We represent 50 leading life insurance companies, far more than most insurance agencies. Our selection ensures that you will pay the least amount of money for a life insurance that best meets your needs.

    Our carriers include:

    • American General Life (AIG)
    • Banner Life
    • Gerber Life
    • John Hancock
    • MetLife
    • Mutual of Omaha
    • Pacific Mutual
    • Protective Life
    • Prudential Life
    • Transamerica Life
    • William Penn
    • and many more.

  • How can I find quotes for life insurance?
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  • For personalized quotes, go to www.lifequotes.com, and click 'View Quotes Now'.

    You will be asked to provide your height, weight, and age, then asked some questions regarding your smoking, health, and lifestyle. Please answer all questions, and you will be able to view all available quotes. You can even complete the application online.

  • Can I apply directly to the company for coverage?
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  • The 50 companies available through LifeQuotes sell through independent agents. Very few of them sell directly to consumers.

  • I would prefer to complete an application with an agent over the phone.
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  • Please call 1-800-324-6370.

  • How do I apply for me and my spouse? Would it be better to go to the insurance company directly, or apply online at www.lifequotes.com?
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  • There are important benefits to applying online or by phone with LifeQuotes.

    First, many of our companies do not sell directly to consumers. By using us, you are able to compare many different companies and plans, to ensure you are getting the best option you. If you go directly to an insurer, it may only have one or a few plans to offer.

    Secondly, our experienced support staff can help you through the process, answering your questions and alerting you to important considerations you may not be aware of.

  • Where on the website can I see "return of premium" plans?
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  • Return of premium plans are listed at the bottom of each term policy option. Each plan will have 'Return of Premium' or 'ROP' in their plan title.

  • Where can I see the whole life plans?
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  • We automatically provide whole life quotes on all requests. When you get to the screen that displays quotes, see the quotes under the tab called, 'LifeTime Plans'.

  • Do you have a term life policy that allows me and my spouse to be fully insured on the same policy?
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  • No, you and your spouse would have to apply for separate term policies for each of you to receive the full amount of coverage. Some policies offer 'spousal coverage' riders but those riders are often for small amounts of coverage.

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