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 Oct. 21, 2019
Professional, efficient and very courteous!

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

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

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

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

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

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

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

- David M., Camano Island, WA
 Oct. 20, 2019
Aaron’s 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
 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
 Oct. 19, 2019
Pleasant and professional

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

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

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

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

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

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

- Louis M., Amherst, NY
 Oct. 18, 2019
David was super patient with my muffled phone (my apologies), and my monotone tude I had! It’s a sick day for me so I wasn’t in th...

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

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

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

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

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

- Joan S., Olean, NY
 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
 Oct. 18, 2019
I appreciate him providing f/u call. As well, he was kind & informative. Great customer service!!

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

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

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

- Dina D., Bronx, NY
 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
 Oct. 17, 2019
Very helpful.

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

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

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

- Farhat K., E Brunswick, NJ
 Oct. 17, 2019
She’s a rockstar

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

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

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

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

- Maria M., Irving, TX
 Oct. 17, 2019
Monika Barnes was excellent

- Chukwuemeka O., Tampa, FL
 Oct. 17, 2019
Maria was very helpful and professional gave me everything I needed and I appreciate it very much!,

- Thomas W., Plainfield, IL
 Oct. 17, 2019
Cynthia was very informative, helpful and easy to talk to about different options on life insurance.

- Janet M., Colorado Springs, CO
 Oct. 16, 2019
Great customer service!

- Nilson M., Imperial, CA
 Oct. 16, 2019
Excellent service!

- Karen R., Madison, WI
 Oct. 16, 2019
Informative, explained well, no hurry,

- Ahmad Z., Bakersfield, CA
 Oct. 16, 2019
Very informative and took the time to make sure I understood the questions and procedure required of me for the policy that I was ...

- Thomas M., Nacogdoches, TX
 Oct. 16, 2019
Very kind and helpful

- Deanna R., Pensacola, FL
 Oct. 16, 2019
Joan was helpful and kind.

- Jason H., Caldwell, NJ
 Oct. 16, 2019
Great follow up

- Sandra P., Oakley, CA
 Oct. 16, 2019
Great follow up

- Richard P., Oakley, CA
 Oct. 16, 2019
I enjoyed working with Denise, she was very professional and polite. And always returned my phone calls. Give her a raise

- Susan D., West Linn, OR
 Oct. 16, 2019
Sincere and very helpful

- Kevin N., Mount Pleasant, SC
 Oct. 15, 2019
Very professional

- Richard S., Plainview, NY
 Oct. 15, 2019
She has very helpful thxs

- Bobby L., Wasilla, AK
 Oct. 14, 2019
He is very helpful and responsive.

- Kai Ming F., Austin, TX
 Oct. 14, 2019
Great

- Kurt M., Leesburg, VA
 Oct. 14, 2019
Hello Judy Dieffinbach was very helpful and to the point. Great employee! Thank you. David Iler Repeat customer...

- David I., PORTLAND, OR
 Oct. 14, 2019
Snezana Dzananovic has been very prompt and clear throughout the entire process. I appreciate her accuracy of information and atte...

- Christopher C., Menifee, CA
 Oct. 14, 2019
He was very knowledgeable & helpful in starting my application.

- Elsy M., Glendale, CA
 Oct. 14, 2019
Wonderful

- Michael J., Eastampton, NJ
 Oct. 14, 2019
Very courteous and professional.

- Elizabeth C., N Brunswick, NJ
 Oct. 14, 2019
She did a good job

- David F., Aztec, NM
 Oct. 14, 2019
Deya was very professional and thorough. She was able to explain everything clearly.

- Christopher A., Plantsville, CT
 Oct. 14, 2019
He was polite and very professional, he had extreme patience to my questions and offered a great customer service.

- Gabriela A., Blue Ridge, TX
 Oct. 14, 2019
Abigail Whitten does a great job!

- David T., Ben Wheeler, TX
 Oct. 14, 2019
Paul was pleasant, efficient, and provided great service in finding the life insurance that was suitable for myself and children

- Joshalyn B., Richmond, CA
 Oct. 14, 2019
Michael was very professional and knowledgeable. Made the application process very pleasant.

- Jared C., Sylva, NC
 Oct. 14, 2019
Very helpful!!

- Christian W., Atlanta, GA
 Oct. 14, 2019
Great customer service

- Wayne T., Cottontown, TN
 Oct. 13, 2019
She was excellent

- Nicholas F., Olive Branch, TN
 Oct. 13, 2019
So satisfied with service, have not made a decision yet Thank-you

- Charles H., Buena Vista, CO
 Oct. 13, 2019
Ed gave us excellent customer service. Thank you

- Alexander W., Corvallis, OR
 Oct. 12, 2019
very helpful answered all my questions a pleasure dealing with her

- Rodney W., Lone Grove, OK
 Oct. 12, 2019
Maria, Thanks very much for your professional and excellent service. Very well done. Sincerely, Shirley

- Shirley P., San Antonio, TX
 Oct. 12, 2019
Excellent service

- Wesley T., Los Angeles, CA
 Oct. 11, 2019
Very hospitable

- Lane B., Texarkana, TX
 Oct. 11, 2019
Paul was great. Thank you.

- Debra B., Murfreesboro, TN
 Oct. 11, 2019
He is was very informative

- Tammy J., Weehawken, NJ
 Oct. 11, 2019
He was very helpful.

- Glen C., Orange Park, FL
 Oct. 11, 2019
Cynthia was very concise yet articulate in the information I asked for. Of course a pleasant person to deal with. Please hire more...

- Raffi K., Sudbury, MA
 Oct. 11, 2019
Appreciate the call back and he was available to schedule an appointment at a later date.

- Richard S., Mount Vernon, IL
 Oct. 11, 2019
He's was very helpful and knowledgeable

- Kirkpatrick Y., Riviera Beach, FL
 Oct. 11, 2019
Very detailed about what going on with your policy

- Kaniyah R., Eatonton, GA
 Oct. 11, 2019
Great agent

- Jamarcus R., Eatonton, GA
 Oct. 11, 2019
Very thorough with his questions.

- Anthony M., Charlotte, NC
 Oct. 11, 2019
Kevin was professional and was very helpful in helping me understand the application process.

- Marvetta G., ELIZABETH CTY, NC
 Oct. 10, 2019
Always professional. Very kind.

- Sonia C., Atlanta, GA
 Oct. 10, 2019
courteous and always responds to questions on a timely basis. gets the job done.

- Carol A., Cupertino, CA
 Oct. 10, 2019
Brittney was very cordial, polite, and knowledgeable. She made sure I understood all the questions and was very patient She made a...

- Salvatore P., Anacortes, WA
 Oct. 10, 2019
thank you

- Emily P., Clifton, NJ
 Oct. 10, 2019
Brandon was very pleasant to work with.

- Tunwa Y., Chicago, IL
 Oct. 10, 2019
Brandon was friendly and helpful. He answered all of my questions.

- Michelle Y., Chicago, IL
 Oct. 10, 2019
Hey was great!

- James S., La Mesa, CA
 Oct. 10, 2019
Chris was so nice to help me understand the process and all the questions. Thanks for ALL your help. Penny Chandler

- Penny C., Midland, NC
 Oct. 10, 2019
Good costumer service

- Tariku A., Des Moines, WA
 Oct. 10, 2019
Very professional

- Peter V., North Windham, CT
 Oct. 10, 2019
He was great. thanks!

- Paul V., New York, NY
 Oct. 10, 2019
Ed is an efficient representative. He clearly explained the process of what to expect for a fundamentally necessary policy to hold...

- Mariam W., Covington, LA
 Oct. 10, 2019
Very professional and always returns call. Thank you.

- Margaretta A., Absecon, NJ
 Oct. 10, 2019
She helped me out patiently.. Good service ... Thsnk you

- Anant P., Iselin, NJ
 Oct. 10, 2019
he was knowledgeable, professional, and sincere,

- Michael C., Batesville, AR
 Oct. 10, 2019
I love working with Cynthia. I really feel like she is taking care of me.

- Paula S., Bellevue, WA
 Oct. 09, 2019
Very helpful and friendly

- Laura T., Mastic, NY
 Oct. 09, 2019
Chile was efficient, knowledgeable and a pleasure to speak with.

- Jakara P., Sanford, FL
 Oct. 09, 2019
Jordan is very professional, knowledgeable of policies, etc.and friendly. Look forward to getting a policy down soon. Deb kudla

- Deborah K., Whiting, IN
 Oct. 09, 2019
Fast and efficient

- Ivan E., Oklahoma City, OK
 Oct. 09, 2019
A great help

- Charles A., Toledo, OH
 Oct. 09, 2019
was very helpful

- Steve M., Waterloo, IL
 Oct. 09, 2019
Excellent service

- Predrag M., Town Center, NJ
 Oct. 09, 2019
Very helpful and polite

- James S., Mount Zion, IL
 Oct. 09, 2019
Very nice, professional person

- Allen M., Katy, TX
 Oct. 09, 2019
Very Professional

- Daphne P., Shelby, NC
 Oct. 09, 2019
Richard was very quick to answer my questions!

- Louis M., Amherst, NY
 Oct. 08, 2019
Griffin returned my call expeditiously and was very helpful by clearly presenting all my options.

- Michael T., Vadnais Hts, MN
 Oct. 08, 2019
Joan is always patient and helpful

- Clifford P., Leesburg, FL
 Oct. 08, 2019
Very knowledgeable and patient. Answered all my questions.

- Jodie H., Clarksburg, MD
 Oct. 08, 2019
She is very helpful and knowledgeable on products for term insurance. I like to refer her name to all my friends

- Ganesh B., Orlando, FL
 Oct. 08, 2019
Maria was awesome. She answered all my questions, returned emails, and provided the information I requested. Unfortunately, no car...

- Michael C., Loranger, LA
 Oct. 08, 2019
Great 👍 customers service

- Sirginho W., Baltimore, DC
 Oct. 08, 2019
He was good .

- Mohamed C., Madison, WI
 Oct. 08, 2019
I WAS HAPPY WITH THE INTERVIEW

- Ann B., Mechanicsville, MD
 Oct. 08, 2019
great service

- Judy W., Miramar Beach, FL
 Oct. 07, 2019
The representative was very kind and knowledgeable. He answered all my questions.

- Pedro P., Glen Cove, NY
 Oct. 07, 2019
N/A

- Sandy R., Lynbrook, NY
 Oct. 07, 2019
Very polite and helpful.

- Alan B., Indianapolis, IN
 Oct. 07, 2019
He was very helpful! Thank you

- John M., Denver, CO
 Oct. 07, 2019
Thank you

- Sandra P., Oakley, CA
 Oct. 07, 2019
Thank you

- Richard P., Oakley, CA
 Oct. 07, 2019
Hes very knowledgeable and easy to talk to. A great guy

- Sir Douglass G., Arvada, CO
 Oct. 07, 2019
I had a great experience today with Kevin he provided me With so much needed information I will be continuing my application due t...

- Clarence B., North Las Vegas, NV
 Oct. 07, 2019
I really appreciated her help!

- Lisa S., Council Bluffs, CA
 Oct. 07, 2019
He took his time and explained everything to me. He answered all my questions.

- Jace B., Spring Lake, NC
 Oct. 07, 2019
Very professional

- Richard C., Lecanto, FL
 Oct. 07, 2019
i love it. thank you

- Duso N., San Jose, CA
 Oct. 06, 2019
Great customer service

- Christina T., San Juan, TX
 Oct. 06, 2019
Great customer service

- Robert S., San Juan, TX
 Oct. 06, 2019
Larry was excellent and great customer service!

- Brandi K., Atlanta, GA
 Oct. 05, 2019
Well informed n polite , patience as well thank you, hope to really work with your company for our family's life need.

- Exequiel S., Earlimart, CA
 Oct. 05, 2019
The best service

- Peter M., Angola, NY
 Oct. 05, 2019
Excellent

- Sivakumar S., Wheeling, IL
 Oct. 04, 2019
Very informative,he was very polite

- Toni L., Rochester, NY
 Oct. 04, 2019
Great service!

- Garrett W., Henderson, NV
 Oct. 04, 2019
She is great,attentive and not a pushy saleperson like many out there.

- Eric M., Dayton, OH
 Oct. 04, 2019
Professional demeanor, cordial, thoroughly explained options. Was a pleasure speaking with her!

- William M., Altmar, NY
 Oct. 04, 2019
Good service

- Atef H., Winston Salem, NC
 Oct. 04, 2019
She was great!

- Carl G., Spring, TX
 Oct. 04, 2019
She was very helpful

- Mark S., Layton, UT
 Oct. 04, 2019
Professional service.

- Milton R., San Antonio, TX
 Oct. 04, 2019
My issues were efficiently taken care of.

- Thomas C., Moorestown, NJ
 Oct. 04, 2019
He was very nice

- Marie H., Howell, MI
 Oct. 04, 2019
Very helpful every timr

- RaNiya R., Country Club Hills, IL
 Oct. 03, 2019
I will refer him in second

- David J., Palm Coast, FL
 Oct. 03, 2019
She is an immaculate representative

- Miesha S., CONYERS, GA
 Oct. 03, 2019
Thank you

- Paul G., Ansonia, CT
 Oct. 03, 2019
Thank you

- Donna G., Ansonia, CT
 Oct. 03, 2019
Kept me current and appraised of the application process and explained all of my options.

- Tandy M., Forest, VA
 Oct. 03, 2019
Very polite and knowledgeable

- Kierra H., Greensboro, NC
 Oct. 03, 2019
Was very polite and professional

- Keyonna H., Greensboro, NC
 Oct. 03, 2019
He take time to explain every detail of the information. Good customer services. Thank you!

- Nathan T., Howe, TX
 Oct. 03, 2019
great customer service

- Nataly G., Sterling, VA
 Oct. 03, 2019
He was very professional and very knowledgeable.

- Luis O., Hope Mills, NC
 Oct. 03, 2019
I really appreciated the fact that when I call the "800" number, Mike answered the phone saving me the incredible pain of clicking...

- Kathy W., La Verne, CA
 Oct. 03, 2019
Pleasure to speak too

- Jayline S., Torrance, CA
 Oct. 03, 2019
Very professional with a awesome bedside manner!

- Charles C., Valencia, PA
 Oct. 02, 2019
He was exceptionally helpful and patient. Great attitude and customer service

- Oscar D., Weatherford, TX
 Oct. 02, 2019
She was very knowledgeable and friendly.

- Moises R., Jacksonville, FL
 Oct. 02, 2019
Thanks for all your help!

- Connie M., McKinney, TX
 Oct. 02, 2019
great guy! really gave me great information. I will be calling him back soon to purchase insurance!

- Sasha Y., Penn Valley, CA
 Oct. 02, 2019
Kevin was courteous and knowledgeable. He was very helpful this morning when I was looking into quotes.

- Cindi S., Rancho Cucamonga, CA
 Oct. 02, 2019
He was helpful and great.

- Oded D., Austin, TX
 Oct. 02, 2019
Th person I spoke to was professional and friendly. He gave me a quote very quickly which I appreciated.

- Linda W., Vancouver, WA
 Oct. 02, 2019
yall take too long to enroll customers

- Quincy J., New Orleans, LA
 Oct. 02, 2019
PERFECT

- Teri P., Gardner, KS
 Oct. 02, 2019
Very sweet and professional.

- Stayton S., Melbourne, FL
 Oct. 02, 2019
informative and polite.

- Eric A., Wallkill, NY
 Oct. 02, 2019
Excellent

- Rogers F., Bolling Afb, DC
 Oct. 01, 2019
Richard made the process easy, was clear, and found the right policy to fit my needs! Thanks!

- Louis M., Amherst, NY
 Oct. 01, 2019
Very informative

- Danielle L., Apollo Beach, FL
 Oct. 01, 2019
Great job!

- Jemia J., Hopkins, SC
 Oct. 01, 2019
The rep was personable and attentive. I will reply if I decide to go with his recommendation.

- Carolyn W., Lawnside, NJ
 Oct. 01, 2019
very nice

- Suzette P., Rodessa, LA
 Oct. 01, 2019
Robert was patient and very measured while providing me the necessary information to assess the options.

- Carlos M., Smyrna, GA
 Oct. 01, 2019
He was very helpful in explaining everything about the policy and how everything works. Appreciated all the help

- Andrew H., Braman, OK
 Oct. 01, 2019
Kevin Novak has been excellent throughout the process.

- Randell P., Brooklyn, NY
 Oct. 01, 2019
Very helpful!

- Larry M., Colorado Springs, CO
 Oct. 01, 2019
She was great, patient and knowledgeable

- Ve'Etta P., Dallas, TX
 Oct. 01, 2019
Fast service and polite

- Bret S., Pearland, TX
 Oct. 01, 2019
Larry was very clear, helpful and kind.

- Catherine M., Austin, TX
 Oct. 01, 2019
It's always a pleasure to work with Cynthia

- Paula S., Bellevue, WA
 Oct. 01, 2019
He answered all my questions and was very helpful.

- Sue P., Kinston, NC
 Sep. 30, 2019
Very knowledgeable and professional thank you.

- Jacob M., Mount Prospect, IL
 Sep. 30, 2019
Griffin was exceptional on all accounts. He seemed genuine in getting us the coverage that best suited my wife and I. He has our h...

- Michael K., Burbank, CA
 Sep. 30, 2019
Griffin was exceptional. Life insurance is a new world to my wife and I and Griffin fully explained our options. He was friendly a...

- Cara K., Burbank, CA
 Sep. 30, 2019
Chris was so nice. He was so kind to call me back. I had to take a call from my supervisor. He was very professional and not pus...

- Penny C., Midland, NC
 Sep. 30, 2019
Cynthia was personable yet knowledgeable and was competent enough to answer my questions.

- Jason J., Valparaiso, IN
 Sep. 30, 2019
Brandon is very helpful and has been a blessing to us. We will be talking with him after the beginning of the year

- Bryan B., Melbourne, FL
 Sep. 30, 2019
She was great

- Kyle B., Phoenix, AZ
 Sep. 30, 2019
He was very polite and helpful.

- Florence F., Jersey City, NJ
 Sep. 30, 2019
Ms. Rodriguez is great and deserves a raise!

- Malcolm H., Florence, MA
 Sep. 30, 2019
good

- Cheyne A., San Ramon, CA
 Sep. 30, 2019
She was goodreally helpful thank you for your help

- Maryory M., West Palm Beach, FL
 Sep. 30, 2019
Super nice associate a pleasure to speak with.

- Andrea L., Largo, FL
 Sep. 29, 2019
David was excellent. Answered all my questions. Gave me multiple options to look at and compare. No pressure sales. Will definitel...

- Karin R., Casper, WY
 Sep. 29, 2019
Very knowledgeable

- Shantyl B., Randallstown, MD
 Sep. 29, 2019
He answered all of my questions with excellent knowledge about the insurance I was seeking

- Francis B., Gibson, LA
 Sep. 28, 2019
Ed followed up numerous times and made sure that the process was explained to my satisfaction and that all appointments were hassl...

- David P., Doylestown, PA
 Sep. 28, 2019
Excellent ! Paul Funk is very helpful and always giving us important info that we needed to know

- Maria D., Fontana, CA
 Sep. 28, 2019
Excellent! Paul Funk is very helpful and giving us important information we needed to know.

- Brian D., Fontana, CA
 Sep. 28, 2019
Kirsten was very easy to talk to, very polite, personable, and professional. She did a great job!

- Jessica H., Gulf Breeze, FL
 Sep. 27, 2019
He was very nice and not pushy or annoying. No pressure and explained the different policies and options. It did not take an hour ...

- Philip A., El Paso, TX
 Sep. 27, 2019
Good follow up

- Jean F., Ridgeland, MS
 Sep. 27, 2019
Richard did a great job helping me out, as always.

- Sondra T., Indianapolis, IN
 Sep. 27, 2019
Richard is very polite and helpful. It is a pleasure doing business with him.

- Alan B., Indianapolis, IN
 Sep. 27, 2019
It was great customer service very friendly& Pleasant !

- Kimberly J., Cincinnati, OH
 Sep. 27, 2019
Very thorough explanations and took the time to answer all questions.

- Garrett W., Henderson, NV
 Sep. 27, 2019
Excellent customer service and product knowledge.

- Lenora J., Arlington, VA
 Sep. 27, 2019
Excellent and very polite

- Donna R., Haverhill, MA
 Sep. 27, 2019
Thank You

- Erik H., Tuscumbia, AL
 Sep. 27, 2019
excellent

- Michael P., Ocala, FL
 Sep. 27, 2019
Kevin was very professional and informative - Thank you for the great help!

- David S., Evergreen, CO
 Sep. 27, 2019
Mike was informative and very professional

- Peter M., Holliston, MA
 Sep. 26, 2019
He was truly awesome

- Brandon G., Gonzales, LA
 Sep. 26, 2019
Same as my previous comments.

- Steven G., Cedar City, UT
 Sep. 26, 2019
I was very pleased to know that he was beneficial with the assist of getting my life insurance processed efficiently. Thank you!

- Felissa M., Evansville, IN
 Sep. 26, 2019
Nice follow up after we lost touch due to my job. Thanks

- Richard M., Sagle, ID
 Sep. 26, 2019
He helped with me everything I needed

- Michael E., Portsmouth, VA
 Sep. 26, 2019
Paul Funk was professional, courteous and extremely helpful. We appreciate his expertise.

- Stephen K., Wilsonville, OR
 Sep. 26, 2019
Awesome!!

- Rosa J., Tacoma, WA
 Sep. 26, 2019
Very good and thorough!

- Lawrence M., Parkland, WA
 Sep. 26, 2019
You guys really are awesome. In a sea of life insurance providers that is full of those that are less than scrupulous, it is refr...

- April G., Cedar City, UT
 Sep. 26, 2019
She was very helpful

- Maria S., East Taunton, MA
 Sep. 26, 2019
Erin Bogs has been helpful each time we speak.

- Claire B., New Orleans, LA
 Sep. 26, 2019
Joan was very professional and helpful.

- Patrick F., Midland, TX
 Sep. 26, 2019
excellent

- Ramon N., Brooklyn, NY
 Sep. 26, 2019
Very patient, professional and easy to understand

- Nascina R., Rancho Mission Viejo, CA
 Sep. 25, 2019
It was easy and straight forward.

- Patrick H., Wimberley, TX
 Sep. 25, 2019
This has been an excellent and easy process to purchase insurance. I have referred Life Quotes to my family and friends. Thank you...

- Randy J., North Charleston, SC
 Sep. 25, 2019
Great service!

- Maureen H., Cambria, CA
 Sep. 25, 2019
Kirsten was a pleasure to deal with.

- Jeffrey B., Pearland, TX
 Sep. 25, 2019
She was amazing.

- Anastasia B., Pearland, TX
 Sep. 25, 2019
Jay is always a pleasure to speak with. He is well prepared and answers every question thoroughly. He is friendly, efficient, an...

- James F., Ellenton, FL
 Sep. 25, 2019
very understanding lady

- Joan S., Olean, NY
 Sep. 25, 2019
Rich was very informative. He is quite knowledgeable and patient.

- Maybelline M., New York, NY
 Sep. 25, 2019
great service

- Noreen D., Queensbury, NY
 Sep. 24, 2019
Mike was very helpful. Even when my dad had major doubts and reservations about certain things, mike was able to explain as best a...

- Louis W., Los Angeles, CA
 Sep. 24, 2019
Excellent

- Anthony W., Baltimore, MD
 Sep. 24, 2019
Stev is really helping me get the best quote and service

- Alexandre P., Union, NJ
 Sep. 24, 2019
Very courteous and provided excellent service.

- Junior S., Apopka, FL
 Sep. 24, 2019
She answered all of my questions she was very informative

- Marie P., West Park, FL
 Sep. 24, 2019
He was polite and explained the different options with different companies. Thanks !

- Rajesh D., Lansing, MI
 Sep. 24, 2019
Couldn’t change what happened but was very sincere

- David W., Buckhorn, KY
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
  • How much life insurance do I need?
    An arrow indicating this section can be expanded
  • 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 Advice, 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 advice 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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