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

 Sep. 17, 2019
very patient, friendly, polite, listens and solves all the questions

- Nascina R., Rancho Mission Viejo, CA
 Sep. 16, 2019
Jeff Hasen did an excellent job.

- David C., Brookeland, TX
 Sep. 16, 2019
She was knowledgeable and professional

- Vincent V., Bradenton, FL
 Sep. 16, 2019
Very helpful

- Vijai Krishna Prakash M., Norwood, MA
 Sep. 16, 2019
She was very helpful in talking me through the quite.

- Glenn H., Lemont, IL
 Sep. 16, 2019
helpful

- Steven K., Briarwood, KY
 Sep. 16, 2019
very helpful

- Tamara K., Briarwood, KY
 Sep. 16, 2019
He got all the particulars, was concise, was cordial. We will see what happens with my request.

- John R., CHICAGO, IL
 Sep. 16, 2019
He was helpful and knowledgeable

- Jed T., Bay Shore, NY
 Sep. 16, 2019
Excelente servicio

- Jose C., New york, NY
 Sep. 15, 2019
Jordan was very professional and helpful.

- Harrison T., Glen Mills, PA
 Sep. 15, 2019
Help me in every way

- Martin A., Morris, IL
 Sep. 15, 2019
Good

- Danny P., Perth amboy, NJ
 Sep. 15, 2019
Very nice and answered all my questions

- Veronica M., Savannah, GA
 Sep. 15, 2019
Covered the policy application process thoroughly

- James P., Hamburg, NY
 Sep. 14, 2019
still waiting for quotes thanks

- Vernon B., Scappoose, OR
 Sep. 14, 2019
Great help

- David G., Seattle, WA
 Sep. 13, 2019
You guys are very good thank you so much for your support.

- Yamah K., Indianapolis, IN
 Sep. 13, 2019
Paul was patient and answered all my questions. He is very knowledgeable.

- Haywood T., Honolulu, HI
 Sep. 13, 2019
Prompt reply!

- Kristin R., Meridian, ID
 Sep. 13, 2019
Knowledgeable, cared about my problem and resolved it quickly

- Gregory S., Tucson, AZ
 Sep. 13, 2019
Michael is the absolute best! He is very patient and thorough with explaining and answering questions. Best customer service that ...

- Solomon O., Dallas, TX
 Sep. 13, 2019
Service was excellent! Very pleasant and it didn't take long to do the insurance policy.

- Lauren L., Stockbridge, GA
 Sep. 13, 2019
Mr. Meek answered all my questions!

- Denicia P., Chester, VA
 Sep. 13, 2019
I've never had a problem when I speak to Nathan. He makes things easy.

- Michael H., Chicago, IL
 Sep. 13, 2019
Wonderful customer service, very pleasant personality. So very helpful

- Andrea T., Manchester, NH
 Sep. 13, 2019
Very nice and efficient! Thank you!

- Sara B., Alexandria, VA
 Sep. 12, 2019
He was very pleasant and made me feel comfortable talking to him. He answered all my questions and also assured me that I was in g...

- Maria W., Brooklyn, NY
 Sep. 12, 2019
Very courteous and professional representative, very knowledgeable and understanding.

- Leonardo A., Concord, CA
 Sep. 12, 2019
Excellent customers service!!

- Steve L., Mount Ephraim, NJ
 Sep. 12, 2019
Jay was able to answer my questions promptly and without delay. I feel that he is professional and dedicated to his work and most ...

- Janice A., Concord, CA
 Sep. 12, 2019
Good service

- Brandy S., Fresno, CA
 Sep. 12, 2019
All good

- Russell J., Rockaway, NJ
 Sep. 12, 2019
He was great answered my questions and understood my needs

- Christina D., Erial, NJ
 Sep. 12, 2019
Sarah is pleasant, helpful, courteous and prompt. I enjoy interacting with her very much. She made the task of procuring our E&O ...

- William W., Santa Ana, CA
 Sep. 12, 2019
He explained all the different type of policies clearly and followed through in contacting me as promised.

- Javier Ann J., Brambleton, VA
 Sep. 12, 2019
Was fast to follow up via phone from my inbound chat request. Qualification call took about 15 minutes and got my quote while I w...

- Andy Z., Gallatin Gateway, MT
 Sep. 12, 2019
He was kind patient and did his best to answer all my questions and meet my need. He did his best to give me the best options avai...

- Ferdinand M., Garland, TX
 Sep. 12, 2019
Paul is very attentive and patient. I feel he went to bat to find me the correct policy

- Cheryl J., High Bridge, NJ
 Sep. 12, 2019
Me. Farley was a pleasure to speak with he was informative, professional and made me FEEL LIKE A VALUABLE customer and this is the...

- Surlisa G., Monroe, GA
 Sep. 12, 2019
Great service !

- Moises R., Jacksonville, FL
 Sep. 12, 2019
She was very helpful and patient.

- Ruth V., Las Vegas, NV
 Sep. 11, 2019
Iím a retired life ins agent with my LUTCF and I would have loved to have him on my team

- David W., Buckhorn, KY
 Sep. 11, 2019
Prompt response

- Kimberly J., Little Rock, AR
 Sep. 11, 2019
Karl Johnson did an excellent job in explaining the type of insurance that would be good for my situation. He was thorough and com...

- Nancy S., Kettering, OH
 Sep. 11, 2019
He took the time to explain everything to me. Iím sure will be talking with him soon to set everything up. Excellent service!

- Bryan B., Melbourne, FL
 Sep. 11, 2019
Excellent Service!

- Mark J., Front Royal, VA
 Sep. 11, 2019
Very friendly and honest.

- Policarpio S., San Diego, CA
 Sep. 11, 2019
Excellent c.ustomer service

- Maryann S., San Diego, CA
 Sep. 11, 2019
I feel very confidant with choosing my insurance plan. Michael was very happy with Michaels help today .

- Barbara C., Hamburg, NY
 Sep. 11, 2019
Paul was great and pleasant to speak to!

- Song H., Garland, TX
 Sep. 11, 2019
Heís awesome

- Jonnie T., Lubbock, TX
 Sep. 11, 2019
She is excellent customer wish her the best

- Richard S., Rochester, NY
 Sep. 11, 2019
Great service, thank you!

- Austin H., Norfolk, VA
 Sep. 11, 2019
.

- Jennifer R., Lincoln Park, NJ
 Sep. 11, 2019
Excellent customer service.

- Yoko C., Houston, TX
 Sep. 10, 2019
She was good

- Robin T., Virginia Bch, VA
 Sep. 10, 2019
Mr. Meeks has been very helpful. I truly Appreciate his dedication to his job

- Sara T., Port Chester, NY
 Sep. 10, 2019
Speak well to understand and walk me tjough few things

- Jason L., Indianapolis, IN
 Sep. 10, 2019
David did a great job and was very helpful

- Barbara R., Forest Heights, MD
 Sep. 10, 2019
very good

- Dan B., Mooresville, NC
 Sep. 10, 2019
100 ( excellent)

- Kevin L., Crawfordville, GA
 Sep. 10, 2019
Griffin was very well spoken and very helpful wish my sales people was like him

- Shannon M., New Orleans, LA
 Sep. 10, 2019
N/A

- Tomiko R., Houston, TX
 Sep. 09, 2019
Chris was very nice to me !!

- Meiby G R., Brick, NJ
 Sep. 09, 2019
He is very knowledgeable about what I asked, & he assisted me with my needs. He also provided me with options as to what I asked f...

- Florence B., Forsyth, GA
 Sep. 09, 2019
Kevin was polite & professional; had 1 remaining question in the application process. Appreciate his quick response to my call.

- Anne I., Arlington Heights, IL
 Sep. 09, 2019
She was great, very helpful.

- Kyle B., Phoenix, AZ
 Sep. 09, 2019
He was very professional and of great assistance! Thanks, Cody

- Shirley D., Nampa, ID
 Sep. 09, 2019
Very Professional

- Daphne P., Shelby, NC
 Sep. 09, 2019
Agent Yesenia Tirado,was very polite and patient, and very kind and understanding and helpful. I was truly happy with the attentio...

- Angel Q., Port Saint Lucie, FL
 Sep. 09, 2019
Kevin was very helpful and kind

- Brenda M., Brooklyn, NY
 Sep. 09, 2019
Brandon was very clear and polite in answering my question very accommodating.

- Nancy V., Myrtle Beach, SC
 Sep. 09, 2019
professional and caring!

- Joe W., Dover, NJ
 Sep. 09, 2019
She was very nice and gave me a lot of information that was helpful.

- Mary T., Pensacola, FL
 Sep. 09, 2019
Great personality Easy to talk to

- Hernan S., Zebulon, NC
 Sep. 09, 2019
very helpful!

- Robert Z., W Bloomfield, MI
 Sep. 09, 2019
Excellent communicator and representative. Kudos!

- Edward L., Pittsburgh, PA
 Sep. 09, 2019
Karl was really helpful on the call

- Franck-Alain C., Aldie, VA
 Sep. 09, 2019
Very understanding of what I needed a true professional

- Chedrick S., South Holland, IL
 Sep. 09, 2019
Cynthia called me and answered all my questions.

- Karen R., Madison, WI
 Sep. 09, 2019
very good

- Ashish P., Pace, FL
 Sep. 09, 2019
excellent experience

- Alan W., Grand Rapids, MI
 Sep. 09, 2019
Wonderful attitude and great listener.

- Ellard L., Garland, TX
 Sep. 09, 2019
xxxxxx

- Bonita H., Olney, MD
 Sep. 09, 2019
Very courteous.

- David W., Great Neck, NY
 Sep. 08, 2019
Made everything clear and understandable. A+ customer service.

- Bobby H., Greenville, TX
 Sep. 08, 2019
Nicest man my husband and I ever talk to only wanted the best possible insurance for us very exceptional and excellent employee

- Charlie N., Siloam, NC
 Sep. 08, 2019
Very good

- Jenny M., Green Acres, FL
 Sep. 08, 2019
Very well

- Julio M., West Palm Beach, FL
 Sep. 08, 2019
Was very calm and patient in answering questions that I had. A++

- Donald M., Cooper ci, FL
 Sep. 08, 2019
Thanks

- Christopher H., Port Saint Lucie, FL
 Sep. 07, 2019
He is a nice agent. He listen to me and make a suggestion.

- Ranulfo M., Carson, CA
 Sep. 07, 2019
Good service

- Pavan V., Clarksburg, MD
 Sep. 07, 2019
Professional

- Lawrence P., Ridge, NY
 Sep. 07, 2019
Professional.

- Sonia C., Atlanta, GA
 Sep. 07, 2019
Jeff Baker was very helpful and explained all options. We had a good conversation and he seemed genuinely concerned that I get th...

- Charles M., Crestview, FL
 Sep. 06, 2019
David is good and well mannered

- Jonamark M., Brooklyn, NY
 Sep. 06, 2019
Thumbs up.

- Christine S., Hemet, CA
 Sep. 06, 2019
Great service and very professional!

- Yahuwdah A., Puyallup, WA
 Sep. 06, 2019
I love Cynthia. She is so helpful in explaining things to me and making sure I understand everything....guiding me every step of ...

- Paula S., Bellevue, WA
 Sep. 06, 2019
Yes, she was and will be very helpful...she gives me a warm fuzzy feeling. Will call her on Monday to start the ball rolling. Than...

- Ricky S., El Paso, TX
 Sep. 06, 2019
Aaron was very thorough and helpful. I appreciated his honesty and professionalism. Pls thank him for his efficient and quick hel...

- Desa L., Chandler, AZ
 Sep. 06, 2019
Excellent service

- Leanne A., Fullerton, CA
 Sep. 06, 2019
He was very professional and courteous

- Moises M., Houston, TX
 Sep. 06, 2019
Great customer, very professional, well spoken

- Glenny R., Woodhaven, NY
 Sep. 06, 2019
Loan is always very professional and customer friendly

- Clifford P., Leesburg, FL
 Sep. 06, 2019
Tamara was great. Super fast to respond to emails and easy friendly, professional and helpful. She did a wonderful job.

- James G., Land O Lakes, FL
 Sep. 06, 2019
He was very good!!!

- Michong M., Dayton, OH
 Sep. 06, 2019
Followed up and knows her stuff

- Patrick F., Midland, TX
 Sep. 05, 2019
Great service!

- Maria Del Carmen F., San Diego, CA
 Sep. 05, 2019
Grifin was very professional kind knowledgeable..he spoke very clearly on the phone. Well mannered and helped me with all my quest...

- Kathy H., Rustburg, VA
 Sep. 05, 2019
wonderful service

- Beverly J., Summit, MS
 Sep. 05, 2019
N/A

- Kimberly S., Melville, NY
 Sep. 04, 2019
he is very helpful

- Kai Ming F., Austin, TX
 Sep. 04, 2019
She was great

- Kenneth C., Leonardtown, MD
 Sep. 04, 2019
Outstanding knowledge of product offering. Great demeanor

- John O., Douglaston, NY
 Sep. 04, 2019
I believe Daniel was ver professional. He had the information I needed when I asked the questions.

- Luis V., Brooklyn, NY
 Sep. 04, 2019
Very nice to visit with. Reviewed numbers on cost and coverage.

- Larry F., Visalia, CA
 Sep. 04, 2019
Very professional and detailed

- Hanh L., MISSOURI CITY, TX
 Sep. 04, 2019
he was a true pro, pleasent to speak with knowaladgeable

- Albert T., Gloucester, MA
 Sep. 04, 2019
He was very helpful in answering all of my questions

- Valentin M., Hemet, CA
 Sep. 04, 2019
Great followup!

- William C., fairfax,, VA
 Sep. 04, 2019
He was very nice, helpful, personable, and professional.

- Jeff B., Manvel, TX
 Sep. 04, 2019
Very helpful today. Much appreciated.

- Patrick W., Dover, DE
 Sep. 04, 2019
Great service

- Willie Earl H., Windcrest, TX
 Sep. 04, 2019
Was expecting the info we spoke about quicker. Other than that good.

- Timothy C., Weldon Spring, MO
 Sep. 04, 2019
Jay is wonderful! So friendly and helpful. We are always glad to talk with him. Nancy and Emil

- Emil S., Berwyn, IL
 Sep. 04, 2019
Michael was professional, patient and helpful.

- Barry L., Pompano Beach, FL
 Sep. 04, 2019
She was very pleasant to speak with and she answered all my questions to the best of her ability and she let it be known that she ...

- Brente T., Lumberton, NC
 Sep. 03, 2019
Excellent, very patient open to answer all my questions and my options .... very friendly

- Nascina R., Rancho Mission Viejo, CA
 Sep. 03, 2019
He is so great! He works hard to resolve issues and always is very nice and informative.

- Jana A., Hartville, MO
 Sep. 03, 2019
Excellent service!

- Thomas J., Houston, TX
 Sep. 03, 2019
very nice and knows what he is doing.

- Dennis A., Rio Rancho, NM
 Sep. 03, 2019
She took the time to fully explain all my questions, and I appreciate that.

- Wardell H., Bowie, MD
 Sep. 03, 2019
SHE DID GREAT! RESPONDED ACCORDINGLY, POLITE AND PROFESSIONAL.

- David D., Los Angeles, CA
 Sep. 03, 2019
Listen to and understood all of my questions. Gave great advice. Was prompt in providing new information based on the new informat...

- John A., Kansas City, MO
 Sep. 03, 2019
Jolanta was very professional & courteous. She answered all of my questions in a professional manner, & asked if I had any questio...

- Marcella G., Okc, OK
 Sep. 02, 2019
T

- Trey U., Lake Arrowhead, CA
 Sep. 02, 2019
He was great, and answered all my questions.

- Krystle W., Pfafftown, NC
 Sep. 02, 2019
Good service

- Roberto A., Metuchen, NJ
 Sep. 01, 2019
I have no comments.

- Varney B., Minneapolis, MN
 Sep. 01, 2019
Agent was very professional

- Eric S., Davidsonville, MD
 Aug. 31, 2019
look forward to speaking with him again soon.

- Norman B., Ninety Six, SC
 Aug. 31, 2019
Ed explained everything very thoroughly and was a big help! Thank you!

- Tiffany L., Liverpool, NY
 Aug. 31, 2019
This was one of the best customer service calls I've ever had. Abigail was knowledgeable and polite.

- Charles S., Bloomington, IL
 Aug. 31, 2019
Excellent customer service.

- Nyaduoth C., Glendale, AZ
 Aug. 31, 2019
Dan was very clear with the information he was giving me and laid out all of my options without pressuring me to get a specific ty...

- Kaia L., Glendale, AZ
 Aug. 31, 2019
He did really good on the questions that I ask

- David H., Kinston, NC
 Aug. 30, 2019
I buy a lot of things online the way you packed my order was awesome really appreciate it

- Hanna F., Scottdale, PA
 Aug. 30, 2019
It. Two. For.my. response. I. Think. I. Should. Have. Heard. Back. Sooner

- Quincy J., New Orleans, LA
 Aug. 30, 2019
Daniel did great getting me quotes and explaining everything to me...

- Cindy B., Broken Arrow, OK
 Aug. 30, 2019
Very proffessional guy

- Mekhriddin U., Brooklyn, NY
 Aug. 30, 2019
Amazing

- Tatianna C., Brooklyn, NY
 Aug. 30, 2019
She was very kind. 😊

- Victoria C., Apple Valley, CA
 Aug. 30, 2019
Excellent service

- Frank S., Tinleypark, IL
 Aug. 30, 2019
Professioanl and caring!

- Joe W., Dover, NJ
 Aug. 30, 2019
Very clear and took the time to listen to our needs.

- Sheila C., Molalla, OR
 Aug. 30, 2019
She answered all my questions and got me what I needed. :-)

- Marcelle H., Oxnard, CA
 Aug. 30, 2019
great

- Dicky K., Katy, TX
 Aug. 30, 2019
I just did

- Daniel J., Mendenhall, MS
 Aug. 29, 2019
Before this lady attended me I spoke three times and they passed me to the spotlight in Spanish but they never answered. Meridith...

- Jose R., Los Angeles, CA
 Aug. 29, 2019
David was friendly, knowledgeable, patient, and thorough. He was exactly the type of person I was hoping I would get a chance to t...

- Jeffrey A., Little Rock, AR
 Aug. 29, 2019
Working with Joan was a great experience. She was patient and helpful and I really appreciated her taking the time to explain and ...

- Cory R., Plano, TX
 Aug. 29, 2019
great service and great rates.

- Robert S., Casa Grande, AZ
 Aug. 29, 2019
Sincere,courteous and helpful. She is a pleasure to work with.

- Jim M., Bohemia, NY
 Aug. 29, 2019
Very helpful. Getting life insurance has never been more pleasant. Thank you!

- Andrew G., Bel Air, MD
 Aug. 29, 2019
In spite of the current circumstances of my policy change, my experience has been good thus far and, at this time, I'm looking to ...

- Ardeen J., Queen Creek, AZ
 Aug. 29, 2019
I would recommend Rich to anyone who is looking for life insurance. His knowledge and customer care is A+++. If I had any question...

- John M., Sagle, ID
 Aug. 28, 2019
Ultimately I think I will be turned down for insurance because of the Veterans administration but you have a great team for what ...

- Ernest A., Columbia, SC
 Aug. 28, 2019
Thank you very much for your time, information and support

- Luvitza G., San Diego, CA
 Aug. 28, 2019
Service was very good.

- Larry F., Visalia, CA
 Aug. 28, 2019
Cordial and nice to talk with.

- Michael S., Round Rock, TX
 Aug. 28, 2019
Excellent.

- Czelma G., Katy, TX
 Aug. 28, 2019
Was very helpful with all my questions

- Tina C., Bronx, NY
 Aug. 28, 2019
Larry is trying to get me the best rate possible.

- Edward H., Augusta, ME
 Aug. 28, 2019
A++

- Kevin C., Brooklyn, NY
 Aug. 28, 2019
He was very helpful, answered all my questions and worked with me as I applied for the insurance. He is a good listener and knows ...

- Maria A., Adelanto, CA
 Aug. 28, 2019
Excellent customer service.

- Donnabel S., Stockton, CA
 Aug. 28, 2019
He is Reliable &good agent.

- Barbara C., Saint Paul, MN
 Aug. 28, 2019
He was very professional

- Judy P., Lancaster, OH
 Aug. 28, 2019
Very understandable explanations, answered questions clearly, kept the process moving along without lost time.

- Andrew M., Mascotte, FL
 Aug. 27, 2019
Yesenia has been responsive and helpful as I have evaluated multiple options.

- Martin K., Walnut Creek, CA
 Aug. 27, 2019
Excellent worker.

- Sharon C., New York City, NY
 Aug. 27, 2019
Very good!

- Ryan G., Austin, TX
 Aug. 27, 2019
Thank you Anthony for taking care of me through this process. pz

- Paul Z., Glendale, AZ
 Aug. 27, 2019
Not yet not comfirm on a policy.

- James C., Dayton, OH
 Aug. 27, 2019
She did great. Answered all of my questions and was very friendly. I was suppose to receive an email on quotes but havenít receive...

- Craig M., Dry Fork, KY
 Aug. 27, 2019
Decided to go with our home owners carrier

- James W., Kenmore, NY
 Aug. 27, 2019
Very professional and customer oriented.

- William C., fairfax,, VA
 Aug. 27, 2019
She answer all my questions

- Ayisha B., Springfield, VA
 Aug. 27, 2019
his service was very good, he keeps inform to me every step move

- John N., Somerville, MA
 Aug. 27, 2019
Great

- Roger T., Perry, GA
 Aug. 26, 2019
Yesenia was great!

- Jeramie A., FONTANA, CA
 Aug. 26, 2019
Very professional, kind and courteous

- Jephanie H., Cincinnati, OH
 Aug. 26, 2019
Very helpful, answered all my questions

- Jeffrey D., Vienna, OH
 Aug. 26, 2019
Professional, courteous and extremely knowledgeable.

- Johnny S., Rocky Mount, VA
 Aug. 26, 2019
Very informative about the policy.

- Latoya A., North Shore, LA
 Aug. 26, 2019
Very knowledgable and helpful

- Shannon S., Cypress, TX
 Aug. 26, 2019
Very knowledgeable and helpful

- Thalia S., Cypress, TX
 Aug. 26, 2019
Very good conversation - we got the information we needed.

- Ruth W., Plains Township, PA
 Aug. 26, 2019
Ed did a great job

- Matthew M., winneconne, WI
 Aug. 24, 2019
Thank you guys for everything.

- Catherine Z., Johnson City, TN
 Aug. 24, 2019
Thank you guys so much for your care and love Sure to your Concern.

- Yamah K., Indianapolis, IN
 Aug. 24, 2019
Took care of my question quickly and professionally.

- Justin H., Green Bay, WI
 Aug. 23, 2019
Brandon, clearly and concisely, walked me through the enrollment process, answered all my questions and verified I fully understoo...

- Marc R., Seminole, FL
 Aug. 23, 2019
Nice and friendly.

- Khoa L., Garden Grove, CA
 Aug. 23, 2019
Richard has excellent customer service skills and knowledge.

- Linda L., Hewitt, TX
 Aug. 23, 2019
She was great

- John B., Buford, GA
 Aug. 23, 2019
He listened to my needs and was professional

- Laura B., Gallatin, TN
 Aug. 23, 2019
He was very professional and helpful

- Rita O., Allen, TX
 Aug. 23, 2019
Great customer service

- Anthony G., Edinburg, TX
 Aug. 23, 2019
All good!

- Edward M., Union Hall, VA
 Aug. 23, 2019
Very professional, thorough, and presented a elevated level of patience! Extremely Satisfied!!

- Kerry M., Lansing, IL
 Aug. 23, 2019
David was very informative & helpful

- Celeta C., Deer Park, TX
 Aug. 22, 2019
they are very friendly and professional.

- Jesus R., Lodi, CA
 Aug. 22, 2019
Very nice lady, very professional. Gave her word that she would follow up and kept her word. Overall a great experience

- Narbeh G., Granada Hills, CA
 Aug. 22, 2019
Jeff was very professional and helpful.

- Richard C., Glen Rose, TX
 Aug. 22, 2019
She was excellent in her customer service and care. Good person.

- Malcolm V., E Greenwich, RI
 Aug. 22, 2019
Very nice and helpful

- Mark B., Butler, PA
 Aug. 22, 2019
Crystal Sim was knowledgeable, kind and helpful. Appreciate the return call! Great service!

- Melissa Z., Carrollton, TX
 Aug. 22, 2019
He was very patient with me while I was struggling with the signature section. He was kind and helpful throughout the whole conver...

- Laura F., Pewaukee, WI
 Aug. 22, 2019
Very professional

- Joseph P., Woodstock, GA
 Aug. 22, 2019
Service was great.

- William H., Belton, TX
 Aug. 22, 2019
Very helpful, knowledgeable ,answered all questions perfectly, easy to speak too, overall great experience . Thank You

- Allison L., Rockaway, NJ
 Aug. 22, 2019
Heís good and explain things clearly

- Cezzane M., Brooklyn, NY
 Aug. 22, 2019
Thorough and excellent follow up Thank you

- Fatimah B., Washington, DC
 Aug. 22, 2019
Joan was very helpful explaining my options.

- Gina G., Homosassa, FL
 Aug. 21, 2019
Outstanding!

- Sung Ha P., Alexandria, VA
 Aug. 21, 2019
Just needed an answer to a question, and he gave me the information I needed

- Glenn W., San Diego, CA
 Aug. 21, 2019
I think he did a great job provding answers to all of my question and concerns.

- Sara-Ann L., Niagara Falls, NY
 Aug. 21, 2019
He was very kind and considerate Ö.and helping me get a policy....

- Terry H., Belleview, FL
 Aug. 21, 2019
Joan is always very professional and friendly

- Clifford P., Leesburg, FL
 Aug. 21, 2019
He was very informed and easy to understand. I would use him again.

- Richard Y., Conroe, TX
 Aug. 21, 2019
She was very helpful, informative and friendly. I felt very comfortable discussing my questions with her.

- Deborah L., Plant City, FL
 Aug. 21, 2019
Quick and responsive. Thanks!

- Deborah D., Solana Beach, CA
 Aug. 21, 2019
Good customer-service-oriented care. More power to your organization.

- Romero C., Rancho Cucamonga, CA
 Aug. 21, 2019
All fine. Was helpful. Thanks

- Cosmo L., Congers, NY
 Aug. 21, 2019
Kirsten was polite knowledgeable and prompt In taking care of our needs. She was able to out together 3 policies in a matter of m...

- Zachary G., Omaha, NE
 Aug. 21, 2019
Nathan answered all my questions.

- Tamra T., Naperville, IL
 Aug. 21, 2019
Crystal Sims was prompt and courteous in verifying my application information. I appreciated her professionalism throughout the in...

- Christopher C., Menifee, CA
 Aug. 20, 2019
Jordan was professional.

- Bas P., Paso Robles, CA
 Aug. 20, 2019
She was excellant

- Richard B., Berlin, CT
 Aug. 20, 2019
Very Professional

- Rebecca M., La Quinta, CA
 Aug. 20, 2019
Great

- Joseph S., Jersey City, NJ
 Aug. 20, 2019
Very great, knowledgable, honest and friendly.

- Jeremy R., Morrisville, NC
 Aug. 20, 2019
It took a few phone calls and email to get all of the insurance quotes. Once all information was received then a determination wil...

- Karen R., Madison, WI
 Aug. 20, 2019
Joan has great customer service skills and seems to really know a lot about life insurance, I was skeptical but she made me feel s...

- Symone M., Greensboro, NC
 Aug. 20, 2019
very helpful and kind

- Lisa L., East Wenatchee, WA
 Aug. 20, 2019
Very good and helpful

- Aliasghar A., Delray Beach, FL

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
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Frequent Life Insurance
Questions and Answers

Fundamentals of life insurance
  • What's covered and not covered on the modern life insurance policy?
  • 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?
  • 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?
  • '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?
  • 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?
  • 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?
  • 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
  • How much life insurance do I need?
  • Each person's situation is different depending upon his or her age, income, debts, lifestyle, and the number and age of dependents.

    Many financial experts recommend that a [head of household?] be insured for at least 10 times his or her income. Caregivers who are not working outside the home are advised to have at least $300,000 in coverage.

    For a quick, easy, and confidential way to estimate your insurance needs, use our "Life Happens Needs Calculator."

  • How long do I need life insurance protection?
  • This is for you to decide based on your age, family obligations, financial situation, and other factors. Some people cancel or reduce their life insurance as they pay down debt and their children grow up.; others maintain life insurance throughout their life as an estate planning too.

    Luckily, you can change your mind. If you decide you want additional insurance or coverage for a longer term, you can generally reapply for a new policy, and cancel the previous one upon approval of the new one. You are not obligated to keep any policy for the entire duration of the term.

    The most popular choice among our customers is a 20-year term life insurance policy. That typically provides coverage for a large mortgage balance and protects a family as children are growing up.

    If you're looking to have insurance for funeral costs and other final expenses, however, you should consider some form of universal or whole life insurance.

  • Should I get coverage for my spouse if he or she is not working outside the home?
  • 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?
  • 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?
  • 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?
  • 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?
  • 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?
  • 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?
  • 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?
  • 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?
  • 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?
  • It's okay to enter "N/A" (Not Applicable).

  • Can I complete a "no exam" application for someone else?
  • 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?
  • 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?
  • 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.
  • 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?
  • 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?
  • 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?
  • 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?
  • 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?
  • 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?
  • 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?
  • 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?
  • 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?
  • 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?
  • 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?
  • 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.
  • 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?
  • 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?
  • 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?
  • 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?
  • 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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