Instant, customized life insurance quotes, regardless of your health, age 1 to 85.

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 Dec. 13, 2019
Professional, knowledgeable, and expedient

- Ramona M., Ashburn, VA
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 Dec. 12, 2019
He was very great at his job he should really get a raise. He is also a great example for this company his customer service is exc...

- Charmyn G., Black Jack, MO
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 Dec. 12, 2019
Very knowledgeable and courteous!

- Julie K., Fosters, AL
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 Dec. 12, 2019
She had great customer service and she was very detailed. I appreciated how she took her time to explain everything to me.

- Corise W., Riverdale, GA
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 Dec. 12, 2019
No issues

- Thomas J., Chevy Chase, MD
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 Dec. 12, 2019
A very great job. 1-10 Paul get a 10 + William C. Martin

- William M., Euless, TX
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 Dec. 12, 2019
Very helpful

- Jasmine P., Drexel Hill, PA
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 Dec. 12, 2019
Brandon was very informed and and excellent customers service skills

- Willie S., Ellenwood, GA
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 Dec. 12, 2019
Lawrence Schultz is very professional and knowledgeable. I called inquiring about life insurance and he explained options and com...

- Heather T., Farmington, NY
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 Dec. 12, 2019
Very helpful and professional

- Hanh L., MISSOURI CITY, TX
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 Dec. 12, 2019
Paul has been helping us throughout this process. Anything we have a question he’s always there with information we needed to know...

- Brian D., Fontana, CA
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 Dec. 12, 2019
Paul has always demonstrated an excellent customer service. He response quickly whether a call ior email. We are thankful for him...

- Maria D., Fontana, CA
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 Dec. 12, 2019
Very helpful

- Daniel N., Cameron, TX
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 Dec. 12, 2019
Mr. Farley was very helpful and explained everything to us so we could understand. We look forward to working with him in the fu...

- Howard M., Nederland, TX
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 Dec. 11, 2019
Mr. Karl Johnson made me feel comfortable

- Jones C., Washington, DC
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 Dec. 11, 2019
Easy and great customer service!!

- Donald L., Bakersfield, CA
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 Dec. 11, 2019
She keeps me informed

- Maryann L., Cordova, TN
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 Dec. 11, 2019
Very Professional!!!

- Ernest K., Bakersfield, CA
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 Dec. 11, 2019
Helpful without being pushy.

- Bo B., Sherman Oaks, CA
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 Dec. 11, 2019
Excellent

- Russell L., Chapin, SC
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 Dec. 11, 2019
He was 100% excellent, clear, efficient and lovely to talk with. Made the experience a pleasure. Carmen Camerieri

- Carmen C., New York, NY
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 Dec. 10, 2019
Cynthia is extremely helpful and answered all my questions!

- Karen R., Madison, WI
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 Dec. 10, 2019
She did great job for me to apply Term Insurance for my family today.

- Ronald L., Co Spgs, CO
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 Dec. 10, 2019
Prompt response

- Floyd I., Kennewick, WA
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 Dec. 10, 2019
He was knowledgeable and did a good job of answering my questions.

- Nancy P., Surprise, AZ
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 Dec. 10, 2019
Tamara has been very helpful throughout this very lengthy process.

- November P., Cornville, ME
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 Dec. 10, 2019
very helpful and fairly non-anxious.

- Dave M., Wilmington, DE
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 Dec. 10, 2019
Very helpful

- Robert H., Grants, NM
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 Dec. 10, 2019
Jay was prompt, knowledgeable, and very pleasant to talk with.

- John F., Houston, TX
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 Dec. 10, 2019
great

- Randy S., Spring, TX
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 Dec. 10, 2019
Kevin was very knowledgeable and answered all my questions. He was a very big help with a very important life decision. Thank you ...

- Jack L., Katy, TX
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 Dec. 09, 2019
Russell was very professional and informative. He answered all of my questions clearly and thoroughly.

- William B., Dayton, MD
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 Dec. 09, 2019
Very prompt, helpful, fast and knowledgeable. Great!

- Haralds J., Honolulu, HI
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 Dec. 09, 2019
Jeff is a very good customer service representative.

- Jamison D., Baldwin Park, CA
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 Dec. 09, 2019
Rachel called me back and answered my questions and concerns, was professional and courteous!

- Joseph M., New Bern, NC
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 Dec. 09, 2019
Sounded very courteous and professional.

- Norris M., Miami Gardens, FL
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 Dec. 09, 2019
Rachel has been and is very helpful and knowledgeable.

- Devron B., Altadena, CA
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 Dec. 09, 2019
Very kind and informative, get well soon Christopher

- Laura S., Gillett, WI
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 Dec. 09, 2019
Very helpful ,and kind, get well soon Chris.

- James S., Gillett, WI
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 Dec. 09, 2019
she wAS VERY GOOD

- Jerry R., Sterling Heights, MI
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 Dec. 09, 2019
Joan was very thorough and very easy to communicate with. We appreciate her help.

- Kenneth R., Bryant, AR
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 Dec. 09, 2019
He was very helpful and knowledgeable answer all my questions

- Rabah S., Oldsmar, FL
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 Dec. 09, 2019
Very friendly and professional

- Alecia R., Chandler, AZ
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 Dec. 07, 2019
Persistent. Follows through on plan.

- Dale F., Murfreesboro, TN
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 Dec. 07, 2019
Mr. Morrow was very professional and efficient and helped me get the best quote possible.

- Jonathon P., Las Vegas, NV
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 Dec. 07, 2019
He was very helpful and the process was really quick.

- Erin W., Charlotte, NC
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 Dec. 07, 2019
Maria was fantastic. Very nice. Polite. Professional. Made me feel relaxed when drawing blood. All good stuff.

- Adam H., Salt Lake City, UT
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 Dec. 06, 2019
Hello the only issue I had was when we got done talking he said he had everything. But then he called back to get more information...

- Freddie W., Senath, MO
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 Dec. 06, 2019
She did a great job helping me in a timely manner. Thanks Erin!

- Kelly A., Morgan City, LA
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 Dec. 06, 2019
She was coincided well informed

- Deborah W., Jamaica, NY
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 Dec. 06, 2019
Found coverage just a bit cheaper

- Paul D., San Antonio, TX
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 Dec. 06, 2019
Yesenia was very Professional, as always. I truly mean this from my heart. She’s at the top of things and truly knows how to assi...

- Daune W., Hollis, NY
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 Dec. 06, 2019
Ed is an outstanding agent, he takes time to understand clients' needs to provide valuable guidance. I recommend him.

- Narasimha K., Keller, TX
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 Dec. 06, 2019
Very Good in customer service.

- Varney G., Euclid, OH
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 Dec. 06, 2019
Excelente to answer question

- Alexander G., Danbury, CT
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 Dec. 06, 2019
She was very warming

- Alba S., Skokie, IL
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 Dec. 06, 2019
Pleasure to speak with!

- Tia W., Litchfield Park, AZ
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 Dec. 06, 2019
Courteous and respectful

- Yousef A., ROSEDALE, NY
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 Dec. 06, 2019
Paul is the man!

- Steven G., Dover, NJ
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 Dec. 06, 2019
She is the cutest!

- Oleksandr N., Orlando, FL
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 Dec. 05, 2019
He was great. I will not buy insurance from you but he was a great rep.

- Jeffery C., Ridgecrest, CA
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 Dec. 05, 2019
Daniels customer service is more than great. He always let's me know EXACTLY what to di, and makes sure I understand.

- Javiola B., Sunnyside, WA
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 Dec. 05, 2019
Explain option very clearly and understand very easily

- Mohammed Q., Princeton, TX
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 Dec. 05, 2019
i was assisted by her regarding my concern.she is very helpful .i will recommend this insurance to my friends.

- Elvira B., Lakewood, WA
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 Dec. 05, 2019
Professional and knowledgeable

- Alaleh N., Wichita Falls, TX
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 Dec. 05, 2019
Aaron is always helpful,informative an knowledgeable in providing Insurance policies for myself an my wife. Thank you Aaron.

- Ramona P., Browns Mills, NJ
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 Dec. 05, 2019
Great customer service

- Ava K., Menifee, CA
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 Dec. 05, 2019
Very courteous and very helpful

- Matthew M., Mars Hill, NC
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 Dec. 05, 2019
Very good service and response

- Ezequiel O., Gilbert, AZ
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 Dec. 04, 2019
Very polite and informative.

- Thomas M., Nacogdoches, TX
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 Dec. 04, 2019
She is very helpful and explained things clearly.

- Suruliappa J., Chadds Ford, PA
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 Dec. 04, 2019
Cynthia was fantastic ! She addressed my situation and held my hand and guided me .I believe that my issue with LFG will be resolv...

- Richard M., Evergreen, CO
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 Dec. 04, 2019
Very helpful and courteous..

- William A., Westminster, CO
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 Dec. 04, 2019
Excellent customer care- thanks.

- David P., Waterford, CT
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 Dec. 04, 2019
He answered all of my questions and sent me quotes I asked for.

- Carl H., Leesburg, VA
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 Dec. 04, 2019
He was great, good guy.

- Angel M., Highland, CA
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 Dec. 04, 2019
Erin has a very friendly professional manner on the phone and had tried to solve my issues as needed.

- Brenda M., Gibraltar, MI
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 Dec. 04, 2019
great job for now

- Chong H., Austin, TX
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 Dec. 04, 2019
Very good

- Scott F., Geneva, IL
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 Dec. 04, 2019
Excellent

- Thomas D., Glen Allen, VA
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 Dec. 04, 2019
Conversation was constructive

- Hartley B., Wilmington, NC
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 Dec. 04, 2019
Very friendly and quickly brought me through the process.

- Thomas G., Dedham, MA
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 Dec. 04, 2019
Very helpful and expedient.

- Joseph L., Ind Hbr Bch, FL
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 Dec. 04, 2019
He was very informative and answered all my questions.

- Mark M., Summerville, SC
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 Dec. 04, 2019
Was pleasant, helpful...I am shopping around right now for life insurance.

- Joyce D., Trinity, NC
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 Dec. 04, 2019
Very Helpful and professional.

- David D., Riverton, UT
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 Dec. 04, 2019
I enjoyed speaking with her very very much. She is a delightful, courteous and knowledgeable woman.

- Michael W., Matawan, NJ
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 Dec. 04, 2019
Great

- Jan S., Perth amboy, NJ
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 Dec. 04, 2019
Was very good!

- Sara G., Hooksett, NH
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 Dec. 03, 2019
N/a

- Ja'Maine H., Greensboro, NC
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 Dec. 03, 2019
Good job

- Paul M., Tavares, FL
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 Dec. 03, 2019
Very professional

- Frank B., Incline Village, NV
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 Dec. 03, 2019
Nathan has been very helpful with my application process . Thank you , Barbara Collins

- Barbara C., Hamburg, NY
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 Dec. 03, 2019
Kevin Novak was amazing!!! He was incredible in helping me find the correct life insurance!!

- Christopher K., O Fallon, MO
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 Dec. 03, 2019
Very courteous

- John J., Conway, AR
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 Dec. 03, 2019
Tony was very imformative and patience.

- Peaches C., Philadelphia, PA
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 Dec. 03, 2019
Daniel has done a great job.

- Paul F., La Canada, CA
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 Dec. 03, 2019
Awesome

- Felicia B., Lakeland, FL
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 Dec. 03, 2019
Very knowledgeable and polite.

- Harold P., Manassas, VA
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 Dec. 03, 2019
All went well

- LaTanya J., Merrillvile, IN
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 Dec. 03, 2019
Very kind, professional, and knowledgeable

- Darren C., Blue Island, IL
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 Dec. 03, 2019
He was very knowledgeable & professional. Very helpful. No concerns! Thank you for contacting me for follow up purposes.

- Kristen P., Kernersville, NC
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 Dec. 02, 2019
Edward was very helpful and answered all my questions! Thank you!!

- Sydeigha T., Corpus Christi, TX
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 Dec. 02, 2019
Very helpful.

- Dennis M., Rochester Hills, MI
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 Dec. 02, 2019
She is very helpful and kind. She have hel me step by step.

- Jasper C., Brooklyn, NY
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 Dec. 02, 2019
Very good

- Ana P., Hartsdale, NY
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 Dec. 02, 2019
Very good

- Timothy M., Olathe, KS
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 Dec. 02, 2019
Very helpful, everything went smoothly.

- Brenton M., Waynesboro, PA
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 Dec. 01, 2019
Very helpful!!

- Tiffany B., Oriental, NC
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 Nov. 30, 2019
Mike is great to work with and very efficient which I appreciate.

- Randal B., Greenwood Village, CO
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 Nov. 29, 2019
Daniel was easy to talk to and explained things that I didn't understand. We were able to get through all the questions fairly qui...

- Kelly A., Morgan City, LA
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 Nov. 29, 2019
He provided alot of information and ask questions so they he could better able to assist me.

- Yvette L., Allentown, PA
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 Nov. 29, 2019
Ok

- Deborah D., Chillicothe, OH
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 Nov. 29, 2019
Very professional

- Lindburg P., Hamden, CT
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 Nov. 29, 2019
very pleased

- Colleen F., Newark, DE
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 Nov. 29, 2019
Michael was very helpful and professional

- Fred F., Newark, DE
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 Nov. 28, 2019
English is her 2nd language I think. For clarity's sake keep working on those difficult words and speak slowly. I speak 2 langu...

- Frederick R., Baldwin City, KS
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 Nov. 28, 2019
Very kind and very helpful

- Haley R., Mobile, AL
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 Nov. 28, 2019
Good policy

- Curtis R., New Orleans, LA
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 Nov. 27, 2019
Happy holidays, thanks for the good service

- Brittany W., Gladstone, MO
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 Nov. 27, 2019
Polite and efficient

- Flora D., San Leandro, CA
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 Nov. 27, 2019
Very clear communication to understand. Thank you

- Lee C., Seattle, WA
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 Nov. 27, 2019
KARL, WAS VERY PROFESSIONAL , COURTEOUS AND INFORMATIVE! HE IS DEFIANTLY AN ASSET TO YOUR ORGANIZATION ! ROBERT DAY

- Robert D., Wright City, MO
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 Nov. 27, 2019
Professional. Follows up on every step of the process and wanted to know if I had any issues or concerns. Always offers to help.

- Monee G., Suitland, MD
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 Nov. 27, 2019
She took the time to explain the quote and application process to me.

- Kevin C., Batesville, IN
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 Nov. 27, 2019
Daniel gave me excellent customer service. He let me know exactly what to do and how to do it. He was not confusing like others ar...

- Javiola B., Sunnyside, WA
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 Nov. 27, 2019
Great

- Randy S., Spring, TX
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 Nov. 26, 2019
Im satisfied with the help of richard and i was able to get an insurance and he explain to me everything i appreciate it very much...

- Elvira B., Lakewood, WA
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 Nov. 26, 2019
Daniel was professional and great.

- Traniquia E., Cypress, TX
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 Nov. 26, 2019
Denise has been spot on since the beginning.. very helpful and always does the little extra to satisfy personal requests!

- Micheal M., Rogers, AR
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 Nov. 26, 2019
Jim was a pleasure to work with. Was very knowledgeable and efficient in helping us with our many applications.

- Ayla T., E Greenbush, NY
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 Nov. 26, 2019
Very nice

- Thomas W., Mechanicville, NY
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 Nov. 25, 2019
Excellent

- Paul D., San Antonio, TX
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 Nov. 25, 2019
very understanding of my time.

- Guerlyne H., MIDLOTHIAN, VA
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 Nov. 25, 2019
Very friendly informative and personable ... reliable... she called back exact date / time that she said she would

- Mary-Lou R., Bonita, FL
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 Nov. 25, 2019
Kirsten was very helpful

- Gisella D., Buffalo, NY
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 Nov. 25, 2019
Larry was patient and answered all questions in a professional manner. He followed through with call backs and emailed me the nec...

- Laura C., Lancaster, CA
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 Nov. 25, 2019
Deyinira was very pleasant to deal with. She was friendly, professional, and thorough. Thanks

- Joseph S., Vista, CA
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 Nov. 25, 2019
He was great.

- Stella S., New Milford, NJ
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 Nov. 25, 2019
Paul was very professional and helpful

- Hanh L., MISSOURI CITY, TX
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 Nov. 25, 2019
Was very helpful and went over every detail and was also able to find me a really good price for exactly what I was looking for

- Juan C., Sacramento, CA
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 Nov. 25, 2019
It was good

- Raymond M., Bullhead City, AZ
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 Nov. 25, 2019
Very friendly explained everything

- Lori M., Akron, OH
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 Nov. 25, 2019
found my information from my last encounter with the other agent. which was good didn't have to go into touch detail of what i ne...

- Jasper C., Brooklyn, NY
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 Nov. 24, 2019
Great job very easy to talk to.

- Lucas F., Jay, ME
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 Nov. 24, 2019
Edward is an outstanding agent and he puts Clients' interest ahead to understand the needs and then advise the best available opti...

- Narasimha K., Keller, TX
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 Nov. 24, 2019
Very helpful

- Tiffany B., Oriental, NC
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 Nov. 24, 2019
Had a hiccup in application process and David was on it!

- Thomas B., Salem, OR
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 Nov. 23, 2019
Thank you

- Dung T., San Jose, CA
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 Nov. 23, 2019
Good customer service

- Albert L., Placentia, CA
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 Nov. 23, 2019
Cynthia gave me excellent service as well as her counterpart, Maria Avalos.

- William A., Westminster, CO
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 Nov. 23, 2019
Professional customer service

- Peter V., West Palm Beach, FL
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 Nov. 22, 2019
Edward was very helpful and informative and answered all my questions.

- Jayne P., Clearwater, NE
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 Nov. 22, 2019
Thank you

- Carlos C., Bakersfield, CA
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 Nov. 22, 2019
Nathan has been incredibly understanding of our needs.

- Dennis B., Prairie Village, KS
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 Nov. 22, 2019
Ty

- Christopher B., Evington, VA
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 Nov. 22, 2019
Mr. Morrow did an outstanding job. Very professional and friendly. Thank you!

- James G., Yuma, AZ
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 Nov. 22, 2019
He was prompt ,courteous, and thorough.

- Richard T., Stanwood, WA
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 Nov. 22, 2019
Great job!

- Donald M., Davie, FL
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 Nov. 22, 2019
Quick and reliable service!

- Jody S., Lebanon, NJ
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 Nov. 22, 2019
He was very professional in answering all my concerns. I would recommend him to friends and family.

- Cathy A., South Euclid, OH
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 Nov. 22, 2019
Russell Brooks was very professional and helpful through the entire process of applying for life insurance. Great person.

- William B., Dayton, MD
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 Nov. 22, 2019
Excellent. I love it. Thank you

- Duso N., San Jose, CA
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 Nov. 22, 2019
very prompt in returning phone call. Very courteous

- Ronald H., Camp Hill, PA
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 Nov. 22, 2019
Nate is a great representative for your company. He's clear and concise and answers all questions. I had expressed concern about...

- Scott M., Macedonia, OH
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 Nov. 21, 2019
thanks

- John H., Lawrenceville, GA
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 Nov. 21, 2019
Outstanding Customer Service

- Larry F., Roswell, GA
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 Nov. 21, 2019
Very knowledgeable and honest.

- Gina P., Walesville, NY
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 Nov. 21, 2019
Excellent

- Shevon A., Newark, NJ
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 Nov. 21, 2019
Griffin Solari was extremely helpful, responsive, explained things very clearly, and quickly answered follow-up questions. My expe...

- William R., Hillsboro, OR
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 Nov. 21, 2019
Kevin Novack is the BEST he is the kind of person, who you want to REPRSENT YOUR COMPANY!!!!!!!

- Surlisa G., Monroe, GA
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 Nov. 21, 2019
Tamara is just professional - knowledgeable, straight to the point and diligent

- Guillermo R., Chapel Hill, NC
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 Nov. 21, 2019
Richard was very helpful

- Stephen A., Pelzer, SC
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 Nov. 20, 2019
She was awesome!

- Datev P., Manhasset, NY
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 Nov. 20, 2019
She is very helpful and exceeds expectations!

- Garrett W., Henderson, NV
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 Nov. 20, 2019
Extremely nice, professional and informative

- Kathleen H., Ridley Park, PA
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 Nov. 20, 2019
Very well trained ~ superb customer service!

- Mark Y., Dunlo, PA
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 Nov. 20, 2019
very patient and collaborative

- Nascina R., Rancho Mission Viejo, CA
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 Nov. 20, 2019
Anytime we have ever spoken with Brandon he has been excellent and we appreciate his service.

- Brian B., Melbourne, FL
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 Nov. 20, 2019
Great Customer Service.

- Hannah W., Cairo, GA
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 Nov. 20, 2019
Cris was great, answered all my questions, pleasure to work with him!

- Eleonora S., Katy, TX
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 Nov. 20, 2019
Kind gentleman.

- Troy H., Troutdale, OR
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 Nov. 20, 2019
Very competent service

- Judith S., Deerfield, IL
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 Nov. 20, 2019
She was great

- Idrissa D., Cleveland, OH
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 Nov. 20, 2019
Crystal Sims did a TERRIFIC JOB in giving me more understanding in a potential conversion from a Term Life Contract that is expiri...

- William S., Fort Collins, CO
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 Nov. 20, 2019
I was very satisfied with the customer service

- Michael E., Portsmouth, VA
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 Nov. 19, 2019
great job

- Balwinder S., Bakersfield, CA
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 Nov. 19, 2019
It’s been several years since I’ve witnessed a customer service person with such patience tenacity with a personal interest in the...

- Ray G., West Memphis, AR
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 Nov. 19, 2019
Nathan has been very helpful. However, I am still unable to complete the application process because it has locked me out. It ha...

- Susan D., West Linn, OR
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 Nov. 19, 2019
Kevin was very friendly and professional. It was a pleasure to work with him.

- Sandra N., Hillsboro, MO
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 Nov. 19, 2019
Excellent

- Lev D., San Francisco, CA
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 Nov. 19, 2019
Excellent company representative

- Jolie O., Colorado Spgs, CO
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 Nov. 19, 2019
Very helpful!

- Danny C., Santa Rosa Beach, FL
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 Nov. 19, 2019
She has been very helpful. Thanks.

- Tomoko Shibayama D., Silver Spring, MD
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 Nov. 19, 2019
Was very helpful, very pleasant person

- Lillian R., Kissimmee, FL
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 Nov. 19, 2019
Very very good. Fast, Efficient, and Knowledgeable and Follows up!

- Glenda M., Little Flock, AR
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 Nov. 19, 2019
Fast, Knowledgeable and creative! Very Good!

- Micheal M., Rogers, AR
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 Nov. 18, 2019
Mr. Farley was very pleasant and knowledgeable. Very helpful and helped me to understand the process in a timely manner. Very Kind...

- Sandra B., Newark, NJ
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 Nov. 18, 2019
Seaira was most helpful.

- Michael B., Frisco, TX
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 Nov. 18, 2019
Excellent customer service

- Luis S., Laredo, TX
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 Nov. 18, 2019
No se inglés pero muy buen agente amable claro y un experto en lo qué hace fue una buena experiencia y me volverá a llamar para se...

- Marina C., Tucson, AZ
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 Nov. 18, 2019
To whom it concerns, Brenda is a good executive and she helped me answer the questions to continue my application. She was very p...

- Jorge M., Miami, FL
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 Nov. 18, 2019
very professional and knowledgeable

- Sivarama K., Irving, TX
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 Nov. 18, 2019
Very professional

- McClabia M., Arlington, TN
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 Nov. 18, 2019
Good service

- Julia H., Charles Town, WV
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 Nov. 17, 2019
Mike was great. He was very responsive and made the process easy as I was traveling.

- Randal B., Greenwood Village, CO
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 Nov. 17, 2019
excellent customer service.

- Paul R., Scottsdale, AZ
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 Nov. 17, 2019
Kirsten was very knowledgeable about the insurance programs available and did her best to find a company that would meet my needs....

- Kitty B., San Antonio, TX
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 Nov. 16, 2019
Thank you for excellent customer service!

- Giang G., Lakewood Ranch, FL
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 Nov. 16, 2019
David was very pleasant to work with and took time to talk thoroughly.

- Ravi S., Waco, TX
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 Nov. 16, 2019
He was very helpful! This is something that I've been wanting to do for many years and I finally did it and he made me feel very c...

- Angela B., San Jose, CA
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 Nov. 16, 2019
She was very nice to talk to she explained everything and answered all my questions. Should be more people like her..

- Cathy B., Punxsutawney, PA
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 Nov. 16, 2019
Great

- Nathan H., Midlothian, VA
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 Nov. 16, 2019
Great

- Jordan H., Midlothian, VA
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 Nov. 16, 2019
Awesome.

- Kobie H., Midlothian, VA
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 Nov. 16, 2019
He is the best, took time and effort to go over materials.

- Tony H., Midlothian, VA
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 Nov. 16, 2019
Aaron took the time to explain to me with whatever million questions I have asked.

- Guerlyne H., MIDLOTHIAN, VA
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 Nov. 15, 2019
Very professional and helpful.

- Sandra C., Riverbank, CA
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 Nov. 15, 2019
Jay have been very helpful with my needs as well as courteous.

- Donnabel S., Stockton, CA
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 Nov. 15, 2019
Nice over the phone. Efficient in helping me complete the application process.

- Sarah M., Lockport, NY
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 Nov. 15, 2019
Crystal was extremely knowledgeable and professional..

- Robert Lee V., Corpus Christi, TX
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 Nov. 15, 2019
excellent

- Ramon N., Brooklyn, NY
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 Nov. 14, 2019
Great customer service

- Julian G., San Antonio, TX
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 Nov. 14, 2019
Great

- Elvin C., Bronx, NY
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 Nov. 14, 2019
Great to work with.

- Jan S., Perth amboy, NJ
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 Nov. 14, 2019
He was quick to get back to us and very helpful and polite. I'd do business again with him if needed.

- Phillip P., Brush Prairie, WA
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 Nov. 14, 2019
Thank you

- Richard S., Mount Vernon, IL
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 Nov. 14, 2019
He is a great listener.. Very nice to me while I was venting.

- Judy W., Miramar Beach, FL
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 Nov. 14, 2019
Na

- Duc P., San Jose, CA
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 Nov. 14, 2019
Very professional, good experience

- Marlon H., Sunrise, FL
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 Nov. 14, 2019
Very professional

- Marfell H., Fort Lauderdale, FL
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 Nov. 14, 2019
Jeff Hansen did a wonderful job . pleasant to talk with and very good on follow up , great service

- Rebecca H., Middleport, NY
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 Nov. 14, 2019
Karl was very helpful, he listened to my concerns and guided me accordingly.

- Roopam C., Jersey City, NJ
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 Nov. 13, 2019
Informative and easy to reach. A pleasure

- Matthew M., North Haven, CT
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 Nov. 13, 2019
no comments now

- Noel R., Orlando, FL
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 Nov. 13, 2019
Aaron is very knowledgeable n caring person who takes his time to explain everything to me always

- Mevelyn R., Walden, NY
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 Nov. 13, 2019
Mike was awesome!

- Jacqueline C., Long Beach, CA
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 Nov. 13, 2019
Great Employee!

- Dwight R., Lithonia, GA
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 Nov. 13, 2019
Excellent attendance

- Adriano M., Acton, MA
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 Nov. 13, 2019
He is very friendly and provided a thorough interview.

- Wendy D., Murfreesboro, TN
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 Nov. 13, 2019
Yesenia was very professional with what she did,she handled the complete call with professionalism. I was very happy to have spok...

- Daune W., Hollis, NY
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 Nov. 13, 2019
The young lady was very good . She explains herself very well

- Jimmie Y., Houston, TX
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 Nov. 13, 2019
Very knowleadgle and precise

- Jenkins Augusto A., South Bend, IN
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 Nov. 13, 2019
Very informative and thorough

- Jerry L., Pompano Beach, FL
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 Nov. 13, 2019
He was so helpful and provided me with all the information i was looking for

- Mehsen Z., Houston, TX
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 Nov. 13, 2019
She was very helpful

- Yonique R., Hampton Bays, NY
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 Nov. 12, 2019
Mr. Kevin was very helpful and did everything in his power to help me understand everything thoroughly, and to get me the best low...

- Jabari D., Middletown, RI
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 Nov. 12, 2019
Excellent service!

- Armando M., Austin, TX
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 Nov. 12, 2019
Jeff was very helpful.

- Mavannah M., Foxridge, MD
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 Nov. 12, 2019
She was thorough and understanding and patient! Very nice to work with.

- Lanette P., Meridian, ID
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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