Life Insurance

In the chart below you will see a variety of life insurance products. Insuring your life might seem like an odd thing to do, but what it really does is provide financial assurance for the people in your life in case of your death. For instance, the payout from your life insurance policy after you die could pay for unsettled debts, funeral costs and even provide some income to your loved ones. Life insurance can benefit your family.

Take your time and compare the various features of each life insurance product and life insurance provider. You can also choose your life insurance level type and excess costs. Check the life insurance restrictions and criteria before you apply, to save unnecessary time wasting. For more information on life insurance, take a minute to visit the Information Library.

Insurance Information

You MUST apply through this site to guarantee any rate, spread, fee or margin listed

Take your time and compare the various features of each life insurance product and life insurance provider. You can also choose your life insurance level type and excess costs. Check the life insurance restrictions and criteria before you apply, to save unnecessary time wasting. For more information on life insurance, take a minute to visit the Information Library.

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COMPANYPOLICYCOSTDEDUCTABLECOVERUNDERWRITERMETHODSPAY MONTHLYPERSON INFOMORE INFO
BeamaLife
BeamaLife		Dependent on providerDependent on providerDependent on providerType

Cover Type

Whole Life, Term Life, Universal Insurance


Level

Cover Level

Standard


Detail

Cover Detail

1. Providing funds to pay for your funeral
2. Paying off any outstanding medical bills and eliminating any other debts that you may have 3. Retiring your mortgage so your loved ones own your home free and clear
4. Covering your estate taxes
5. Savings for college education or for retirement income

Dependent on lenderOnline, TelYesUS Residents OnlyBeamaLife
BeamaLife represent America’s leading and most trusted life insurance companies. They compare the top 100 life insurance companies and try to help you save up to 80% on your Life Insurance policy. You can apply for life insurance online or call them and speak to a life insurance advisor.
DETAIL INFORMATION >>		Services

Services

1. Comparing Top 100 Life Insurance Companies


Restrictions

Restrictions

See website for terms and conditions.


Advantages

Advantages

1. Compare the top 100 Life Insurance Companies.
2. Save up to 80% on Life Insurance.
3. Choose from 2 types of basic Life Insurance.
4. Simplified process.
5. Guaranteed best price.
6. Expert advice


Disadvantages

Disadvantages

1. Exclusions apply to all policies.
2. You have to apply to get fees, charges and terms and conditions

Life Quote Insider
Life Quote Insider		Life Insurance QuotesVariesVariesType

Cover Type

Term, Whole Variable, Universal


Level

Cover Level

Standard


Detail

Cover Detail

Ask on application

Ask on applicationOnlineYesSee website for detailsLife Quote Insider
Life Quote Insider helps you to get the best life insurance deals on the internet. You can obtain life insurance quotes from reputable companies which save you money and get you better life insurance coverage.
DETAIL INFORMATION >>		Services

Services

Get quotes from reputable companies


Restrictions

Restrictions

Ask on application


Advantages

Advantages

1. Save money.
2. Get better coverage.
3. Fits into your budget.
4. Get quotes from reputable companies.


Disadvantages

Disadvantages

1. You have to apply to obtain fees and charges.
2. You have to apply to obtain deductible.

Efinancial Life Insurance
Efinancial Life Insurance		Efinancial Life InsuranceVaries on policy chosenVariesType

Cover Type

Varies on policy chosen


Level

Cover Level

Varies on policy chosen


Detail

Cover Detail

Give us 5 minutes and we'll give you:
1. A Free policy comparison based on your personal situation.
2. Rates from top life insurance companies in the market.
3. Access to the Efinancial Information Center staffed with licensed insurance agents to help you.

VariesOnlineNoMust be 18 or over and a US citizenEfinancial Life Insurance
Efinancial is a leading nationwide life insurance brokerage firm, they have built a searching technology designed specifically to find you the best prices on life insurance. You complete the questions on our quote form and in a few seconds our search technology will search through all of the top life insurance companies.
DETAIL INFORMATION >>		Services

Services

Supplies a choice of competitive life insurance companies


Restrictions

Restrictions

You must be eighteen years of age or older to use this website


Advantages

Advantages

1. Efinancial is a leading nationwide life insurance brokerage firm.
2. Have built a searching technology designed specifically to find you the best prices on life insurance.
3. You complete the questions on our quote form and in a few seconds our search technology will search through all of the top life insurance companies.
4. Every search is accurate and un-biased, and delivers you an easy to understand comparison of up to 12 of the most competitively priced policies available to you.
5.  You receive easy to understand facts about each specific policy, and about the insurance company offering that policy.
6. We monitor over 100 life insurance companies and allow only the best and most competitive insurers onto the Efinancial network.
7. You can do all your comparison shopping at one web site without wasting time with several agents or other sites that only quote a few companies.
8. We even offer policies specifically developed for our site due to strong relationships with large companies all over the US.
10. Efinancial also has the most advanced processing system available to help expedite your life insurance request and keep you informed as to the 1. us of your insurance purchase.
11.Our clients typically save up to 70% on their life insurance.
12. Our licensed and experienced customer service representatives handle incoming application requests.
13. Our employees are knowledgeable professionals who are able to determine the rates and policies for which you are likely to qualify.


Disadvantages

Disadvantages

1. Efinancial.com does not recommend or endorse any particular insurance company.

NetQuote
NetQuote		Life InsuranceAsk on applicationVariesType

Cover Type

Whole Life, Term Life


Level

Cover Level

Ask on application


Detail

Cover Detail

Whole Life Insurance: This is a permanent form of life insurance that protects your loved ones from financial hardship while accruing cash value toward your retirement savings or as a safety net in case of hardship. Premiums are set at the beginning of the plan and are generally much higher than in the case of term life insurance. This type of life insurance policy creates the strongest form of guaranteed and ongoing protection, albeit at higher premium costs and with an inferior return on investment.
 
Universal Life Insurance: Universal life insurance is a relatively new type of life insurance that was devised to eliminate some of the common criticisms of whole life insurance—primarily inflexible premiums and poor investment returns. You can buy universal life insurance with a large, one-time premium paid at the beginning of the policy, or you can make variable premium payments within a certain range. Beware, however, that interest rates will affect premiums and investment returns. Indeed, universal life insurance offers greater flexibility but also greater risk. It's also the most complicated life insurance policy, so you should go over the fine print of your policy before making any final decisions.
 
Term Life Insurance: Term life insurance is the purest form of life insurance in the sense that it serves the sole function of protecting loved ones in the event of your death or serious injury or illness. These life insurance plans have a set term after which the policy expires. The best plans often establish a term length that coincides with a planned retirement age at which point financial protection is no longer needed. Shorter plans may also be purchased, but you should ask for a policy with an automatic renewal clause. Otherwise, if you become sick, you may not be allowed to extend your term life insurance policy because you've become too great a risk. Different term life insurance plans can establish premiums and benefits that are fixed or adjustable.
 
Accidental Death and Dismemberment: This insurance offers additional coverage in the event of accidental death or certain other serious injuries including loss of limb or paralysis. Many people choose an accidental death and dismemberment insurance policy as a supplemental rider to low-cost life insurance. The suddenness of accidental death can create extra hardships for families and dependents, and these policies may create double indemnity coverage for these circumstances. Some employers offer this coverage as a perk, often for positions that require a great deal of travel.

Ask on applicationOnlineNoAsk on applicationNetQuote
NetQuote can connect you with the largest network of national and local life insurance agents from the nation’s top companies. NetQuote can provide you with all your life insurance needs, from term, universal or whole life insurance policies that are right for you.
DETAIL INFORMATION >>		Services

Services

Get free Life Insurance quotes


Restrictions

Restrictions

Ask on application


Advantages

Advantages

1. Save up to $500 or more.
2. 1 Form = 5 Quotes.
3. All the top companies.


Disadvantages

Disadvantages

1. You have to apply to obtain fees and charges
2. You have to apply to obtain deductible.

Online Insurance Advisor
Online Insurance Advisor		Dependent on providerDependent on providerVariesType

Cover Type

Business and Personal


Level

Cover Level

Standard


Detail

Cover Detail

Ask on application

Dependent on providerOnlineYesOptions available for all risk factorsOnline Insurance Advisor
Online Insurance Advisor offer life insurance with the flexibility to meet your financial needs. Your eligibility for a life insurance quote is dependent on several factors, such as health and type of employment. If you qualify, the payments for your life insurance policy will be based on factors such as your age, gender, health and occupation.
DETAIL INFORMATION >>		Services

Services

Life insurance


Restrictions

Restrictions

See website for details


Advantages

Advantages

1. Life insurance helps make sure that the people you care about will be provided for financially, even if you're not there to care for them yourself.
2. Life insurance can be a great part of your family safety net, especially if you have financial dependents.
3. Get a Free Instant Quote Online.
4. Save Up to $300
5. Compare Insurance Quotes!


Disadvantages

Disadvantages

1. Website has limited information.
2. You have to apply to obtain fee and charges.

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