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Started By
Message
Best place to get term life insurance quotes?
Posted on 2/19/24 at 9:39 am
Posted on 2/19/24 at 9:39 am
Looking to get term policies for the wife and I. Where should I begin? What’s the most reputable companies in the area. Guy I know works for primerica, thoughts on those guys? Thank you.
This post was edited on 2/19/24 at 9:41 am
6
Posted on 2/19/24 at 9:40 am to Uncle JackD
We did an online brokerage and had people contact us. Got a $500k 30 year policy for the wife some years ago for like $400/yr.
Posted on 2/19/24 at 9:44 am to thunderbird1100
Got a broker site recommendation?
Posted on 2/19/24 at 9:50 am to Uncle JackD
LINK /
Thats who we used, got contacted by a few places and ended up going with Minnesota Life/Securian as it was cheapest, premium is $439/yr for $500k/30 yr. She was 33-34 at the time of policy start
Thats who we used, got contacted by a few places and ended up going with Minnesota Life/Securian as it was cheapest, premium is $439/yr for $500k/30 yr. She was 33-34 at the time of policy start
Posted on 2/19/24 at 9:54 am to thunderbird1100
Thanks I’ll give it a look.
Posted on 2/19/24 at 10:02 am to Uncle JackD
selectquote.com
Biggest online agency. They rep all the major lines.
Biggest online agency. They rep all the major lines.
Posted on 2/19/24 at 10:40 am to Bjorn Cyborg
Term4sale.com. Used a local broker but rates were consistent.
Posted on 2/19/24 at 11:02 am to Uncle JackD
Do you have a financial advisor or planner? He/she could probably put together quotes for you as well.
This post was edited on 2/19/24 at 11:03 am
Posted on 2/19/24 at 11:04 am to Uncle JackD
I went with Intelliquote.com several years back and it was easy and painless.
Posted on 2/19/24 at 11:29 am to TheChosenOne
What’s the requirements for a physical on these things? Do they make you get one before you get it? Submit most recent blood work up or what?
Posted on 2/19/24 at 12:26 pm to Uncle JackD
I’ve successfully used selectquote.com multiple times.
Posted on 2/19/24 at 12:34 pm to lighter345
They sent a nurse to our house to check blood pressure and a few other things. It’s been a few years, so I can’t recall the specifics. You may be able to have your doctor submit everything.
Posted on 2/19/24 at 12:59 pm to ynlvr
Thanks guys. Select quote got us set up with banner life insurance if all checks out. Have yall heard of them ?
Posted on 2/19/24 at 1:21 pm to Uncle JackD
quote:
banner life insurance
Yes. Not the best. Not the worst.
You’ll be fine.
Posted on 2/19/24 at 1:29 pm to BamaCoaster
Just so they pay momma if I bite the dust 
Posted on 2/20/24 at 12:06 am to Uncle JackD
Lemonade.com
I thought they were a small online company (with a quirky name and marketing campaign) that offered pet insurance and renters insurance to college kids. But they offer very inexpensive term life policies up to $1.5mil through North American Life [AM Best A+ rating]. No medical exam required for certain levels of limits and the online app literally took 5 min. Premium is auto-debited from Amex monthly (miles earned). It was about half of my previous Zurich policy premium after the term period expired. The sign-up was entirely hassle free as has maintains the policy.
Ethos is another online product with cheaper rates and no medical exam required.
I thought they were a small online company (with a quirky name and marketing campaign) that offered pet insurance and renters insurance to college kids. But they offer very inexpensive term life policies up to $1.5mil through North American Life [AM Best A+ rating]. No medical exam required for certain levels of limits and the online app literally took 5 min. Premium is auto-debited from Amex monthly (miles earned). It was about half of my previous Zurich policy premium after the term period expired. The sign-up was entirely hassle free as has maintains the policy.
Ethos is another online product with cheaper rates and no medical exam required.
Posted on 2/20/24 at 5:35 am to BamaCoaster
quote:
banner life insurance Yes. Not the best. Not the worst. You’ll be fine.
what? Banner/LGA is one of the oldest and highest rated term life insurance companies in existence. What are you basing your opinion on? I’d really like to know. Posted on 2/20/24 at 1:11 pm to TDsngumbo
quote:
what? Banner/LGA is one of the oldest and highest rated term life insurance companies in existence.
Got quoted $1m -30 year coverage for $534 a month.. I'm 53.. I don't plan to live to 83, seems like a good deal.
Posted on 2/20/24 at 3:15 pm to JDPndahizzy
quote:
Got quoted $1m -30 year coverage for $534 a month.. I'm 53..
That’s a really good deal. $44.50/month for a million dollar 30 year policy on a 53 year old? Did your agent ask you any health or underwriting questions at all or did they just quote best rates possible?
Posted on 2/20/24 at 3:40 pm to TDsngumbo
quote:
$44.50/month
I said...
quote:
$534 a month
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