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Best place to get term life insurance quotes?

Posted on 2/19/24 at 9:39 am
Posted by Uncle JackD
Member since Nov 2007
58622 posts
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
Posted by thunderbird1100
GSU Eagles fan
Member since Oct 2007
68253 posts
Posted on 2/19/24 at 9:40 am to
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 by Uncle JackD
Member since Nov 2007
58622 posts
Posted on 2/19/24 at 9:44 am to
Got a broker site recommendation?
Posted by thunderbird1100
GSU Eagles fan
Member since Oct 2007
68253 posts
Posted on 2/19/24 at 9:50 am to
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
Posted by Uncle JackD
Member since Nov 2007
58622 posts
Posted on 2/19/24 at 9:54 am to
Thanks I’ll give it a look.
Posted by Bjorn Cyborg
Member since Sep 2016
26465 posts
Posted on 2/19/24 at 10:02 am to
selectquote.com

Biggest online agency. They rep all the major lines.

Posted by ApexHunterNetcode
Member since Aug 2023
255 posts
Posted on 2/19/24 at 10:40 am to
Term4sale.com. Used a local broker but rates were consistent.
Posted by ColoradoAg03
Denver, CO
Member since Oct 2012
6103 posts
Posted on 2/19/24 at 11:02 am to
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 by TheChosenOne
Member since Dec 2005
18512 posts
Posted on 2/19/24 at 11:04 am to
I went with Intelliquote.com several years back and it was easy and painless.
Posted by lighter345
Member since Jan 2009
11863 posts
Posted on 2/19/24 at 11:29 am to
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 by ynlvr
Rocket City
Member since Feb 2009
4583 posts
Posted on 2/19/24 at 12:26 pm to
I’ve successfully used selectquote.com multiple times.
Posted by TheChosenOne
Member since Dec 2005
18512 posts
Posted on 2/19/24 at 12:34 pm to
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 by Uncle JackD
Member since Nov 2007
58622 posts
Posted on 2/19/24 at 12:59 pm to
Thanks guys. Select quote got us set up with banner life insurance if all checks out. Have yall heard of them ?
Posted by BamaCoaster
God's Gulf
Member since Apr 2016
5240 posts
Posted on 2/19/24 at 1:21 pm to
quote:

banner life insurance


Yes. Not the best. Not the worst.
You’ll be fine.
Posted by Uncle JackD
Member since Nov 2007
58622 posts
Posted on 2/19/24 at 1:29 pm to
Just so they pay momma if I bite the dust
Posted by Big Jim Slade
Member since Oct 2016
4900 posts
Posted on 2/20/24 at 12:06 am to
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.
Posted by TDsngumbo
Alpha Silverfox
Member since Oct 2011
41440 posts
Posted on 2/20/24 at 5:35 am to
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 by JDPndahizzy
JDP
Member since Nov 2013
6386 posts
Posted on 2/20/24 at 1:11 pm to
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 by TDsngumbo
Alpha Silverfox
Member since Oct 2011
41440 posts
Posted on 2/20/24 at 3:15 pm to
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 by JDPndahizzy
JDP
Member since Nov 2013
6386 posts
Posted on 2/20/24 at 3:40 pm to
quote:

$44.50/month


I said...

quote:

$534 a month


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