Level Term Life Insurance

Term life insurance is perhaps the easiest and most straightforward type of life insurance. The cost is affordable, and premiums and coverage are guaranteed to stay the same.
Get a Free Quote
Level Term Life Insurance

Written by Brian Greenberg
CEO / Founder & Licensed Insurance Agent

Last updated: April 24th, 2023

Reviewed by Lisa A Koosis
Medical Claims Specialist

Best Guaranteed Level term life insurance

Guaranteed level term life insurance provides coverage for a fixed period, with locked-in premiums and death benefit, ensuring financial protection for beneficiaries.

CompanyInfoRatingRecommendationQuote
Legal and GeneralRecommended.
1 - 10 days.
No medical exam options.
*Convertible.
Agent assisted.
★★★★★
Legal & General Review
A+ rated company. Great prices. Good for healthy people, and those with medical conditions.Go
Assurity LifeRecommended.
1 - 5 days.
No medical exam options.
*Convertible.
Agent assisted.
★★★★★
Assurity Life Review
For those that prefer not to take a medical exam.Go

*A convertible life insurance policy offers flexibility, allowing you to transition from term coverage to permanent without evidence of insurability. It secures lifelong protection and can accumulate cash value, adapting to your changing financial needs and health status.

What is Level Term Life Insurance?

Term life insurance is perhaps the easiest, most straightforward type of life insurance. The cost is affordable, and premiums and coverage often stay the same, depending on the type of term policy you purchase. Level term life insurance, in particular, is often an attractive option.

How Does Term Life Insurance Work?

Term life insurance is simple. You choose how much coverage you want and how long you want the coverage for (known as the term). If the insured passes away during the chosen term, the beneficiaries receive a check for bank deposit in the amount of the death benefit.

During the term, the cost (known as the premium) doesn’t increase. The benefit stays the same unless the policy is set up to reduce the benefit over time.

Furthermore, the insurance company will not cancel the policy, even if your health changes or you develop serious health conditions. The only time the insurer will cancel your policy is if you miss payments or if fraud or misleading information is found in the application.

Ready to shop for life insurance?
Start here

Choosing Term Life Insurance Coverage

Multiplying your annual income by 10 to 15 is a simple way to calculate your coverage needs. For example, if you make $50,000 a year, $750,000 of coverage is a good rule of thumb. You should also consider other factors, such as any outstanding debt you want the benefit to pay off if you pass away.

But you shouldn’t have to struggle to make life insurance policy payments. A $50,000 policy you can easily afford is better than a $750,000 policy that may lapse because you missed payments. Be sure to compare rates for multiple coverage amounts, and make sure you can afford the policy you get. If you find you can’t make the payments, you can ask the company to decrease the death benefit to lower your payments. Conversely, you cannot increase the death benefit without re-applying.

Choosing the Policy Term

The policy term is the amount of time the contract between you and the insurer lasts. Most insurance companies offer 5-, 10-, 15-, 20-, 25-, and 30-year policies. Some even offer 40-year policies.

The maximum term period available to you will depend on your age. Most likely, you won’t be able to get coverage beyond age 90 with a term policy. Keep in mind that you can always cancel your term life insurance policy if you no longer need it.

It may be better to opt for a 20-year term to be on the safe side. This may cost more than a 10-year term policy. However, you could save a lot of money compared to choosing two consecutive 10-year terms. That’s because during the 10-year period you hold the first plan, costs could go up for a variety of reasons, including your health and age.

Medical Examination

Medically underwritten term life insurance policies offer the best price for healthy individuals. But as the name indicates, they require a medical exam.

The medical exam is scheduled with a nurse, paramedic phlebotomist or another medical technician. You may visit an office or have the exam in your own home. In-office visits with a physician may be required if treadmill tests or other similar exams are required.

The medical exam probably isn’t as bad as you think. The medical professional takes your vitals, such as blood pressure and pulse. They may also draw blood and collect a urine sample for a more in-depth review.

If you don’t want to undergo the medical examination, you can opt for a no medical exam term life insurance policy instead.

Don’t Miss Payments

We mentioned it’s better to go with a $50,000 policy that you can afford than a $750,000 you struggle to pay. While some insurers may be more forgiving than others, the insurer will cancel the policy if you miss payments. Most states do offer a grace period of at least 30 days before policies can be canceled. These are state-governed regulations that vary by state.

How Much Does Term Life Insurance Cost?

Probably less than you think. Level term life insurance and other term variants are some of the most affordable types of life insurance available. In fact, according to a recent study, around 50% of people overestimate how much money term life insurance costs.

Other types of life insurance can cost 5 to 210 times more than term life insurance. So, if you’re looking for the most affordable life insurance, term life insurance is for you.

We’ll talk about why term life insurance is so affordable next, but first, here are some sample prices.

Average Term Life Insurance Rates by Age

These rates are calculated for a 20-year term policy.

Age & Gender$50,000$250,000$500,000$1,000,000
25 – Male$8.61$12.35$19.11$31.16
25 – Female$7.83$10.89$15.72$23.47
35 – Male$9.48$13.38$21.28$35.06
35 – Female$8.66$12.12$17.87$29.91
45 – Male$15.27$26.31$46.27$88.85
45 – Female$12.83$21.22$37.20$69.10
55 – Male$31.97$64.81$119.13$227.85
55 – Female$24.71$48.87$88.73$166.17
65 – Male$81.61$201.35$387.35$748.10
65 – Female$63.12$142.47$264.22$508.99

The prices above are sample prices calculated for non-smokers based in Arizona in excellent health. Get a quote to calculate your price.

Why is Term Life Insurance So Inexpensive?

Term life insurance is one of the most affordable types of life insurance. In fact, term life can cost 5 to 20 times less than whole life insurance.

There are a few reasons term life insurance is so affordable:

  • When shopping through an online brokerage, you can compare prices from multiple carriers. This leads to carriers offering competitive pricing to gain your business.
  • A certain percentage of people will miss payments, which leads to the policy getting canceled.
  • There are few administrative costs to underwrite and manage term policies.
  • If you live past the term, the insurance company avoids paying the death benefit.

It’s no surprise it costs more money to buy a new life insurance policy as you get older. That’s true for any kind of life insurance.

Additionally, as you age, your chances of developing one or more health conditions go up. That could also increase the rate you would pay for coverage. In short, the longer you wait, the fewer choices you’ll have for purchasing affordable life insurance.

However, if you buy a term life insurance policy while you’re young and healthy, you can lock in a lower price. This will minimize your cost for coverage as the years go by.

How Do You Choose an Insurance Company?

If you have one or more significant health conditions, such as diabetes or even cancer, not all companies will rate you the same way. Working with an independent agent can help make the shopping and application process easier and your coverage more affordable.

Can the Premiums Change?

It depends on the type of term life insurance. A guaranteed level term life insurance is our recommended, and the most popular, type of term life insurance. With this type of term insurance, the premium and death benefit are guaranteed to stay the same.

Is Term Life Insurance Best for You?

Here are a few scenarios when term life insurance is a great option:

  • If you want life insurance for a certain duration. Some individuals only want life insurance while they need it most. For example, if you’re starting a family, a 20-year term policy will ensure coverage when your spouse and children need it most.
  • If cost is a main deciding factor. Term life insurance is affordable. In fact, dollar for dollar, term life insurance provides the most coverage for the cost.
  • If you are age 50 or older, but you are still in good health. Life insurance gets expensive as you get older. If you are healthy, term life insurance is still an affordable option, even at age 50 and 60.

If you are single or have no children, you probably don’t need life insurance. But if you recently married or started a family, consider buying a term life policy.

How Do Term Life Policies Help Families?

A term life policy is usually the most affordable type of life insurance for young couples who are starting out. Such a policy will help protect your family and make sure they are taken care of in case you die suddenly. For instance, it may help fund your children’s education in your absence.

In that scenario, a term life policy would also help pay for outstanding liabilities. Your spouse and other family members wouldn’t need to worry about obligations like personal loans, credit card debt, mortgages, and car payments.

Should You Buy a Conversion Option With Your Term Life Policy?

We believe so. There are at least two good reasons you might want to convert your term life policy:

  • The first is that it can be expensive to renew a term policy.
  • The second is that age or severe illness can prevent you from qualifying for a permanent form of life insurance. Examples of permanent forms would be universal life insurance or whole life insurance

Here’s an example:

Let’s say a 45-year-old man has a 20-year term policy that includes a 10-year conversion clause. Nine years into the life of the contract, he develops a health issue, such as heart disease or diabetes. Because he’s within his 10-year conversion period, he can convert his temporary policy to a permanent one without another physical exam.

If his term life insurance policy was written without the conversion clause, he would be facing an expiring policy and costly renewal premiums. That’s assuming he was able to get insured at all, given his change in health status.

Even if you don’t develop a health issue, you will get older. That means you’ll find it considerably more expensive to purchase a new policy when your term policy expires.

You can see why it makes sense to at least consider including a conversion option in a term life insurance policy.

How Do You Use a Term Life Conversion Option?

In most cases, a conversion option lets you convert all or part of your term policy to a permanent policy without additional underwriting. That means you probably won’t have to take a physical exam when you convert your policy. The conversion needs to be done within a specified time frame or before you reach a certain age. Either way, you must take advantage of the option to convert the policy before the term ends. You can’t convert it afterward.

When buying a term life insurance policy, always ask if there’s a conversion option. Think of it as leasing your insurance policy with the option to buy it at some point.

What Should You Look for in a Conversion Option?

Keep in mind that conversion options vary from one insurer to the next. Some companies have excellent conversion options, whereas others have terrible options or none at all. You’ll most likely pay a little more to include this type of option in your policy, but it could well be worth it. As we illustrated in the example above, buying a policy without a conversion clause can turn out to be a costly mistake.

We represent dozens of companies. Therefore, a licensed agent can help you decide if a term life insurance policy with a conversion option is your best choice. They can also help determine if another type of coverage — such as permanent variable, whole, or universal life insurance — might be a better decision. Whatever choice you make, we can help you find the right policy at the right price.

What Is the Maximum Term Life Insurance Coverage You Can Get?

Every insurance company uses its own equation to determine the maximum amount of coverage it will offer an applicant. Typically, the equation includes some combination of annual gross household income and net worth.

For most people with a net worth in the “normal” range, the main factor is a multiple of income based on their age

Your AgeRecommended MultipleMaximum Multiple
20 – 30 years old
15x income20x income
31 – 40 years old15x income20x income
41 – 50 years old10x income15x income
51 – 60 years old7x income10x income
61 – 65 years old5x income7x income
66 and older3x income5x income

Different Types of Term Life Insurance

Level Premium Term Life Insurance

Premiums stay the same over the term of the policy. The policy can be renewed at the end of the term, but the premiums will likely be higher at that time.

Annual Renewable Term Life Insurance

The coverage is renewable after a year. The coverage will stay in force, even if the insured person would be rejected when applying for a brand-new policy. Like most other term policies, the premiums are based on the insured’s age at the time of renewal.

Return of Premium Term Life Insurance

If the insured person outlives the term of the policy, the insurance company will pay back, or return, the premiums to the policyholder. The catch is that premiums for return of premium term life insurance policies are about three times higher than for other term policies.

Living Benefits Term Life Insurance

A living benefits life insurance rider is an add-on to a term policy. It lets a still-living insured person use the policy’s benefits to help cover the cost of specific types of expenses, such as medical bills. When you can use the rider depends on the type of living benefit.

Decreasing Term Life Insurance

The benefits steadily decrease over the course of the term. The decreases generally occur at specified annual or monthly intervals.

Guaranteed Level Term Life Insurance

Premiums and coverage remain the same for the duration of the policy.

Non-Guaranteed Level Term Life Insurance

These policies only guarantee stable premiums and coverage for part of the term. After that, premiums and coverage could fluctuate. Keep an eye out for a provision like this in your policy.

Group Life

Usually, these policies are provided by employers. Rather than an individual being the policyholder, it is the employer or organization paying the premiums. There are other ways to get a group life insurance policy outside of getting it through an employer.

What Type of Term Life Insurance is Best?

The best choice depends on your personal scenario and circumstances. However, we typically recommend a guaranteed level term life insurance policy with a term of 20 years. As long as you pay the premiums on time, the premiums and death benefit will stay the same for the entire 20 years. That means guaranteed level term life insurance policies are dependable and consistent.

How to Get Term Life Insurance Quotes

Insurist makes it easy to compare term life insurance rates entirely online.

Getting a Term life Insurance Quote Online

  1. Enter your basic details, like your height, weight, state, and gender.
  2. Compare rates from dozens of carriers
  3. Submit an application request online

Depending on the product and carrier you choose, you may be able to complete every step online.

Either way, our licensed agents are here for you, every step of the way. They can answer your questions and even walk you through the process.

Prefer getting a Term Quote Over the Phone?

We can do that. Just call 1-866-816-2100 and our licensed agents are happy to assist you. They can provide you with multiple rates or find you coverage based on your budget.

If you like the rate we find, we’ll make it easy for you to apply.

Have Our Agents Shop For You: Submit a Request and we’ll Send You Rates

Busy schedule? Don’t feel like calling? We’ll do the work for you. Simply submit a request for us to shop for you, give us some details, and we’ll email you the term rates we find.

Be sure to tell us about your health conditions as well. Perhaps term life insurance isn’t the right for you. In that case, we can present you with alternative options.

Questions About Term Life Insurance

What Happens After the Term Ends?

Typically, the policy will come to an end. Depending on the insurer though, you may be offered an extension before the term ends at an increased premium. Or you could be offered an alternative product depending on your age.

It’s for this reason we recommend getting policies with a conversion clause. These policies let you convert your term policy to a permanent policy when the term ends.

How Does Term Life Insurance Payout?

No matter the insurance product, the “payout” process to the beneficiaries is the same. Generally, beneficiaries must file a claim with the insurance company and present a death certificate to receive a payout on the policy. Death benefits are typically paid as a one-time lump sum.

How much of your income should you spend on life insurance?

The rule of thumb for term life insurance is to spend 1% of your gross income on coverage plus 1% for each dependent. However, everyone’s scenario is different. Keep in mind that the policy will come to an end if you miss payments. It is most important to be able to make the payments comfortably.

Isn’t Term Life Insurance Considered “Renting vs Owning”?

We disagree with the analogy of “renting versus owning” when it comes to life insurance. With a house, for example, the cost of renting vs buying is often similar. In that sense, buying can make more sense than renting.

But with life insurance, the cost of “renting” (term) compared to buying (permanent) is often 10 times less!

Search for Reviews

Before you choose an insurance company, search online for company reviews and complaints. See if the company has a good reputation from customers who have already purchased from them. The Better Business Bureau and Google Business are good places to start. There are sites online that are dedicated to conducting life insurance company reviews that share the positives and negatives of each company.

Level Term Life Insurance Reviews

4.8 /5
Based on 259 reviews

Excellent
85%
Great
12%
Average
3%
Poor
0%
Bad
0%
Sep 06,2023
Jon Bryson Verified
Albuquerque,NM
The process was very straightforward.
Company:
Savings Bank Life Insurance Co of MA
Product:
Level Term
Policy length:
10 years

Aug 02,2023
Gabriel DeGedeon Verified
Brooklyn,NY
Excellent! Jennifer Plisch was well informed from the start of our first conversation about the situation I am in. The whole process took a longer than expected. But Jennifer Plisch was patient and helped me along the way.
Company:
William Penn Life Insurance Co of NY
Product:
Penn Term
Policy length:
20 years

Mar 23,2023
John Lafferty IV MD Verified
,FL
Excellent service thanks.
Company:
Pruco Life Insurance Company
Product:
Term Essential
Policy length:
10 year

Feb 21,2023
Demetria James Verified
,SC
It was excellent and fast
Company:
Banner Life Insurance Company
Product:
OPTerm
Policy length:
20 year

Nov 10,2022
Lisa Cervantes Verified
Burbank,CA
Everything was easy and smooth. I have a few policies with SBLI and their premiums are good for my budget and the staff is super friendly.
Company:
Savings Bank Life Insurance Co of MA
Product:
Level Term
Policy length:
20 years

Jun 19,2021
Jesse Gurman Verified
,
I had a great experience, the application was easy to complete and Julie helped answer all of my questions and make the process very smooth.
Company:
Banner Life
Product:
OPTerm
Policy length:
30 year

Jun 07,2021
Fermin Rene Camarillo Verified
San Antonio,TX
Communication Consultation was EXCELLENT
Company:
American General Life Insurance Company
Product:
Select-a-Term
Policy length:
20 years

Jun 03,2021
Clint Sparks Verified
Lucerne,IN
Protective Life Insurance was easy to work with and very professional. They provide excellent rates, especially for people age 50 or above. The application process was simple and the issued life insurance policy is easy to read and understand. Thank you Protective Life Insurance for all your help.
Company:
Protective Life
Product:
Custom Choice UL
Policy length:
20 years

Apr 06,2021
Bidur Shrestha Verified
,TX
Quick and easy process.
Company:
Savings Bank Life Insurance Co of MA
Product:
Level Term
Policy length:
30 year

Mar 25,2021
Shayla Johnson Verified
Albany,NY
My experience applying for life insurance was easy and straighforward with no surprises.
Company:
William Penn Life Insurance Co of NY
Product:
Penn Term
Policy length:
20 years

Mar 07,2021
Roger Chen Verified
Camas,WA
Excellent service and communication!
Company:
American National Insurance Company
Product:
Signature Term - No Med
Policy length:
20 years

Feb 23,2021
Gordon Hanson Verified
Richfield,MN
The process was smooth.
Company:
Protective Life
Product:
Custom Choice UL
Policy length:
10 years

Feb 09,2021
Mason Keresty Verified
Middletown,DE
Very easy to work with, can’t imagine doing this process without foresters.
Company:
Independent Order of Foresters
Product:
Your Term
Policy length:
20 years

Jan 18,2021
Candace Frank Verified
Powell,OH
An easy and thorough process!
Company:
American National Insurance Company
Product:
Signature Term - No Med
Policy length:
20 year

Dec 24,2020
Anthony Fuller Verified
,NJ
Very straightforward application process
Company:
Pruco Life Insurance Company
Product:
Term Essential
Policy length:
10 year

Dec 10,2020
Daniel Price Verified
Rosemont,IL
Great coverage and excellent rate!
Company:
Lincoln National Life Insurance Company
Product:
TermAccel
Policy length:
20 year

Dec 03,2020
Terry Stubbs Verified
Orange Park,FL
True Blue offers exceptional rates that no other insurance company can top. Great choice.
Company:
Savings Bank Life Insurance Co of MA
Product:
Level Term
Policy length:
10 years

Nov 29,2020
James Russo Verified
234 Emmy Cove,FL
The process was thorough and transparent. I would highly recommend working with SBLI for the A+ communication and the policy matching what was promised.
Company:
Savings Bank Life Insurance Co of MA
Product:
Level Term
Policy length:
10 years

Nov 24,2020
Perla Ong Verified
Stockton,CA
Excellent experience
Company:
Savings Bank Life Insurance Co of MA
Product:
Level Term
Policy length:
20 year

Nov 18,2020
Robert Sangalli Verified
Stormville,NY
Overall very good experience and very pleased
Company:
William Penn Life Insurance Co of NY
Product:
Penn Term
Policy length:
20 years

Nov 03,2020
Noel Ross Verified
Springfield,PA
The process was pretty seamless and wasn’t too involved. Much better then the process with Banner!
Company:
Assurity Life Insurance Company
Product:
Select-a-Term
Policy length:
30 years

Nov 01,2020
Linda Kisciras Verified
Lanoka Harbor,NJ
This by far was the best experience I have ever had applying for life insurance. Effortless, affordable and professional. Excellent policy at a great price. Thank you.
Company:
Savings Bank Life Insurance Co of MA
Product:
Level Term
Policy length:
20 years

Oct 13,2020
Courtney Featherstone Verified
,UT
Easy and quick! Basic
Company:
Savings Bank Life Insurance Co of MA
Product:
Level Term
Policy length:
30 year

Oct 08,2020
Alicia(Kelly) Day Verified
Stormville,NY
There were some issues with miscommunication or computer glitches. Appointments made and then changed and alot of waiting. The people themselves were all wonderful, friendly and eager to correct issues.
Company:
William Penn Life Insurance Co of NY
Product:
Penn Term
Policy length:
20 year

Oct 07,2020
Lisa Wilson Verified
,WA
Daniel and Jill were so nice to work with. Professional, quick service, great life insurance policy. Top rate
Company:
Savings Bank Life Insurance Co of MA
Product:
Level Term
Policy length:
10 years

Oct 02,2020
Natalie Hutchinson Verified
,North Carolina
Applying for life insurance was a very quick and easy process.
Company:
Savings Bank Life Insurance Co of MA
Product:
Level Term
Policy length:
20 year

Sep 26,2020
Ladeasha (Wheeler) Buchanan Verified
Dallas,TX
My experience was great
Company:
Savings Bank Life Insurance Co of MA
Product:
Level Term
Policy length:
10 years

Sep 24,2020
Tim Sundy Verified
Cumming,GA
The process was very easy and it was all completed over the phone. I spent 30 minutes and within a week I was notified of my approval.
Company:
Savings Bank Life Insurance Co of MA
Product:
Level Term
Policy length:
10 year

Sep 12,2020
Joshua Friedman Verified
Monteclair,NJ
The team made it straight-forward to apply for—and receive—life Insurance.
Company:
Pruco Life Insurance Company
Product:
Term Essential
Policy length:
20 year

Sep 10,2020
Rashad Myers Verified
,TX
Expedient. Approved same day Nnsmmsmsmsks
Company:
Independent Order of Foresters
Product:
Your Term
Policy length:
20 years

Aug 12,2020
Ramon Chacon Verified
Rocklin,CA
Excellent, appreciate the customer service. A+
Company:
Savings Bank Life Insurance Co of MA
Product:
Level Term
Policy length:
20 years

Aug 11,2020
John Glenn Verified
Charlotte,NC
Great experience. Was there for any question.
Company:
Savings Bank Life Insurance Co of MA
Product:
Level Term
Policy length:
20 years

May 14,2020
Suzanna Mendoza Verified
Lawndale,CA
Quick. Fast. User friendly website.
Company:
American National Insurance Company
Product:
Signature Term - No Med
Policy length:
15 year

May 01,2020
Tyler Underwood Verified
Houston,TX
The process was fast & easy
Company:
Protective Life Insurance Company
Product:
Custom Choice UL
Policy length:
30 years

Apr 14,2020
Venkatesh Venkatasamy Verified
Pleasanton,CA
Awesome experience during my insurance application process
Company:
American National Insurance Company
Product:
Signature Term - No Med
Policy length:
20 years

Apr 14,2020
Harvey Wells Verified
Akron,OH
The agent Nikki Walker provided me with excellent service. She listened and understood my need to obtain inexpensive whole life coverage for my father. The only reason I am not rating the company a five-star is because when I received my confirmation coverage letter, it had the wrong information on it. I believe that was done by one of her associates not the agent herself. When it comes to transactions involving a credit card number, it is really important that anticipated charges are accurately reflected. Nikki was very apologetic for it and I appreciate her. I would definitely recommend her to others. Rita Wells Gorder
Company:
AIG/Guaranteed Issue
Product:
Select-a-Term
Policy length:
Guaranteed Acceptance Life Insurance

Feb 13,2020
Allan (Peter) Phillips Verified
,FL
very good, would recommend
Company:
Banner Life
Product:
OPTerm
Policy length:
15 year

Feb 11,2020
Minh Vo Verified
San Jose,CA
I did an online application and with the help from some agent like Nikki Walker everything went smooth.
Company:
Banner Life Insurance Company
Product:
OPTerm
Policy length:
30 years

Nov 17,2019
Loueyee Elbusefi Verified
Lees Summit,MO
Excellent experience
Company:
American General Life Insurance Company
Product:
Select-a-Term
Policy length:
20 year

Nov 08,2019
Takahiro Akatsu Verified
Arlington,MA
It was easy and Jen helped me a lot. Thank you!
Company:
John Hancock Life Insurance Company USA
Product:
Hancock Term
Policy length:
20 years

Nov 07,2019
Robert Mattson Verified
Suprise,AZ
Cheryl was very helpful in the process and was there to answer all my concerns.
Company:
Principal National Life Insurance Co
Product:
Term Life
Policy length:
10 years

Oct 28,2019
Roger Chen Verified
Camas,WA
The process went smoothly once Jennifer was assigned as my agent.
Company:
American National Insurance Company
Product:
Signature Term - No Med
Policy length:
20 years

Oct 03,2019
Eric Mutnan Verified
Sugar Land,TX
Jennifer Plisch worked hard to get the affordable term life coverage that I needed when everyone else either told me I was uninsurable or wanted to put me in a table rated policy. Thanks a bunch!
Company:
Mutual Of Omaha
Product:
Term Life Answers
Policy length:
30 years

Aug 21,2019
Garrick Haltiwanger Verified
Clearwater,FL
Good experience. I had tons of questions and they were all addressed.
Company:
Banner Life Insurance Company
Product:
OPTerm
Policy length:
10 years

Aug 14,2019
Kevin Beidelman Verified
Coon Rapids,MN
Very fast and easy to understand.
Company:
Protective Life & Annuity Insurance Co
Product:
Custom Choice UL
Policy length:
20 years

Jun 26,2019
Shawn McDonell Verified
Cheektowaga,NY
Pretty easy and straight forward. Communication amongst everyone involved was good.
Company:
William Penn Life Insurance Co of NY
Product:
Penn Term
Policy length:
30 years

Jun 25,2019
Yong Suk Verified
Sorrento,FL
Jennifer Plisch was great to work with and the price quoted to me at the time I applied was accurate and the price was actually a little lower when the policy was approved.
Company:
American General Life Insurance Company
Product:
Select-a-Term
Policy length:
20 years

Jun 25,2019
Stephen (Steve) Cales Verified
Sorrento,FL
The process was easy and my agent Jennifer Plisch was in contact with me every step of the way. The experience with AIG was smooth and they answered all my questions.
Company:
American General Life Insurance Company
Product:
Select-a-Term
Policy length:
20 years

Jun 20,2019
Richard Resto Verified
Long Island,NY
App process was painless. When there was a issue getting the docs they needed, they stepped in and made it happen and foot the bill for the paperwork requested. I’d highly recommend them to anyone.
Company:
William Penn Life Insurance Co of NY
Product:
Penn Term
Policy length:
10 year

Apr 12,2019
William Briner Verified
Leonardtown,MD
Application was easy, medical exam quick and on time, and price was better than competitors. Great value, great product.
Company:
Banner Life Insurance Company
Product:
OPTerm
Policy length:
10 years

Apr 01,2019
Marites Drury Verified
Navarre,FL
It was easy, and very fast.
Company:
American National Insurance Company
Product:
Signature Term - No Med
Policy length:
30 years

Mar 15,2019
Jonathan St Amour Verified
Underhill,VT
Easy application! Thank you
Company:
American National Insurance Company
Product:
Signature Term - No Med
Policy length:
20 years

Mar 10,2019
James Langhoff Verified
Linstrom,MN
Everything seemed to go as it should. There was some extra information we needed to verify But it was done in a timely manner.
Company:
American National Insurance Company
Product:
Signature Term - No Med
Policy length:
10 years

Mar 01,2019
Michael Baer Verified
Kalamazoo,MI
Excellent Customer service.
Company:
Banner Life Insurance Company
Product:
OPTerm
Policy length:
20 years

Feb 27,2019
Ruiming Liang Verified
Collierville,TN
very good service!highly recommended!
Company:
American National Insurance Company
Product:
Signature Term - No Med
Policy length:
30 years

Feb 12,2019
Rebecca Riddle Verified
Milwaukee,WI
It was a long process but they helped me gather everything I needed for approval and were responsive when I called for questions.
Company:
Protective Life & Annuity Insurance Co
Product:
Custom Choice UL
Policy length:
20 year

Jan 09,2019
Siarhei Ihnatovich Verified
Sacramento,CA
Fantasticand excellent company
Company:
American General Life Insurance Company
Product:
Select-a-Term
Policy length:
30 years

Nov 18,2018
Amanda Hamblett Verified
Washburn,MO
This is our first time dealing with ANICO. Pleased so far. More coverage and benefits for less money than our previous policies we had with a competitor.
Company:
American National
Product:
Signature Term - No Med
Policy length:
15 years

Nov 12,2018
Mateen Wahidi Verified
,CA
Very happy and impressed with personnel
Company:
American National
Product:
Signature Term - No Med
Policy length:
30 year

Nov 09,2018
Sam Dupre Verified
,IN
Protective Life made the application and interview process simple and easy. I was able to do everything I needed online and my application was processed quickly.
Company:
Protective Life Insurance Company
Product:
Custom Choice UL
Policy length:
20 year

Nov 07,2018
John Renner Verified
Moore,SC
Reasonably priced. Documents arrived in a timely manner. Policy was easy to follow.
Company:
American National Insurance Company
Product:
Signature Term - No Med
Policy length:
20 years

Oct 30,2018
Phillip Lynch Verified
Naperville,IL
It was a good experience
Company:
American National Insurance Company
Product:
Signature Term - No Med
Policy length:
15 years

Oct 18,2018
Kierra Williams Verified
Starkville,MS
Great experience , love it
Company:
American National Insurance Company
Product:
Signature Term - No Med
Policy length:
To Age 121 Level (No Lapse U/L)

Oct 17,2018
Edward (Stacey) Gardiner Verified
,CT
really great service
Company:
American National Insurance Company
Product:
Signature Term - No Med
Policy length:
10 years

Oct 14,2018
Trevor Cannon Verified
4415 Northcrest drive #221,TX
Thus far seems like a great company.
Company:
American National Insurance Company
Product:
Signature Term - No Med
Policy length:
10 years

Oct 07,2018
Suzanne Ryan Verified
Trumbull,CT
So far it has been excellent
Company:
American National Insurance Company
Product:
Signature Term - No Med
Policy length:
15 years

Oct 05,2018
Nancy Pace Verified
Benton,KY
Very good experience
Company:
American National Insurance Company
Product:
Signature Term - No Med
Policy length:
10 years

Oct 04,2018
Pat Patry Verified
Fitzgerald,GA
Very happy with the overall experience.
Company:
American National Insurance Company
Product:
Signature Term - No Med
Policy length:
20 years

Sep 14,2018
Emily Rivenes Verified
Nevada City,CA
Very fast response. Great rates. Easy application process
Company:
American National Insurance Company
Product:
Signature Term - No Med
Policy length:
20 years

Sep 13,2018
Lessie Jackson Verified
Galveston,TX
American National Insurance Co. was very efficient in processing my application. They let me know what was needed and once I provided them with the information they moved quickly to process me. Great company!
Company:
American National Insurance Company
Product:
Signature Term - No Med
Policy length:
20 years

Sep 13,2018
Buck Grainger Verified
Seaford,VA
Good experience... hassle free. Very pleased.
Company:
American National Insurance Company
Product:
Signature Term - No Med
Policy length:
10 years

Sep 05,2018
Kittiele Potts Verified
Simms,TX
Was a very good overall experience. I would definitely recommend them to someone else.
Company:
American National Insurance Company
Product:
Signature Term - No Med
Policy length:
20 years

Aug 29,2018
Charles Lykins Verified
Winchester,KY
Very satisfied with the experience.
Company:
American National Insurance Company
Product:
Signature Term - No Med
Policy length:
20 years

Aug 21,2018
Andrew Hayes Verified
,KY
Nikki did an excellent job. She was very patient with us and answered all of our questions.
Company:
American National Insurance Company
Product:
Signature Term - No Med
Policy length:
30 years

Aug 15,2018
Yesenia Kuenster Verified
,IL
Great service! It didn’t take long before I got a call with the information of what I needed to do to get my policy issued!! Getting a policy with you was super fast and painless with zero aggravation. I’m very satisfied with the service I received! Thank you!
Company:
American National Insurance Company
Product:
Signature Term - No Med
Policy length:
30 year

Aug 15,2018
Eiichi Nishino Verified
Palatine,IL
The company turned around our application in one day, which was very surprising because I was expecting to wait about a week.
Company:
American National Insurance Company
Product:
Signature Term - No Med
Policy length:
20 years

Aug 14,2018
Jacob Kuenster Verified
Cary,IL
I would recommend to my close friends and family
Company:
American National Insurance Company
Product:
Signature Term - No Med
Policy length:
30 years

Aug 07,2018
Michael Rhodes Verified
Fort Meyers,FL
Appreciate the timely response.
Company:
American National Insurance Company
Product:
Signature Term - No Med
Policy length:
20 years

Aug 07,2018
Thomas Ryan Verified
Fairfax,VA
Had a great experience. Highly recommend.
Company:
American National Insurance Company
Product:
Signature Term - No Med
Policy length:
20 years

Jul 29,2018
George Kuchler Verified
,NJ
It was great! Was wonderful doing business with!
Company:
American National Insurance Company
Product:
Signature Term - No Med
Policy length:
20 years

Jul 25,2018
Kristen Blakney Verified
Concord,CA
It was nice being able to set up my insurance so easy without a lot of back and fourth.
Company:
Banner Life
Product:
OPTerm
Policy length:
20 years

Jul 24,2018
Amanda Bienek Verified
Selma,TX
Friendly, helpful and easy to communicate with agents.
Company:
American National Insurance Company
Product:
Signature Term - No Med
Policy length:
20 years

Jul 13,2018
Agata Brantingham Verified
,IL
I really like that the decision was quick, the whole process was easy and fast.
Company:
American National Insurance Company
Product:
Signature Term - No Med
Policy length:
20 years

Jul 12,2018
Christopher Rorie Verified
,NC
Very affordable, easy
Company:
American National Insurance Company
Product:
Signature Term - No Med
Policy length:
30 years

Jul 09,2018
John Wright Verified
Philadelphia,PA
The insurance policy is one of the best rates I received. Cheryl and Julie responded to all my request
Company:
Banner Life Insurance Company
Product:
OPTerm
Policy length:
10 years

Jul 05,2018
Nancy Harris Verified
,TN
So far I’ve been very satisfied with the process, and I’m happy to have my life insurance policy in place.
Company:
American National Insurance Company
Product:
Signature Term - No Med
Policy length:
15 years

Jun 26,2018
Yvette Palmer Verified
North Wales,PA
5 Stars straight forward answers & affordable price
Company:
American National Insurance Company
Product:
Signature Term - No Med
Policy length:
10 years

Jun 12,2018
Eleanor Luna Verified
West Sacramento,CA
Easy process and agents were very easy to contact
Company:
American National Insurance Company
Product:
Signature Term - No Med
Policy length:
20 years

Jun 08,2018
David Robbins Verified
Johns Creek,GA
Several times during process there seemed to be significant confusion as to what needed to be done or lack of communication. I am not so sure that some of the issue is the IT organization or design within Protective.
Company:
Protective Life Insurance Company
Product:
Custom Choice UL
Policy length:
10 years

Jun 03,2018
Dale Richardson Verified
,MN
Good told me where we were in a short period of time
Company:
Banner Life Insurance Company
Product:
OPTerm
Policy length:
10 years

May 28,2018
Jamar Lee Verified
Philadelphia,PA
Excellent service was great and follow up was
Company:
American National Insurance Company
Product:
Signature Term - No Med
Policy length:
20 years

May 26,2018
Shelia Ellis Verified
,TX
Service was very prompt.
Company:
American National Insurance Company
Product:
Signature Term - No Med
Policy length:
20 years

May 01,2018
David Shelton Verified
,AZ
fast approval fair rates
Company:
American National Insurance Company
Product:
Signature Term - No Med
Policy length:
10 years

Apr 20,2018
Tracy LaRusso Verified
Lyndhurst,NJ
I am very satisfied thus far.
Company:
American National Insurance Company
Product:
Signature Term - No Med
Policy length:
20 years

Apr 11,2018
Shaniska Needham Verified
Jacksonville,FL
The process was quick, convenient and easy.
Company:
American National Insurance Company
Product:
Signature Term - No Med
Policy length:
30 years

Apr 08,2018
Venus Edwards Verified
Colton,CA
Quotes were reasonable
Company:
American National Insurance Company
Product:
Signature Term - No Med
Policy length:
30 years

Mar 19,2018
Gary Trucks Verified
,MI
Fast processing and reasonable rates.
Company:
American National Insurance Company
Product:
Signature Term - No Med
Policy length:
20 years

Mar 17,2018
Joshua Cope Verified
,CA
Easy process application 30year term no medical test needed. Pretty good rate considering no medical exam. Very quick to accept the policy and make it active.
Company:
American National Insurance Company
Product:
Signature Term - No Med
Policy length:
30 years

Mar 01,2018
Patricia Boyle Verified
Cherry Hill,NJ
So far I have no complaints. My policy was approved with minimal hassle, just a few questions about recent medical tests & treatments which I feel were reasonable questions. Their prices were cheaper than other insurance plans and their company is reputable so that's why I chose them. Why pay more? I haven't started my payment plan yet but I don't anticipate any problems.
Company:
American National Insurance Company
Product:
Signature Term - No Med
Policy length:
15 year

Feb 23,2018
Gary Hamblin Verified
Ladera Ranch,CA
Banner Life was great, as they made the approval process simple, and the best part is that they are quick.
Company:
Banner Life Insurance Company
Product:
OPTerm
Policy length:
20 years

Feb 18,2018
Brian Meek Verified
,TX
Very happy with my experience.
Company:
American National Insurance Company
Product:
Signature Term - No Med
Policy length:
20 years

Feb 04,2018
Gary Francis Verified
,VT
They were prompt in the process and their price was what they promised. Hopefully I won't have to use the policy, and I sleep better now.
Company:
American National Insurance Company
Product:
Signature Term - No Med
Policy length:
10 years

Jan 31,2018
Jean-Louis Chalaye Verified
,NV
FLAWLESS SERVICE AND TRANSITIONING FROM ONE POLICY TO ANOTHER.
Company:
American National Insurance Company
Product:
Signature Term - No Med
Policy length:
10 year

Jan 29,2018
Chris Greenwood Verified
Port Charlotte,FL
Very slow on getting medical records and reviewing
Company:
Savings Bank Life Insurance Co of MA
Product:
Level Term
Policy length:
10 years

Jan 26,2018
Gwendolyn Dick Verified
Fresno,TX
I like American national. Plenty good reviews of company
Company:
American National Insurance Company
Product:
Signature Term - No Med
Policy length:
20 years

Jan 24,2018
Charles Kelly Verified
,AL
The company treated me with reaspect. The application process was efficient and simple.
Company:
American National Insurance Company
Product:
Signature Term - No Med
Policy length:
20 year

Jan 23,2018
Michelle Allen Verified
,FL
I am very pleased with my policy and the service so far received from American national insurance company.
Company:
American National Insurance Company
Product:
Signature Term - No Med
Policy length:
20 years

Jan 19,2018
Lawrence Montz Verified
,TX
Smooth transition satisfied with plan options
Company:
Savings Bank Life Insurance Co of MA
Product:
Level Term
Policy length:
15 year

Jan 14,2018
William Springer Verified
West Chicago,IL
Very easy to work with.
Company:
Protective Life
Product:
Custom Choice UL
Policy length:
10 years

Jan 13,2018
Michael Jacinto Verified
San Jose,CA
Very satisfied with the overall experience with Banner Life. They were swift, convenient, and fair to deal with. Would recommend to others I know.
Company:
Banner Life Insurance Company
Product:
OPTerm
Policy length:
15 years

Jan 12,2018
Robert Brainard Verified
Charlestown,IN
Lincoln was a pleasure to work with in the initial set up process. They had a few extra questions for me which when answered honestly did not affect my rate at all. So far everything has been great and I am happy Lincoln dis not raise the rate for non-hereditary cancer that other insurance companies lump all together. I received a great rate without a screening compared to other insurance companies who screen. I was up front and honest about my family health which did not affect me as a an individual. Very pleased
Company:
Lincoln National Life Insurance Company
Product:
TermAccel
Policy length:
20 years

Jan 10,2018
Joseph Lenzi Verified
,PA
my overall experience was a 10.
Company:
American National Insurance Company
Product:
Signature Term - No Med
Policy length:
20 year

Jan 09,2018
Don Peeples Verified
Hawkins,TX
You all are the best.
Company:
American National Insurance Company
Product:
Signature Term - No Med
Policy length:
15 years

Dec 21,2017
John Tarvin Verified
Hondo,TX
Good phone interview Patience Knowledgeable
Company:
Savings Bank Life Insurance Co of MA
Product:
Level Term
Policy length:
10 year

Dec 12,2017
Scott McAlpin Verified
Antioch,CA
good communication, all around good
Company:
American National Insurance Company
Product:
Signature Term - No Med
Policy length:
20 years

Dec 07,2017
Caleb Dunning Verified
Louisville,KY
I am quite pleased about the affordable rate that I received from SBLI for my term life insurance policy.
Company:
Savings Bank Life Insurance Co of MA
Product:
Level Term
Policy length:
20 year

Dec 07,2017
Charles Gomez Verified
Bakersfield,CA
Very professional and knowledgeable.
Company:
Savings Bank Life Insurance Co of MA
Product:
Level Term
Policy length:
15 year

Dec 01,2017
Stephen Farrar Verified
,AR
Good rates compared to other providers.
Company:
American National Insurance Company
Product:
Signature Term - No Med
Policy length:
10 years

Nov 22,2017
Matthew Merliss Verified
Chico,CA
Easy and responsive experience with nice agent. Explained well and delivered without any surprised.
Company:
American National Insurance Company
Product:
Signature Term - No Med
Policy length:
10 years

Nov 05,2017
Audra Holsworth Verified
,TX
I really like AIG so far. They’ve all been very nice and accommodating.
Company:
American General Life Insurance Company
Product:
Select-a-Term
Policy length:
15 years

Nov 02,2017
Mitchell Tuggle Verified
Lawrenceburg,KY
Very satisfied with the rate I ended up with for life insurance
Company:
Savings Bank Life Insurance Co of MA
Product:
Level Term
Policy length:
20 year

Oct 30,2017
Melissa Farrar Verified
,AR
Not aware of any interaction.
Company:
American National Insurance Company
Product:
Signature Term - No Med
Policy length:
10 years

Oct 25,2017
Ajay Kumar Verified
Albertson,NY
Very satisfied, everything on time.
Company:
William Penn Life Insurance Co of NY
Product:
Penn Term
Policy length:
10 years

Oct 18,2017
Sandra Taylor Verified
Eustis,FL
Excellent Cheryl was truly excellent and she cares about her clients. And I have recommended her to several friends and family at my place of employment .I just wish she would send out business cards to her clients.
Company:
Savings Bank Life Insurance Co of MA
Product:
Level Term
Policy length:
20 year

Oct 17,2017
Joseph Colburn Verified
Lehigh Acres,FL
looked out for my interest. gave me better rate.
Company:
Protective Life Insurance Company
Product:
Custom Choice UL
Policy length:
15 year

Oct 16,2017
Brandon Churchman Verified
Howell,MI
Great experience overall. Helpfull through the process of obtaining records.
Company:
Savings Bank Life Insurance Co of MA
Product:
Level Term
Policy length:
20 years

Oct 13,2017
Chantal Shaw Verified
,CO
Very good! I’d highly recommend using True Blue.
Company:
American National Insurance Company
Product:
Signature Term - No Med
Policy length:
20 year

Oct 02,2017
Timothy Schofield Verified
,DE
great life insurance company very quick coverage for me
Company:
Protective Life
Product:
Custom Choice UL
Policy length:
10 years

Sep 27,2017
Thomas Whiteman Verified
Wilmington,NC
Very affordable compared to others
Company:
American National Insurance Company
Product:
Signature Term - No Med
Policy length:
10 years

Sep 27,2017
Allan Heaton Verified
,OR
Good experience! Process was clear and easy to understand.
Company:
American National Insurance Company
Product:
Signature Term - No Med
Policy length:
15 years

Sep 22,2017
Marian Myers Verified
Buford,GA
I have had a very positive experience with American National .This company took the time to allow me to express and qualify my circumstances to move toward approval for life insurance.Thank you.
Company:
American National Insurance Company
Product:
Signature Term - No Med
Policy length:
10 years

Sep 14,2017
Mark Charlton Verified
Scottsdale,AZ
I found the process to be efficient and streamlined, which was a significant factor in proceeding with the policy.
Company:
Savings Bank Life Insurance Co of MA
Product:
Level Term
Policy length:
30 year

Aug 09,2017
Gary Gold Verified
Easton,CT
Fast turnaround and great customer service.
Company:
American National Insurance Company
Product:
Signature Term - No Med
Policy length:
10 years

Jul 29,2017
Thomas Naumann Verified
,NC
Jen made the process comfortable and smooth. She was so kind and professional. In her evaluation of my needs, I felt like she had my best interest in mind.
Company:
Savings Bank Life Insurance Co of MA
Product:
Level Term
Policy length:
20 years

Jul 24,2017
Logan Lewkow Verified
Tallahassee,FL
Very professional and answered any question I had.
Company:
Savings Bank Life Insurance Co of MA
Product:
Level Term
Policy length:
20 years

Jul 24,2017
Maranda Allen Verified
Harrisburg,NC
Easy process and great rates
Company:
Savings Bank Life Insurance Co of MA
Product:
Level Term
Policy length:
30 years

Jul 17,2017
Curtis Ford Verified
Geneseo,IL
Simple affordable and all seemed smooth in application process
Company:
Savings Bank Life Insurance Co of MA
Product:
Level Term
Policy length:
10 years

Jun 28,2017
Chad Schipper Verified
,IN
Great experience and would recommend to anyone
Company:
Savings Bank Life Insurance Co of MA
Product:
Level Term
Policy length:
30 years

Jun 28,2017
Kevin Kolipinski Verified
,PA
Quick & easy underwriting process.
Company:
Savings Bank Life Insurance Co of MA
Product:
Level Term
Policy length:
30 years

Jun 28,2017
Paul Gustafson Verified
,MD
The treatment Mr Young gave us was 100% to our satisfaction.
Company:
American National Insurance Company
Product:
Signature Term - No Med
Policy length:
10 years

Jun 25,2017
Sara Ferguson Verified
,MA
Positive experience. Everything was explained well. Great customer service!!!
Company:
Savings Bank Life Insurance Co of MA
Product:
Level Term
Policy length:
20 years

Jun 22,2017
Raj Daniel Verified
Monroe Township,NJ
Customer friendly, I was given the chance to get the necessary information I did not have handy in a patient manner by the person who interviewed me.
Company:
Savings Bank Life Insurance Co of MA
Product:
Level Term
Policy length:
10 years

Jun 21,2017
Thomas Wilczynski Verified
,CT
Best rates and quick response!!!
Company:
American National Insurance Company
Product:
Signature Term - No Med
Policy length:
10 years

Jun 20,2017
Diana Kofler Verified
,IL
Policy was issued as promised
Company:
Savings Bank Life Insurance Co of MA
Product:
Level Term
Policy length:
30 years

Jun 15,2017
Gregory Webber Verified
Mukilteo,WA
Very helpful. Collected information. Issued policy.
Company:
Savings Bank Life Insurance Co of MA
Product:
Level Term
Policy length:
20 years

Jun 14,2017
Mary Thrash Verified
,VA
I just got my policy, so I haven't had much interaction with SBLI yet. But, if how quickly my policy was put into place is any indication of the future service I receive, I will be pleased.
Company:
Savings Bank Life Insurance Co of MA
Product:
Level Term
Policy length:
20 year

Jun 12,2017
Daniel Ledsome Verified
Portage,IN
They were great. The paperwork came promptly.
Company:
American National Insurance Company
Product:
Signature Term - No Med
Policy length:
10 years

Jun 07,2017
Brandy Madden Verified
Greenville,SC
Very Professional , they communicated with me when needed and they answered all of my questions.
Company:
Savings Bank Life Insurance Co of MA
Product:
Level Term
Policy length:
20 years

Jun 06,2017
Mathew Rudig Verified
Arcadia,IN
So far so good, thanks for turning this around fast.
Company:
Savings Bank Life Insurance Co of MA
Product:
Level Term
Policy length:
10 year

Jun 04,2017
Steve Rupp Verified
Antioch,TN
My experience with SBLI was impersonal, but very efficient. They did exactly what they needed to—and acted very quickly—beating their own deadline for the underwriting process by at least a couple of days.
Company:
Savings Bank Life Insurance Co of MA
Product:
Level Term
Policy length:
15 years

Jun 01,2017
Johnny Jernigan Verified
Bryan,TX
I would recommend them to all my friends.
Company:
American National Insurance Company
Product:
Signature Term - No Med
Policy length:
20 years

May 30,2017
Robert Miles Verified
,GA
I received excellent service from SBLI.
Company:
Savings Bank Life Insurance Co of MA
Product:
Level Term
Policy length:
10 years

May 29,2017
Joseph Stachowiak Verified
Imlay City,MI
Good .. very easy process..very help full... Thank u
Company:
Savings Bank Life Insurance Co of MA
Product:
Level Term
Policy length:
20 years

May 26,2017
George Lau Verified
,CA
Painless process, very professional and the final rate was lower than quoted!
Company:
Savings Bank Life Insurance Co of MA
Product:
Level Term
Policy length:
30 years

May 24,2017
Rachel Moore Verified
Turners Station,KY
I am very satisfied.
Company:
Savings Bank Life Insurance Co of MA
Product:
Level Term
Policy length:
20 years

May 23,2017
Thomas Henry Brackett Verified
Land of Lakes,FL
Good. Carried the products I was looking for.
Company:
Savings Bank Life Insurance Co of MA
Product:
Level Term
Policy length:
10 years

May 22,2017
Anna Scantlin Verified
Lees Summit,MO
Great! Rep was kind and helpful during the interview process.
Company:
Savings Bank Life Insurance Co of MA
Product:
Level Term
Policy length:
30 years

May 22,2017
Richard Resto Verified
Long Island,NY
I would recommend them to anybody
Company:
William Penn Life Insurance Co of NY
Product:
Penn Term
Policy length:
10 year

May 19,2017
Victor Velazquez Verified
,FL
It was a great and super easy experience.
Company:
Savings Bank Life Insurance Co of MA
Product:
Level Term
Policy length:
20 years

May 14,2017
Chris Jenkins Verified
,VA
Just recieved policy so everything is fine so far
Company:
Savings Bank Life Insurance Co of MA
Product:
Level Term
Policy length:
30 years

May 11,2017
Valdor Ebert Verified
Kevil,KY
Great Experience, would recommend to other people
Company:
American National Insurance Company
Product:
Signature Term - No Med
Policy length:
15 years

May 08,2017
Jeanette Horn Verified
Columbia,SC
Awesome company. Glad to be a part of it.
Company:
Savings Bank Life Insurance Co of MA
Product:
Level Term
Policy length:
20 year

May 06,2017
Robert Mefford Verified
,MI
Good company! Fast process will refer my friends!
Company:
North American Co for Life and Health
Product:
Level Term
Policy length:
30 years

May 04,2017
Lisa Simmons Verified
Berwyn,IL
10 is being the best
Company:
Savings Bank Life Insurance Co of MA
Product:
Level Term
Policy length:
20 years

May 04,2017
Ron Quan Verified
Loveland,CO
no complaints, responsive to requests
Company:
Savings Bank Life Insurance Co of MA
Product:
Level Term
Policy length:
20 years

May 02,2017
Michael Bird Verified
,FL
I thought it was great
Company:
Savings Bank Life Insurance Co of MA
Product:
Level Term
Policy length:
20 years

May 01,2017
Michael Gibbons Verified
,PA
Great company, no hassles and easy process!
Company:
Savings Bank Life Insurance Co of MA
Product:
Level Term
Policy length:
10 year

May 01,2017
Sagar Deo Verified
,CA
excellent and friendlier
Company:
Savings Bank Life Insurance Co of MA
Product:
Level Term
Policy length:
20 years

Apr 24,2017
Mark Cusano Verified
Middletown,NJ
It was easy great response time and great coverage for the price and know wasted time
Company:
Savings Bank Life Insurance Co of MA
Product:
Level Term
Policy length:
20 years

Apr 22,2017
Donald Livsey Verified
Walnut Creek,CA
Excellent product. Quick turnaround. Got what I was promised.
Company:
American National Insurance Company
Product:
Signature Term - No Med
Policy length:
10 years

Apr 18,2017
Michael Houck Verified
Ringgold,GA
It was seemless. Easy, quick and exactly what they presented. No tricks. What we were led to believe we'd get is exactly what we got. So many companies lure you in with promises but then don't deliver. SBLI is the real deal.
Company:
Savings Bank Life Insurance Co of MA
Product:
Level Term
Policy length:

Apr 13,2017
Ernesto Ramirez Verified
,CA
Good. A bit neutral on them as I did not have much interaction with them.
Company:
Savings Bank Life Insurance Co of MA
Product:
Level Term
Policy length:
15 year

Apr 11,2017
Devon Derry Verified
,GA
Very satisfied-just recommended to you to a friend
Company:
Savings Bank Life Insurance Co of MA
Product:
Level Term
Policy length:
30 year

Apr 10,2017
Maureen Kersey Verified
,VA
Exceptional service and reasonable prices
Company:
Savings Bank Life Insurance Co of MA
Product:
Level Term
Policy length:
20 years

Apr 10,2017
Melanie Hendrik Verified
Forney,TX
Wonderful experience
Company:
Savings Bank Life Insurance Co of MA
Product:
Level Term
Policy length:
30 year

Mar 24,2017
Derrek Cummings Verified
,PA
Excellent company with great options. Process was incredible.
Company:
Savings Bank Life Insurance Co of MA
Product:
Level Term
Policy length:
20 year

Mar 13,2017
Gerald Hendrik Verified
Forney,TX
10 out of 10. the process went very smooth.
Company:
Savings Bank Life Insurance Co of MA
Product:
Level Term
Policy length:
30 years

Mar 13,2017
Garrett Noakes Verified
,AZ
Super easy process! Would definitely recommend.
Company:
Savings Bank Life Insurance Co of MA
Product:
Level Term
Policy length:
20 years

Mar 02,2017
Jeanne Roy Verified
,AK
Excellent service and communication
Company:
American National Insurance Company
Product:
Signature Term - No Med
Policy length:
20 year

Feb 27,2017
Ray Poydras Verified
Columbus,OH
Overall i was satisfied.
Company:
American National Insurance Company
Product:
Signature Term - No Med
Policy length:
10 years

Feb 18,2017
Ronald Castro Verified
Prosper,TX
Very limited contact thus far, but satisfied overall.
Company:
Savings Bank Life Insurance Co of MA
Product:
Level Term
Policy length:
20 years

Feb 06,2017
Debbi Wedel Verified
,KS
Easy to work with and very helpful
Company:
Savings Bank Life Insurance Co of MA
Product:
Level Term
Policy length:
15 years

Feb 03,2017
Thomas Dias Verified
North Huntingdon,PA
It was excellent, everyone was very professional
Company:
Savings Bank Life Insurance Co of MA
Product:
Level Term
Policy length:
10 years

Feb 03,2017
Andrew Cohen Verified
,SC
Very cut and dry process.
Company:
Savings Bank Life Insurance Co of MA
Product:
Level Term
Policy length:
20 years

Jan 31,2017
Kevin Diquattro Verified
Tampa,FL
Excellent service and good price.
Company:
Savings Bank Life Insurance Co of MA
Product:
Level Term
Policy length:
20 year

Jan 30,2017
Rosemarie Buckley Verified
,WA
Process was as stated. Happy that I was able to do the process alongside a busy life!!
Company:
Savings Bank Life Insurance Co of MA
Product:
Level Term
Policy length:
20 years

Jan 17,2017
Michelle Moore Verified
Houston,TX
Medical interview was pretty quick and right in line with how the interviewer explained it. Approval was pretty quick even though it was over Christmas, New Years holidays. It took the amount of time the interviewer explained it would take. after approval, signing paperwork was all over email and was very quick. After signing and returning the docs, the policy was sent via email the next day. Would highly recommend. Seems like a great company.
Company:
Savings Bank Life Insurance Co of MA
Product:
Level Term
Policy length:
20 years

Jan 09,2017
Maria Protacio Verified
,FL
It took awhile for the approval
Company:
Savings Bank Life Insurance Co of MA
Product:
Level Term
Policy length:
10 years

Jan 05,2017
Nicholas Maselli Verified
,MA
Clear understanding of the intake/policy issuance process. Made it convenient to get a policy without taking time away from work/family.
Company:
Savings Bank Life Insurance Co of MA
Product:
Level Term
Policy length:
10 years

Dec 29,2016
Cheryl Schmuhl Verified
,IL
Satisfied with the service and coverage expenses.
Company:
Savings Bank Life Insurance Co of MA
Product:
Level Term
Policy length:
20 years

Dec 21,2016
Cindy Luoma Verified
Grand Rapids,MN
Great company. Quick and easy to do, very satisfied with the whole process.
Company:
American National Insurance Company
Product:
Signature Term - No Med
Policy length:
10 years

Dec 16,2016
Brian Sens Verified
Cooper City,FL
Easy process and I was kept informed every step of the way.
Company:
American National Insurance Company
Product:
Signature Term - No Med
Policy length:
10 years

Dec 08,2016
William Wyatt Verified
Martinsville,VA
A+..............................
Company:
Savings Bank Life Insurance Co of MA
Product:
Level Term
Policy length:
15 years

Nov 21,2016
Alisha Hansen Verified
Sedona,AZ
Good product, but feel it's a little misleading that it says No Exam, but the wait time is so long for approval.
Company:
American National Insurance Company
Product:
Signature Term - No Med
Policy length:
10 years

Nov 03,2016
Deanna Coronado-Jimenez Verified
Menasha,WI
This is an excellent company to deal with and the rates are better than all others out there.
Company:
American National Insurance Company
Product:
Signature Term - No Med
Policy length:
30 years

Oct 26,2016
Loralie Bruce Verified
Pittsburgh,PA
Overall really good experience. Took longer than expected though for underwriting, as they had to obtain multiple approvals for getting access to medical records (but that was out of their control).
Company:
Savings Bank Life Insurance Co of MA
Product:
Level Term
Policy length:
30 years

Oct 20,2016
Tasha Vandal Verified
,AZ
Jen and Sherri were great to work with and made a stressful process much less stressful! I appreciate them taking the time to answer all of my many questions. I will refer others to them for their insurance needed. THANK YOU!
Company:
Savings Bank Life Insurance Co of MA
Product:
Level Term
Policy length:
30 years

Oct 10,2016
Kevin Owen Verified
,AL
Very friendly and easy to work with
Company:
Savings Bank Life Insurance Co of MA
Product:
Level Term
Policy length:
10 years

Sep 30,2016
Jeffrey Herinck Verified
,WA
Great service. Nice staff.
Company:
Savings Bank Life Insurance Co of MA
Product:
Level Term
Policy length:
30 year

Sep 19,2016
Corey Milligan Verified
,NC
Overall process could have gone a little smoother, but in the end they gave me a better health rating and a lower premium than originally quoted. I'm very happy
Company:
Savings Bank Life Insurance Co of MA
Product:
Level Term
Policy length:
20 years

Sep 10,2016
Jennifer Strauss Verified
,TX
Excellent! Rep gave me great info.
Company:
Savings Bank Life Insurance Co of MA
Product:
Level Term
Policy length:
20 year

Aug 30,2016
Daniel Lawrence Verified
San Diego,CA
Prompt service and everything went very smooth.
Company:
American National Insurance Company
Product:
Signature Term - No Med
Policy length:
10 years

Aug 26,2016
Jason Cosimano Verified
,NJ
the whole experience was easy and everyone was a pleasure
Company:
Savings Bank Life Insurance Co of MA
Product:
Level Term
Policy length:
20 years

Aug 22,2016
Troy Roberts Verified
Palestine,TX
Very simple and affordable
Company:
Savings Bank Life Insurance Co of MA
Product:
Level Term
Policy length:
20 years

Aug 05,2016
Alvin Guzman Verified
,NJ
All process is automated with a quick turn around - highly recommended. service -A Price - A
Company:
Savings Bank Life Insurance Co of MA
Product:
Level Term
Policy length:
25 years

Aug 04,2016
Toni Linden Verified
,AZ
Quick to respond and keep apprised of what is needed, or the next steps!
Company:
Savings Bank Life Insurance Co of MA
Product:
Level Term
Policy length:
30 years

Jun 13,2016
Edward Trapp Verified
Selah,WA
They provided a great rate and coverage for my life insurance needs.
Company:
American National Insurance Company
Product:
Signature Term - No Med
Policy length:
20 years

May 23,2016
Fredericka Branch Verified
Franklin,VA
Very helpful and rates were competitive
Company:
American National Insurance Company
Product:
Signature Term - No Med
Policy length:
20 years

May 18,2016
Michelle Daily Verified
Williamsburg,WV
Great coverage, great value, the whole process was rather easy and quick,friendly service.
Company:
American National Insurance Company
Product:
Signature Term - No Med
Policy length:
20 years

May 09,2016
Michelle Surette Verified
,MA
Same as above. no issues
Company:
American National Insurance Company
Product:
Signature Term - No Med
Policy length:
15 years

Apr 28,2016
Omer Baron Verified
,CA
Great! They have met and/or exceeded expectations
Company:
Banner Life Insurance Company
Product:
OPTerm
Policy length:
20 years

Apr 25,2016
Michael Gonzalez Verified
,NM
Very good service provided.
Company:
American National Insurance Company
Product:
Signature Term - No Med
Policy length:
20 years

Apr 13,2016
Yvette Palmer Verified
North Wales,PA
Excellent Service has been provided
Company:
American National Insurance Company
Product:
Signature Term - No Med
Policy length:
10 years

Apr 11,2016
Rodney Sawyer Verified
Fort Walton Beach,FL
Quick response and helpful assistance
Company:
American National Insurance Company
Product:
Signature Term - No Med
Policy length:
30 years

Mar 14,2016
Mark Kessler Verified
Columbia,IL
Happy with overall experience
Company:
American National Insurance Company
Product:
Signature Term - No Med
Policy length:
15 years

Mar 01,2016
Eric Kihl Verified
Plano,TX
American National provided a fast turn around on my policy.
Company:
American National Insurance Company
Product:
Signature Term - No Med
Policy length:
10 year

Feb 19,2016
Ashley Farris Verified
,TX
Everything was great.
Company:
American National Insurance Company
Product:
Signature Term - No Med
Policy length:
30 years

Feb 15,2016
Rebecca Spaulding Verified
,NH
The materials provided are easy to understand.
Company:
American National Insurance Company
Product:
Signature Term - No Med
Policy length:
10 years

Feb 04,2016
Derick Doebrick Verified
,CT
My experience with American National was very good.
Company:
American National Insurance Company
Product:
Signature Term - No Med
Policy length:
15 years

Feb 04,2016
Kenneth Mutchler Verified
Pittsburgh,PA
Very happy with the whole process
Company:
American National Insurance Company
Product:
Signature Term - No Med
Policy length:
10 year

Feb 02,2016
Steven Cuneo Verified
,NJ
Did a good job. It was a little confusing because it was no medical exam required but when we got into the process the insurance company wanted one.
Company:
American National Insurance Company
Product:
Signature Term - No Med
Policy length:
10 years

Jan 18,2016
Vanessa Bequis Verified
St Augistine,FL
Quick, easy, concise.
Company:
American National Insurance Company
Product:
Signature Term - No Med
Policy length:
10 years

Jan 14,2016
William Gallos Verified
,IL
Too early to tell yet, I will reserve judgement
Company:
American National Insurance Company
Product:
Signature Term - No Med
Policy length:
10 years

Dec 10,2015
Jorge Nunez Verified
Austin,TX
very good, timely and professional
Company:
American National Insurance Company
Product:
Signature Term - No Med
Policy length:
10 years

Dec 09,2015
Abbe Sheradsky Verified
Sunrise,FL
Our agent was highly professional and very courteous.
Company:
American National Insurance Company
Product:
Signature Term - No Med
Policy length:
20 years

Nov 17,2015
Dora Blevins Verified
,TN
It has been pleasant up to the point of getting notification of approval. I was not notified I was approved nor was I notified when the premium would be deducted from my account. I was told I would get 24 to 48 hours notification and I received no notification
Company:
American National Insurance Company
Product:
Signature Term - No Med
Policy length:
20 years

Nov 02,2015
David Smith Verified
Apollo Beach,FL
Prompt approval and processing
Company:
American National Insurance Company
Product:
Signature Term - No Med
Policy length:
20 year

Sep 17,2015
Antonio Madrid Verified
,CA
Good rate and reasonable turnaround time. Docs forwarded quickly.
Company:
American National Insurance Company
Product:
Signature Term - No Med
Policy length:
15 years

Sep 07,2015
Jeffrey Barber Verified
Fort Stockton,TX
Excellent value. Good service
Company:
American National Insurance Company
Product:
Signature Term - No Med
Policy length:
10 years

Sep 07,2015
Kristi Nash Verified
Plano,TX
The service was great!
Company:
Protective Life Insurance Company
Product:
Custom Choice UL
Policy length:
30 years

Jan 22,2015
Renetta Thomas Verified
Edwards,MS
REPS were friendly and provided everything I needed.
Company:
American National Insurance Company
Product:
Signature Term - No Med
Policy length:
15 years

Jan 17,2015
Elizabeth Iciano Verified
,FL
It was a very long process. Bad experience.
Company:
Protective Life
Product:
Custom Choice UL
Policy length:
30 year

Aug 19,2014
Susan Stohl Verified
Las Vegas,NV
Everything was good. Underwriter was very nice and process was good.
Company:
American National Insurance Company
Product:
Signature Term - No Med
Policy length:
10 years

Jun 12,2014
Christopher Tracy Verified
Tacoma,WA
It was easy, simple, and convenient.
Company:
Protective Life Insurance Company
Product:
Custom Choice UL
Policy length:
15 years

Apr 03,2014
Karen Brown Verified
Gatesvilles,TX
It took a few weeks, though it was a very good experience.
Company:
American National Insurance Company
Product:
Signature Term - No Med
Policy length:
20 years

Dec 03,2012
Abigail Scott Verified
Peabody,MA
The experience I had was good. The underwriting process was timely and communication was good.
Company:
Banner Life Insurance Company
Product:
OPTerm
Policy length:

Aug 01,2012
Brian Volbert Verified
Amherst,OH
Very pleasant and easy overall.
Company:
American General Life Insurance Company
Product:
Select-a-Term
Policy length:

Aug 01,2012
Lawrence Varady Verified
Modesto,CA
Handled very professionally and was done relatively quickly.
Company:
Pruco Life Insurance Company
Product:
Term Essential
Policy length:

Mar 05,2012
Eric Boling Verified
Atlanta,GA
Very easy. The only thing would be make it faster not 5 weeks.
Company:
Banner Life Insurance Company
Product:
OPTerm
Policy length:

Mar 04,2012
Jeremiah Holthus Verified
Herndon,VA
Excellent experience. Would recommend to a friend.
Company:
American General Life Insurance Company
Product:
Select-a-Term
Policy length:

Feb 27,2012
Leslie Kelly Verified
Emmitsburg,MD
Very positive during purchase of a term life insurance policy
Company:
American General Life Insurance Company
Product:
Select-a-Term
Policy length:

Feb 23,2012
Brittney Petersen Verified
SLC,UT
Nice to work with- case manager communicated well- I received updates of changes- I felt overall staff was on top of it
Company:
American General Life Insurance Company
Product:
Select-a-Term
Policy length:

Feb 04,2012
Darin Myrick Verified
Phoenix,AZ
Other than the process taking longer than expected, the overall experience was good. For both my wife's and my application, the process was delayed by the underwriter ordering doctor's reports late in the process. If they had been ordered up front, I would have said the experience was excellent.
Company:
Banner Life Insurance Company
Product:
OPTerm
Policy length:

Jan 25,2012
Eunice Culhane Verified
Oviedo,FL
Very easy to apply for and good communication with assigned agents. Affordable prices and cheaper than other competitive companies.
Company:
Banner Life Insurance Company
Product:
OPTerm
Policy length:

Jan 01,2012
Matthew Franklin Verified
Birmingham,AL
Generally efficient and effective.
Company:
Banner Life Insurance Company
Product:
OPTerm
Policy length:

Nov 28,2011
Holly Badman Verified
Ocoee,FL
my experience was very pleasant
Company:
American General Life Insurance Company
Product:
Select-a-Term
Policy length:

Oct 18,2011
Kevin Spinti Verified
Minneapolis,MN
Overall experience was good. Got a good policy @ a price lower than expected. The policy forms that were sent were a little confusing; for example, two different forms to authorize bank drafts. I called and was told to just fill one out. Then when the activation/payment forms came, my bank draft was set up, but my wife's was not.
Company:
American General Life Insurance Company
Product:
Select-a-Term
Policy length:

Oct 04,2011
Karen Caygill Verified
Yucca Valley,CA
The process was timely and efficient in every way, from the physical to the paperwork.
Company:
Banner Life Insurance Company
Product:
OPTerm
Policy length:

Sep 26,2011
Robert Mower Verified
Provo,UT
Very Good products, excellent customer service, fast processing time, thanks.
Company:
American General Life Insurance Company
Product:
Select-a-Term
Policy length:

Sep 11,2011
Janet Cooper Verified
Powell,OH
Communication has been excellent thus far.
Company:
American General Life Insurance Company
Product:
Select-a-Term
Policy length:

Sep 07,2011
Phillip Korenman Verified
West Chester,PA
My experience with American General in many ways feels limited. I worked with efinancial throughout the application process, and things seemed very seemless.
Company:
American General Life Insurance Company
Product:
Select-a-Term
Policy length:

Sep 02,2011
Stephen Wall Verified
Aurora,IL
Everything went fine. I have no complaints.
Company:
Banner Life Insurance Company
Product:
OPTerm
Policy length:

Jul 29,2011
Jefferson Kim Verified
Placentia,CA
BEST PRICES! I got the healthiest rating. Beat out my other insurance company by far.
Company:
American General Life Insurance Company
Product:
Select-a-Term
Policy length:

Jul 13,2011
Henry Armstrong Verified
Auburn,AL
My experience with American General Life insurance was good. Everyone that I dealt with were professional and efficient.
Company:
American General Life Insurance Company
Product:
Select-a-Term
Policy length:

Jul 01,2011
Zachary Wain Verified
Chandler,AZ
General approval time and the paperwork was a bit long. The process was not difficult, but took a long time to get my insurance activated. An expedited process would be an improvement
Company:
Banner Life Insurance Company
Product:
OPTerm
Policy length:

Jun 07,2011
michael miller Verified
cedar park,TX
My experience so far is only with the application process. However that went very smoothly and was handled well.
Company:
American General Life Insurance Company
Product:
Select-a-Term
Policy length:

Apr 21,2011
John Hynd Verified
Clarence Center,NY
Good company that kept me up to date on the whole process. My only complaint is that the process took a long time.
Company:
William Penn Life Insurance Co of NY
Product:
Penn Term
Policy length:

Mar 07,2011
Ahmad Badawi Verified
Toledo,OH
very good.
Company:
Banner Life Insurance Company
Product:
OPTerm
Policy length:

Feb 09,2011
Chris Abernathy Verified
Austin,TX
Very good experience. Very easy to set up insurance I wanted. Rates were the most competitive.
Company:
Banner Life Insurance Company
Product:
OPTerm
Policy length:

Get the most accurate rates in 2 minutes or less
Making a financial decision doesn’t have to be stressful.
See what you qualify for by answering some health questions.

Take Our Life Insurance Quiz
Take Our Quiz