LifeQuotes.com, the online insuretech that offers comparative quotes from 40 leading life insurers and allows customers to purchase from the company of their choice, announced reaching 100,000 customer service reviews with an average star rating of 4.65 out of 5. LifeQuotes.com invites customer feedback after every telephone consultation with both licensed and unlicensed staff.
Jennifer R. of Thibodaux, LA summed it up nicely, “Informative, professional, direct.”
“We’re standing ten feet tall here at having reached 100,000 positive customer reviews regarding the quality of our telephone customer care,” said LifeQuotes.com vice president, Michelle Zieba. “It’s gratifying to see such positive results born of the efforts by our salaried agents to whom the credit for this extraordinary achievement is owed.”
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The LifeQuotes proprietary technology enables anonymous quoting, a comparative selection of 40 insurers’ rates with underwriting guidelines disclosed, instant-decision underwriting and online buying capability all backed by caring, salaried telephone specialists who are trained to assist and inform without any sales pressure.
Other unique attributes of the LifeQuotes.com platform include automatic quoting of Final Expense, Term Life, Whole Life and Universal Life, no-exam underwriting, and the disclosure of actual underwriting guidelines so that people with health histories can better understand, up front, the expected final price.
Zieba continued, “One powerful benefit of our 40-company database is that we can welcome life insurance shoppers who have health histories, including those who were rated up or declined elsewhere. Common conditions we see are diabetes, recovering cancer, heart disease, anxiety and sleep apnea. In today’s competitive market, many insurers will award their best rates to somebody who has mild hypertension or elevated cholesterol. And some of the plans on our platform ask no health questions up to $100,000.”
Owners of term life insurance policies are reminded that their policies might contain the right to convert all or part of their term life policy to a permanent policy with no health questions or medical exam.
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Having an adequate amount of life insurance in place is important and everybody’s situation is unique. Here are some LifeQuotes.com guidelines:
- For people who work and have dependents, children or a mortgage:Â 10-15 times annual income
- For home caregivers:Â Â $300,000Â minimum
- For burial-only coverage:Â Â $10,000–$25,000
Instant decision term life plans soar in popularity
The chart of sample monthly premiums below reveals the best possible monthly prices for a 10-year, instant decision level term life policy. Most 10-year term life policies are renewable, without evidence of insurability, to age 90+ and may be convertible to permanent insurance without having to undergo further underwriting. Other initial rate guarantee periods such as 15, 20, 25, 30 years and longer are also available as are Universal Life and Whole Life, both of which can provide a level death benefit and level premiums for life.
|
Instant Decision Sample Rates, 10 Year Term |
||||||||||
|
Female Monthly Rates |
Male Monthly Rates |
|||||||||
|
Age |
$100,000 |
$250,000 |
$500,000 |
$1,000,000 |
Age |
$100,000 |
$250,000 |
$500,000 |
$1,000,000 |
|
|
20-35 |
$8 |
$9 |
$13 |
$23 |
20-35 |
$9 |
$10 |
$15 |
$25 |
|
|
40 |
$9 |
$13 |
$19 |
$30 |
40 |
$10 |
$12 |
$19 |
$33 |
|
|
45 |
$11 |
$16 |
$25 |
$45 |
45 |
$12 |
$19 |
$28 |
$51 |
|
|
50 |
$14 |
$24 |
$39 |
$73 |
50 |
$17 |
$28 |
$49 |
$87 |
|
|
55 |
$19 |
$33 |
$54 |
$101 |
55 |
$23 |
$41 |
$73 |
$135 |
|
|
60 |
$26 |
$52 |
$98 |
N/A |
60 |
$40 |
$81 |
$158 |
N/A |
|
|
Instant Decision Sample Rates, 20 Year Term |
||||||||||
|
Female Monthly Rates |
Male Monthly Rates |
|||||||||
|
Age |
$100,000 |
$250,000 |
$500,000 |
$1,000,000 |
Age |
$100,000 |
$250,000 |
$500,000 |
$1,000,000 |
|
|
20-35 |
$9 |
$12 |
$18 |
$35 |
20-35 |
$10 |
$14 |
$22 |
$41 |
|
|
40 |
$10 |
$15 |
$24 |
$50 |
40 |
$11 |
$17 |
$27 |
$60 |
|
|
45 |
$14 |
$22 |
$39 |
$76 |
45 |
$16 |
$28 |
$49 |
$100 |
|
|
50 |
$21 |
$37 |
$65 |
$119 |
50 |
$25 |
$42 |
$79 |
$162 |
|
|
55 |
$30 |
$56 |
$95 |
$175 |
55 |
$39 |
$78 |
$129 |
$238 |
|
|
60 |
$49 |
$105 |
$212 |
N/A |
60 |
$71 |
$151 |
$306 |
N/A |
|
|
Instant Decision Sample Rates, 30 Year Term |
||||||||||
|
Female Monthly Rates |
Male Monthly Rates |
|||||||||
|
Age |
$100,000 |
$250,000 |
$500,000 |
$1,000,000 |
Age |
$100,000 |
$250,000 |
$500,000 |
$1,000,000 |
|
|
20-35 |
$14 |
$21 |
$34 |
$61 |
20-35 |
$16 |
$24 |
$41 |
$73 |
|
|
40 |
$17 |
$27 |
$48 |
$89 |
40 |
$22 |
$33 |
$60 |
$112 |
|
|
45 |
$23 |
$39 |
$71 |
$135 |
45 |
$30 |
$47 |
$90 |
$176 |
|
|
50 |
$36 |
$70 |
$125 |
N/A |
50 |
$47 |
$94 |
$168 |
N/A |
|
|
55 |
$56 |
$112 |
N/A |
N/A |
55 |
$75 |
$151 |
N/AÂ |
N/A |
|
The sample premiums shown above assume that the applicant is in good health and has no ratable medical issues. Applicants with pre-existing medical issues can view instant quotes at www.lifequotes.com. Customers who want quotes and advice by phone can talk to our licensed specialists by calling (800) 556-9393.
Past Accolades for LifeQuotes.com:
- 2021: LifeQuotes.com celebrates 1,000 Google Reviews averaging 4.8 stars
- “2017 Life Insurance Innovation” award winner…  Life Insurance Direct Marketing Association
- “The premier Web site in terms of details and ease of use…”  — Yahoo! FINANCE
- Twice Ranked #1 life insurance website by Kiplinger’s
- Named a “100 Most useful website” by MSN Money
- Past Winner:Â Â Forbes’Â “Best of the Web”
- The best web site I’ve found…” — Dallas Morning News
- “…we’d recommend you do your insurance shopping here…” — Barron’s
- “…outstanding – as good as a Web site on insurance can possibly be. Hats off and a gold star to the top insurance site on the Web.” — Insurance for Dummies
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