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Submitted URL: http://efinancial.com/
Effective URL: https://www.efinancial.com/
Submission: On August 31 via manual from IN — Scanned from DE
Effective URL: https://www.efinancial.com/
Submission: On August 31 via manual from IN — Scanned from DE
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Skip to Content eFinancial Home Page Open Main Navigation Search for something... Search Now Show Search Form * Get My Quote * All Get My Quote * Products Expand Products Menu * All Products * Expand Term Life Menu * All Term Life * 10-Year Term Life Insurance * 15-Year Term Life Insurance * 20-Year Term Life Insurance * 30-Year term life insurance * Level term life insurance * Expand Permanent Life Menu * All Permanent Life * Whole Life Insurance * Universal Life Insurance * Final Expense * Accidental Death Benefit * Expand Life Insurance Riders Menu * All Life Insurance Riders * Living benefit rider * Accidental Death Benefit Rider * Waiver of Premium Disability Rider * Terminal Illness Rider * Guaranteed Issue Life Insurance * Return of Premium Insurance Rider * Child Rider * Inflation Rider * Resources Expand Resources Menu * All Resources * Life Insurance Glossary * Expand Types of Life Insurance Menu * All Types of Life Insurance * Decreasing Term * Increasing Term * Variable Life Insurance * Group life insurance * Simplified Issue Life * Expand Life Insurance 101 Menu * What is Life Insurance? * Who Needs Life Insurance? * Life Insurance for Couples * Family Life Insurance * Life Insurance for Single Adults * Life insurance for young adults * Life Insurance for Seniors * Life Insurance for Chronic Illness * Medical Exams * No Medical Exam Life Insurance * Insurance Company Reviews * Term vs. whole life insurance * Calculator * Blog * Support * About Expand About Menu * All About * Offices * Our Team * Careers Expand Careers Menu * All Careers * Become An Agent * eIndependent Expand eIndependent Menu * All eIndependent * Better Products * Better Leads * Better Support * Blog * Partner Help * ALISS® Login Search for something... Search Now Show Search Form eFinancial Home Page (866) 455-0061 BEHIND EVERY POLICY, THERE’S A PERSON. LIFE INSURANCE QUOTES Protecting your family with life insurance is easy with eFinancial. We’ll help you shop, compare, and find the plan that’s just right for you. Get My Quote “The whole process was simple and easy. Found the insurance I needed in no time at all and am very satisfied.” -Alan WHAT TYPE OF LIFE INSURANCE POLICY IS RIGHT FOR ME? eFinancial offers a variety of plans from top-rated providers in one place, so you can find the right coverage for your needs and budget. * TERM LIFE INSURANCE Flexible and affordable, term life insurance covers you during the years you need it most. Show More about Term life insurance TERM LIFE INSURANCE Flexible and affordable, term life insurance covers you during the years you need it most. Show More about Term life insurance * PERMANENT LIFE INSURANCE Permanent life insurance offers peace of mind for your entire life and also builds cash value over time. Show More about Permanent life insurance PERMANENT LIFE INSURANCE Permanent life insurance offers peace of mind for your entire life and also builds cash value over time. Show More about Permanent life insurance * FINAL EXPENSE INSURANCE For people between 50 and 85, final expense insurance provides a guaranteed payout for funeral expenses and related needs. Show More about Final expense insurance FINAL EXPENSE INSURANCE For people between 50 and 85, final expense insurance provides a guaranteed payout for funeral expenses and related needs. Show More about Final expense insurance EXPLORE OUR PLANS COMPARE LIFE INSURANCE POLICY OPTIONS Term LifePermanent LifeFinal Expense LENGTH OF COVERAGEChoose the term that works for you (10, 15, 20, or 30 years)Lasts your entire life as long as you continue your paymentsLasts your entire life as long as you continue your payments PREMIUMTypically the most affordable life insuranceMore expensive than term life for the same coverage amountMore expensive than term life, but lower coverage amounts keep it affordableMEDICAL EXAMOptions to waive examTypically requiredNot typically requiredCASH VALUENonePolicy may build cash value on a tax-deferred basisPolicy may build cash value on a tax-deferred basis LENGTH OF COVERAGE * TERM LIFE Choose the term that works for you (10, 15, 20, or 30 years) * PERMANENT LIFE Lasts your entire life as long as you continue your payments * FINAL EXPENSE Lasts your entire life as long as you continue your payments PREMIUM * TERM LIFE Typically the most affordable life insurance * PERMANENT LIFE More expensive than term life for the same coverage amount * FINAL EXPENSE More expensive than term life, but lower coverage amounts keep it affordable MEDICAL EXAM * TERM LIFE Options to waive exam * PERMANENT LIFE Typically required * FINAL EXPENSE Not typically required CASH VALUE * TERM LIFE None * PERMANENT LIFE Policy may build cash value on a tax-deferred basis * FINAL EXPENSE Policy may build cash value on a tax-deferred basis HOW MUCH LIFE INSURANCE DO I NEED? The right amount of coverage is different for every person. Keep these considerations in mind when deciding how much you need: * How much will your immediate obligations – like medical bills, debts, and funeral expenses – cost? * How much future income will your family need to pay the mortgage, pay for college, or simply enjoy their current quality of life? While no online life insurance quote can take every one of these factors into account, a quick calculation of your needs is a great place to begin. Try our 10-question term life insurance calculator for a personalized recommendation based on your debt, savings, expenses, and more. Calculate Coverage HOW TO GET A FREE LIFE INSURANCE QUOTE WITH EFINANCIAL Just provide your name, gender, date of birth, email, and how you’d rate your overall health, and eFinancial will give you free online life insurance quotes in under a minute. Does that sound easy? Well, it is. If you’d rather talk to a live person, our agents are here and ready to help you compare life insurance quotes. GET YOUR FREE QUOTE ADVANTAGES OF LIFE INSURANCE QUOTES FROM EFINANCIAL * COMPARE TOP-RATED PLANS. eFinancial offers competitive quotes from a variety of highly rated companies, so you don’t have to shop around to get the best deal. Show More about Compare top-rated plans. COMPARE TOP-RATED PLANS. eFinancial offers competitive quotes from a variety of highly rated companies, so you don’t have to shop around to get the best deal. Show More about Compare top-rated plans. * FIND YOUR POLICY FAST. Get quotes quickly online or by phone, and buy directly from one of our dedicated agents. Coverage often starts the same day. Show More about Find your policy fast. FIND YOUR POLICY FAST. Get quotes quickly online or by phone, and buy directly from one of our dedicated agents. Coverage often starts the same day. Show More about Find your policy fast. * GET HELP WHEN YOU NEED IT. Our team is here to help you understand life insurance, compare life insurance quotes, and make the right decision for your family. Show More about Get help when you need it. GET HELP WHEN YOU NEED IT. Our team is here to help you understand life insurance, compare life insurance quotes, and make the right decision for your family. Show More about Get help when you need it. WHAT COMPANIES PROVIDE LIFE INSURANCE QUOTES FOR EFINANCIAL? We’re proud to work with top-rated providers like Fidelity Life, Protective, Mutual of Omaha, AIG, Prudential, and Transamerica. Each of these companies meets our high standards for financial strength, quality, and exceptional customer support. Click a logo below for more information. PARTNERS CAROUSEL * Open Fidelity Life spotlight modal Exit Carousel * Open Partner spotlight modal Exit Carousel * Open Partner spotlight modal Exit Carousel * Open Partner spotlight modal Exit Carousel * Open Partner spotlight modal Exit Carousel * Open Partner spotlight modal Exit Carousel WHY CHOOSE EFINANCIAL FOR LIFE INSURANCE QUOTES? At eFinancial, we strive to be your one-stop resource for everything related to your life insurance needs. That means we’ll: * Help you compare policies and get a free quote on a single call or online. * Assign a dedicated agent to work with you every step of the way. * Offer life insurance from top companies, so you can find the right fit based on your needs and budget. * Work with you one-on-one to meet your needs at every stage of life. GET A FREE QUOTE KIND WORDS FROM SATISFIED CUSTOMERS: Carousel with 3 slides Slide 1 of 3 We wanted a reputable company ready to meet our needs, but we didn’t want to spend a fortune or jump through hoops. With eFinancial, we also got great coverage, affordable rates, and a very easy process to get approved. Everyone was extremely helpful along the way. I’d recommend eFinancial to anyone considering purchasing life insurance. Elizabeth Florse Slide 2 of 3 I wanted a company that does business with integrity and honesty. I wanted a policy to protect my son, and a company to guide him when it’s time to use the benefits. If you have a family or someone in your life that you love, it’s important to take care of business. eFinancial helps you leave a legacy. Chris Patterson-Simmons Slide 3 of 3 A very helpful representative found me higher coverage for less money than I expected. They followed through, and I was always able to get in touch. I would recommend them to anyone! Ellis Trollinger Dot buttons to change slides * Current Slide: 1 of 3 * Go to Slide 2 of 3 * Go to Slide 3 of 3 Our Trust Pilot Score Trustpilot LIFE INSURANCE FAQS * WHAT IS LIFE INSURANCE? Life insurance is a type of insurance policy that protects your loved ones financially if something happens to you. If you pass away while your life insurance policy is in effect, your beneficiary will get a cash payment that’s typically tax-free and comes with no strings attached. They can use those funds to pay for day-to-day living expenses, a mortgage, college loans, your final expenses, or any other financial needs. You can choose from either term life insurance, an affordable type of life insurance that you can buy for a set period of time, or permanent life insurance, which provides lifelong coverage as long as you pay your premiums. Consider comparing life insurance quotes online to better understand what fits your budget and needs. * WHO NEEDS LIFE INSURANCE? Ask yourself: Does anyone depend on you for their financial well-being? If so, you likely need the peace of mind that life insurance provides. It’s smart to get covered if: * Someone depends on your income * You have young kids (even if you’re a stay-at-home parent) * You have outstanding debt, like a mortgage payment, car lien, student loans, or medical bills that health insurance or Medicare supplemental plans don’t cover * You want a way to leave a lasting legacy for your family * You want to get a head start on your estate planning Buying life insurance can help you meet these needs and stay prepared for what the future brings. eFinancial is here to help you get started. * HOW MUCH DOES LIFE INSURANCE COST? Wondering if you can afford life insurance coverage? The peace of mind that life insurance provides is priceless, and it often costs less than you think. In fact, a recent study found that most people think the cost of life insurance is three times higher than it actually is. A $250,000 term life policy for a healthy 30-year-old woman can start as low as $15 a month with eFinancial. Some factors that affect the cost of life insurance include: * The type of policy you choose, along with the coverage length and amount. Typically, term insurance is the most affordable type of coverage, with flexible premiums based on your coverage length and amount. * Your age. Life insurance rates go up as you get older, so think about locking in lower rates now. * Your overall health. Life insurance companies look at your family and health history to determine policy cost. * Smoker status. If you smoke cigarettes or cigars, chew tobacco, or vape, now is a great time to quit. Nicotine use can directly affect your premium rates. * Your gender. Typically, men tend to pay more than women. * Your hobbies. Life insurance companies evaluate the types of hobbies and activities you do that could affect your rate, like skydiving, scuba diving, or flying a private plane. * HOW DOES THE LIFE INSURANCE BUYING PROCESS WORK? * Shop and research plans by comparing quotes online or with one of our dedicated insurance agents. We can help you navigate the differences between options like term and whole life insurance, and answer any other questions you may have. * Select and apply for a policy that fits your and your family’s needs. You can get same-day coverage through eFinancial, in many cases. * Buy and pay for your policy either in monthly or annual installments. Review your policy regularly to make sure it still fits your needs. * Claim peace of mind and financial security for your loved ones. If you die while your policy is active, your loved ones can get a tax-free cash payout. Learn more about the life insurance buying process here. * ARE EFINANCIAL'S ONLINE LIFE INSURANCE QUOTES ACCURATE? At eFinancial, we work hard to make sure you get an accurate online life insurance quote. We believe in personalizing your entire life insurance experience, which means we’ll go beyond the basics. Of course, keep in mind that an online quote is only a starting point. Our online guide can estimate your life insurance rates, but our licensed agents will work closely with you by phone to further customize your quote around your exact needs. * SHOULDN'T I BUY DIRECTLY FROM A LIFE INSURANCE COMPANY? Not necessarily. The law states that the price of any insurance policy is the same whether you buy from the life insurance company itself, an agent, or a broker. That means you’ll find the same rates shopping directly with a life insurance company or shopping with eFinancial, while also enjoying the convenience and guidance our agents can provide. At eFinancial, our team can help you compare and purchase term life insurance, permanent life insurance, and final expense insurance from top-rated companies. Our goal is to make buying life insurance easier, faster, and more affordable, so you can protect your family with confidence. * HOW CAN I FIND THE BEST LIFE INSURANCE RATES ON EFINANCIAL? eFinancial works with trusted insurance companies to help you find the best fit for your needs and budget. Different companies may offer better rates and plans for you based on your situation. At eFinancial, you can start by comparing personalized life insurance quotes online in just one minute. Then, give one of our agents a call to discuss your options. We’ll help you get the best value for you and your family. GET TO KNOW EFINANCIAL. At eFinancial, we’re proud to help customers like you find the right life insurance policy. Our knowledgeable agents are ready to learn about your needs and work with you every step of the way. Working with eFinancial means you’ll benefit from our inclusive culture, commitment to customer service, and collective desire to make lives better. Explore Careers RECENT BLOG POSTS 1. BLOG • Published on 7/26/23 BLOG TITLE: HOW TO FIND THE BEST GUARANTEED LIFE INSURANCE COMPANIES 2. BLOG • Published on 7/6/23 BLOG TITLE: IS LIFE INSURANCE AN INVESTMENT? 3. BLOG • Published on 6/27/23 BLOG TITLE: LIFE INSURANCE FOR KIDS View All GET YOUR QUOTE ONLINE, OR TALK TO ONE OF OUR AGENTS AT 888-616-1655888-616-1655. 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