www.efinancial.com Open in urlscan Pro
2606:4700:10::ac43:e2d  Public Scan

Form analysis
4 forms found in the DOM

/search

<form action="/search" type="GET" class="search-container search-form">
  <div class="field"><input type="search" name="keywords" placeholder="Search for something..."></div> <button type="button" class="search"><span class="sr-only">Search</span></button>
</form>

<form class="quote-form">
  <div class="field-set"><button type="button" class="button button-primary"> Get My Quote </button></div>
</form>

<form class="quote-form">
  <div class="field-set"><button type="button" class="button button-primary"> Get My Quote </button></div>
</form>

<form class="newsletter-form"><span class="title">Subscribe to our newsletter:</span>
  <div class="field-set">
    <div class="field"><input type="text" placeholder="Enter Email Address" class="dark"> <!----></div> <button disabled="disabled" class="button button-gray">Subscribe</button>
  </div> <!---->
</form>

Text Content

eFinancial
 * Get My Quote
 * Products
   * 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
   * Permanent Life
     * Whole Life Insurance
     * Universal Life Insurance
   * Final Expense
   * Accidental Death Benefit
   * 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
   * Life Insurance Glossary
   * Types of Life Insurance
     * Decreasing Term
     * Increasing Term
     * Variable Life
     * Cash Value Life
     * Group Life
     * Survivorship
     * Simplified Issue Life
     * Renewable Term
     * Mortgage Protection Life Insurance
   * Life Insurance 101
     * 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
     * Life Insurance for Diabetics
     * Life Insurance for Cancer
     * Life Insurance for Smokers
     * Life Insurance for Marijuana Users
     * Medical Exams
     * About Life Insurance Medical Exams
     * No Medical Exam Life Insurance
     * Insurance Company Reviews
   * Term vs. Whole Life Insurance Pros and Cons
   * Calculator
   * Blog
   * Support
 * About
   * Offices
   * Our Team
 * Careers
   * All Jobs
   * Become An Agent
 * eIndependent
   * Better Products
   * Better Leads
   * Better Support
   * Blog
   * Partner Help
   * ALISS® Login


Search
(833) 990-4259
833-483-2016


BEHIND EVERY POLICY, THERE’S A PERSON.

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 is right for me?How much life insurance do I
need?Why choose eFinancial?


WE WORK WITH TOP COMPANIES TO PROVIDE PRODUCTS THAT HELP MEET OUR CUSTOMERS'
DIVERSE NEEDS.

Each company meets our high standards for financial strength, quality, and
exceptional customer support. Click a logo below for more information.

 * 
   
 * 
   
 * 
   
 * 
   
 * 
   
 * 
   

1


OUR PATENTED PROCESS MAKES CHOOSING A LIFE INSURANCE POLICY SIMPLE AND FAST.

But first, we get to know you. It’s the best part of our job.


 * GETTING A QUOTE IS SIMPLE.
   
   Learn about coverage types, review offerings from highly rated companies,
   compare policies, and get your free quote – all on a single call.
   
   More
   
   
   GETTING A QUOTE IS SIMPLE.
   
   Learn about coverage types, review offerings from highly rated companies,
   compare policies, and get your free quote – all on a single call.
   
   More


 * ALWAYS THERE TO HELP YOU, EVERY STEP OF THE WAY.
   
   A dedicated agent helps you get started. Your support team works with you
   from the time you complete your application until your policy goes into
   effect.
   
   More
   
   
   ALWAYS THERE TO HELP YOU, EVERY STEP OF THE WAY.
   
   A dedicated agent helps you get started. Your support team works with you
   from the time you complete your application until your policy goes into
   effect.
   
   More


 * WE’RE READY WHEN YOUR POLICY NEEDS CHANGE.
   
   We’re here with knowledgeable resources for every stage and milestone. Learn
   more about life insurance and find answers to questions for wherever you are
   in life.
   
   More
   
   
   WE’RE READY WHEN YOUR POLICY NEEDS CHANGE.
   
   We’re here with knowledgeable resources for every stage and milestone. Learn
   more about life insurance and find answers to questions for wherever you are
   in life.
   
   More

Get my quoteTalk to an agent


KIND WORDS FROM SATISFIED CUSTOMERS:

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

123



WHAT IS LIFE INSURANCE?

Life insurance is a way to protect your family financially if something happens
to you. If you pass away while your life insurance policy is in effect, your
beneficiary will get a tax-free cash payment under current tax laws. 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 that come up.

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 whole life insurance –
which provides lifelong coverage as long as you pay your premium. Consider
comparing life insurance quotes online to better understand what fits your
budget and needs.

Get my quote


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
look into getting 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 note, student loans,
   or medical bills that health insurance or Medicare supplemental plans don’t
   cover
 * You want the financial strength 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
whatever the future brings. eFinancial is here to help you choose the best life
insurance policy for you.  We have life insurance policies, like term and
permanent life insurance, that can help ensure peace of mind and financial
wellness. We also have specialized insurance product options that range from
universal life insurance policies to benefits like accidental death coverage.

Get my quote


WHAT LIFE INSURANCE CAN DO FOR YOU

Start with a quick life insurance policy quote, then get a personalized life
insurance policy that has the power to give you and your loved ones peace of
mind in your financial situation. With life insurance, you can:

 * Give your family financial security: Life insurance secures your family’s
   financial future, so you can rest easy knowing they’re able to cover
   day-to-day expenses.
 * Pay for end-of-life expenses: With the average funeral costing $10,000 or
   more, life insurance can help your family pay for your service, medical
   bills, and other end-of-life costs.
 * Cover outstanding debt: From student loans to credit card debt, unresolved
   expenses can add up fast for your loved ones. A life insurance policy can
   protect them from unnecessary financial burdens.

In addition to these benefits, life insurance can bring valuable peace of mind
to you and your family when you need it most. Life insurance is one of the best
ways to show your family you care about their financial well-being and protect
them far into the future – even if you’re not there.

Get my quote


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 – and millennials overestimate the cost
of insurance rates at five times the actual amount. A $250,000 term life policy
for a healthy 30-year-old male can start as low as $13 a month.

Looking to price your own policy? If you’re doing an insurance overview, keep in
mind these factors that influence the cost:

 * The type of policy you choose, which includes the length (term or permanent)
   and coverage amount. Typically, term insurance is the most affordable type of
   coverage, with flexible premiums based on your coverage amount and length.
 * Your age. Life insurance rates go up as you get older, so it’s recommended to
   lock in low 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, or chew tobacco, 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.

eFinancial makes it easy to compare life insurance quotes online from top-rated
companies.


HOW MUCH LIFE INSURANCE DO YOU NEED?

When it comes to life insurance, 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 can be an excellent place to begin.
View our online calculator to get a personalized recommendation based on your
debt, savings, expenses, and more.

Calculate Coverage


EFINANCIAL FAQS

How is eFinancial different from other insurance agencies?

At eFinancial, we strive to be your one-stop resource for everything related to
your life insurance needs. That means we’ll:

 * Assign a dedicated agent to work with you every step of the way.
 * Help you compare policies and get a free quote on a single call.
 * 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.

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 live agents will work closely with you 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 is the same
whether you buy from the life insurance company itself or an agent or broker.
That means you’ll find the same rates shopping with eFinancial or shopping
directly with a life insurance company, 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 more than 20 top companies and decide which one is best for you.
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 walk you through your options. We’ll help you get the best
value for you and your family.

How does the life insurance buying process work?
 * Shop and research by comparing quotes online or with one of our dedicated
   insurance agents. We can help you navigate the differences between things
   like term and whole life insurance and any other questions you may have. We
   also have a dedicated life insurance calculator that can help you compare
   term life insurance rates.
 * Select and apply for a policy that best fits your and your family’s needs.
   You can get same-day coverage through eFinancial, in many cases.
 * Buy and pay either in monthly or annual installments, with a regular review
   to make sure the policy is still fitting your needs.
 * Claim peace of mind and financial security for your loved ones. Life
   insurance is used for building cash value over time for the needs of your
   family after you’re gone. 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.


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.

Learn MoreExplore Careers


RECENT BLOG POSTS

BLOG • 9/30/21 11 Expenses That Life Insurance Covers

BLOG • 9/29/21 Life Insurance Company Ratings: What They Tell You

BLOG • 9/9/21 Questions to ask before buying life insurance


View All


GET YOUR QUOTE ONLINE, OR TALK TO ONE OF OUR AGENTS AT 833-483-2016833-990-4259.

Get My Quote
Subscribe to our newsletter:

Subscribe
 * LinkedIn
 * Instagram
 * Facebook

GET MY QUOTE SUPPORT CONTACT US
PRODUCTS Term Life Permanent Life Final Expense
RESOURCES How Life Insurance Works FAQ Glossary Life Insurance Calculator Blog
ABOUT Our Story Offices Our Team Opt Out
CAREERS Open Jobs Become an Agent
eINDEPENDENT Top-Rated Companies Warm Transfers Case Management Blog Partner
Support
GET MY QUOTE PRODUCTS RESOURCES ABOUT CAREERS
eINDEPENDENT SUPPORT CONTACT US

 * LinkedIn
 * Instagram
 * Facebook

©2020 Efinancial, LLC. All Rights Reserved.

Privacy Policy Terms of Use Advertising Disclosures Sitemap