Is AIG Direct legitimate?
Yes! AIG Direct is NOT a scam. AIG Direct has helped thousands of people buy life insurance online from American General Life.
Is AIG Direct the same as Matrix Direct?
Yes. AIG Direct operates under the name of Matrix Direct Insurance Services in MA and Matrix Direct, Inc. in some states.
Is AIG Direct the exclusive seller of American General Life?
The answer is No. You can buy American General Life from this website.
How does AIG Direct make money?
AIG Direct makes a commission on every insurance policy they sell. This commission is paid by the life insurance company and not the buyer.
Do I have other options besides American General Life when shopping at AIG Direct?
Not really. AIG Direct is a subsidiary of American General Life Insurance Company.
are bestow's rates competitive?
YES. Bestow term life insurance rates aren’t the lowest available, but they are consistently better than average when compared to those of the top insurers. In addition, Bestow applicants may qualify for more coverage —up to $500,000— without a medical exam and pay significantly lower premiums verses a typical no exam policy.
does bestow offer good customer service?
Bestow's website portal appears to be very efficient in handling the life insurance application and underwriting process. They also provide a toll free number if you need to talk to a customer care representative.
will applying for life insurance on bestow's website hurt my credit score?
No. Insurers look at the data behind your credit score (like timeliness of payments or if you’ve filed for bankruptcy), but not your credit score itself. The request for this data is only a soft credit inquiry and doesn’t impact your credit.
are there any customer complaints about bestow?
YES & NO. It may be too early to tell. Remember, it's not for everyone. If you fit their profile and get approved for the coverage, it will be an easy buying experience.
what happens when i turn 66 years old?
Your coverage will expire. Given that the current average life expectancy for Americans is 78.7 years, we urge you to shop around
What happens if Bestow can not offer me coverage?
If Bestow can not offer you coverage due to age, health, etc., they will provide a link to Policygenius as an alternative.
Is matrix Direct legitimate?
Yes! Matrix Direct is NOT a scam. They are reputable and has been in business since 1995. They have helped thousands of people buy their life insurance online.
Is Matrix Direct reliable enough to provide the best service?
Sometimes yes, sometimes no! You will see great reviews on the Matrix Direct website about their own customer service. The flip side is the service is not so good when you read the complaints about Matrix Direct from the Better Business Bureau.
Does Matrix Direct represent the most reputable life insurance companies?
The answer is yes BUT so does every other online life insurance agencies.
How does matrix Direct make money?
Matrix Direct makes a commission on every insurance policy they sell. This commission is paid by the life insurance company and not the buyer.
Does Matrix Direct sell different kinds of insurance besides life insurance?
Yes. According to their website, Matrix Direct also sells accidental death and disability insurance.
Is SelectQuote legitimate?
The answer is yes! SelectQuote is a very reputable and has been in business since 1985 and has helped thousands of people buy life insurance.
Is SelectQuote reliable enough to provide the best service?
Sometimes. You will see great comments about their service on SelectQuote’s website. The flip side is the service is not so good when you read the complaints about SelectQuote from the Better Business Bureau.
Does SelectQuote represent the most reputable life insurance companies?
The answer is yes BUT they are not unique. You will find the same exact companies and MORE on the website.
How does SelectQuote make money?
The honest answer is SelectQuote, like all life insurance agents, makes a commission on every insurance policy they sell. This commission is paid by the life insurance company and not the buyer.
Does SelectQuote sell different kinds of insurance besides life insurance?
Yes they do. SelectQuote also sells auto insurance and home owner’s insurance, as well as medicare supplement insurance.
are ladder's rates competitive?
YES. Ladder’s term life insurance rates aren’t the lowest available, but they are consistently better than average when compared to those of the top insurers. In addition, Ladder’s applicants may qualify for more coverage without a medical exam and pay significantly lower premiums verses a typical no exam policy.
does ladder offer good customer service?
YES. Their website portal appears to be very efficient in handling the life insurance application / underwriting process. Ladder has a live chat option (with actual people) as well as a phone number posted to call in. That said, the applicant could go through without having to communicate with anyone, but their team is available to help answer questions if anything comes up. They're salaried, not commissioned, so their role is help, not sell.
are there any customer complaints about ladder?
is ladder's website good, safe, and reliable to use?
YES – Although their website does not have as much educational content as other websites and they only offers policies from one A- AM Best company, their platform is safe and secure.
Is it okay to buy life insurance thru Nerdwallet / Quotacy?
YES. Nerdwallet – thru Quotacy – represents all the top rated, most competitive life insurance companies in the market.
can Nerdwallet / Quotacy offer a better price?
NO. The truth is the majority of life insurance brokerage websites, including this one, SELL THE EXACT SAME COMPANIES AT THE EXACT SAME PRICE. There are no better “deals” elsewhere.
Does Nerdwallet / Quotacy have good customer service?
YES. They are very efficient in handling the life insurance application / underwriting process. HOWEVER, as with most life insurance brokerage websites, they tend to call and email you too much if you review the quotes and do not actually buy.
Are there any customer complaints about Nerdwallet?
YES. Check out the Better Business Bureau. However there are few complaints relative to how many users the website has. There are no complaints about Quotacy with the BBB.
Is the Nerdwallet / Quotacy website good, safe and reliable to use when buying life insurance?
YES – The website is full of informative articles on a variety of financial subjects. The information is relevant / reliable and their platform is safe and secure.
are haven life's rates competitive?
YES. Haven Life’s term life insurance rates aren’t the lowest available, but they are consistently better than average when compared to those of the top insurers. In addition, because Haven Life’s policies are fully underwritten, those who qualify for coverage without a medical exam will pay significantly lower rates verses a typical no-exam policy.
does haven offer good customer service?
YES. They are very efficient in handling the life insurance application / underwriting process.
are there any customer complaints about haven?
YES. Check out the Better Business Bureau. However there are few complaints because Haven Life is a good company and has only been around since 2015.
is haven life's website good, safe, and reliable to use?
YES – Although Haven Life does not have as much educational content as other websites and only offers 1 company, their platform is safe and secure.
did haven life recently acquire quilt?
YES. Haven Life plans on using the Quilt digital platform to sell annuities underwritten by MassMutual starting in 2019
are ethos rates competitive?
YES. Ethos term life insurance rates aren’t the lowest available, but they are consistently better than average when compared to those of the top insurers. In addition, Ethos applicants may qualify for more coverage —up to $1,000,000— without a medical exam and pay significantly lower premiums verses a typical no exam policy.
will i need a medical exam or lab appointment?
It’s possible. Every customer is underwritten on an individual basis making it difficult to predict whether you will need to have a medical exam. That said, in most cases, applicants don’t need to get a medical exam. If you do, it can be done conveniently at no expense to you.
can i still get coverage even if i have some health issues?
Possible. Every customer is underwritten individually and receives a price based on many factors – (medical history, current health, age, and gender). It is possible to be denied coverage due to health issues.
will applying for ethos hurt my credit score?
No. Insurers look at the data behind your credit score —timeliness of payments or if you’ve filed for bankruptcy— but not your credit score itself. The request for this data is only a soft credit inquiry and doesn’t impact your credit.
does ethos offer good customer service?
YES. Their website portal is very efficient in handling the life insurance application / underwriting process.
are there any customer complaints about ethos?
YES & NO. If you fit their profile and get approved for the coverage, it will be an easy buying experience. You will be happy and have no complaints. If you are rejected, you will not be happy. This in turn will generate complaints.
is the ethos platform a good, safe and reliable way to buy life insurance?
YES – The Ethos platform is safe and secure.
what happens when i turn 85 years old?
Your coverage will expire unless converted to a permanent life insurance policy.
are TruStage rates competitive?
No. TruStage term life, whole life, and guaranteed acceptance whole life rates are average compared it’s competitors. There are better deals if you shop around.
will i need a medical exam or lab appointment?
It’s possible. Every customer is underwritten on an individual basis making it difficult to predict whether or not you will require a medical exam. That said, in most cases, applicants don’t need to get a medical exam. If you do, it can be done conveniently at no expense to you.
can i still get coverage even if i have some health issues?
Possible. Every customer is underwritten individually and receives a price based on many factors – (medical history, current health, age, and gender). It is possible to be denied coverage due to health issues.
will applying for TruStage hurt my credit score?
No. Insurers look at the data behind your credit score —timeliness of payments or if you’ve filed for bankruptcy— but not your credit score itself. The request for this data is only a soft credit inquiry and doesn’t impact your credit.
does TruStage offer good customer service?
YES. Their website portal is very efficient in handling the life insurance application / underwriting process.
are there any customer complaints about TruStage?
YES & NO. If you fit their profile and get approved for the coverage, it will be an easy buying experience. You will be happy and have no complaints. If you are rejected, you will not be happy. This in turn will generate complaints.
is the TruStage platform a good, safe and reliable way to buy life insurance?
YES. The TruStage platform appears safe and secure.
what happens when i turn 80 years old?
If you own TruStage term life insurance, the policy will expire. If you own TruStage whole life or guaranteed acceptance whole life, your policy will remain inforce, with no premium increase, as long as you continue to pay your premiums.
Do I have to be a member of a credit union to purchase?
NO. TruStage products are now available to everyone.
Does TruStage offer any other types of insurance coverage?
YES. TruStage also offers AD&D, auto, property, and health insurance.
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