Zander Life Insurance Company Review (2024)
Zander Life Insurance is an agency that offers life insurance quotes from top companies, including AIG and Mutual of Omaha. Zander Life Insurance only offers term life insurance quotes, which can be anywhere from 10 to 30 years long and cover up to $10 million in coverage. Zander Insurance has an A+ rating and positive customer reviews with the Better Business Bureau.
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Heidi Mertlich
Licensed Life Insurance Agent
Heidi works with top-rated life insurance carriers to bring her clients the highest quality protection at the most competitive prices. She founded NoPhysicalTermLife.com, specializing in life insurance that doesn’t require a medical exam. Heidi is a regular contributor to several insurance websites, including FinanceBuzz.com, Insurist.com, and Forbes. As a parent herself, she understands the ...
Licensed Life Insurance Agent
UPDATED: Nov 17, 2023
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- Zander Life Insurance is an insurance agency that helps match clients with a life insurance agency that meets their needs
- Zander only offers term life insurance policies, and the company does not allow clients to purchase riders to personalize their coverage options
- Zander Insurance has an A+ rating with the Better Business Bureau
If you’re searching for a life insurance policy that meets your needs, you may want to consider Zander Life Insurance.
Zander Life Insurance does not directly issue life insurance policies. Instead, Zander is an insurance agency that will help you shop specifically for term life insurance options. If you are searching for permanent life insurance options, you’ll want to choose a different agency to help you find the right policy.
As you shop for term or whole life insurance plans, be sure to compare quotes from several companies before making any final decision. Comparing life insurance quotes can help you save a lot of money when it comes to monthly rates.
In fact, you can use our free quote tool above to start your search for the best term or whole life insurance policies in your area today.
How does Zander work?
If you want to find a life insurance policy but you’re not exactly sure where to start, Zander Life Insurance may be able to help you. Zander is an agency that partners with several different major life insurance companies in the United States, including:
- Mutual of Omaha
- AIG
- Prudential
- Assurity
- Banner Life
- Lincoln Financial Group
- Pacific Life
- Protective Life
- SBLI
- Transamerica
Because Zander only offers term life insurance policies, the process of finding the right policy with the right company is a bit simpler than it might be with other agencies. Zander allows clients to apply for up to $10 million in coverage with a term life policy.
Term policies that Zander Life Insurance issues via other companies can last for a term anywhere from 10 years to 30 years, and some clients may be eligible to purchase term life coverage without having to go through a medical exam.
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Do I need term or permanent life insurance?
If you’ve done much research to find a life insurance policy, you may have noticed that many financial experts recommend term life insurance policies. This is why Zander is nationally endorsed by the Dave Ramsay Show. And while many associate Dave Ramsay with whole life insurance, he openly promotes Zander’s term life options as a wise move for many Americans.
Dave Ramsay and other financial experts tend to recommend term life insurance policies because these policies are often a lot less expensive than permanent life insurance policies. Essentially, you pay a lot less for a term life insurance policy because your beneficiaries will only have temporary protection.
During your term, your beneficiaries will receive the death benefit of your life insurance policy. But once the term of your policy ends, your beneficiaries are no longer eligible for your death benefit.
Many people who are looking for permanent protection for their loved ones would prefer to purchase a permanent life insurance policy. Permanent life insurance — which comes in many different forms and offers a lot by way of annuities, riders, and overall flexibility — is a popular option for coverage, but it can cost substantially more than a term policy.
To determine whether a term life insurance policy through Zander would work for you, you first need to assess your needs and decide which type of policy would work best and which type you can afford.
How much is term life insurance through Zander?
Zander Life Insurance prides itself on finding clients the best possible rates when it comes to term life insurance coverage. Because of this, you are likely to find that companies offer different rates depending on a number of factors, including:
- Age
- Gender
- Where you live
- Occupation
- Whether or not you smoke
- Medical history
- Family’s health history
- BMI
- Lifestyle
- Marital status
As you answer questions pertaining to the topics above, Zander will generate quotes for you from different life insurance companies. If you are considered an ideal life insurance client, you may get rates that are lower than you expect. But if you are not in good health or you have a dangerous job, you can expect to pay higher-than-average monthly rates for your life insurance coverage.
The table below shows the average monthly rates for a term life insurance policy based on gender, age, and the policy amount.
Average Monthly 20-Year Term Life Insurance Rates by Age, Gender, and Coverage Value| Age and Gender | $250,000 Policy Average Monthly Life Insurance Rates | $500,000 Policy Average Monthly Life Insurance Rates | $750,000 Policy Average Monthly Life Insurance Rates | $1 Million Policy Average Monthly Life Insurance Rates | $2 Million Policy Average Monthly Life Insurance Rates |
|---|---|---|---|---|---|
| 20-Year-Old Male | $18 | $29 | $40 | $47 | $86 |
| 20-Year-Old Female | $15 | $22 | $30 | $35 | $64 |
| 25-Year-Old Male | $17 | $28 | $39 | $46 | $86 |
| 25-Year-Old Female | $15 | $22 | $30 | $35 | $65 |
| 30-Year-Old Male | $18 | $29 | $40 | $47 | $89 |
| 30-Year-Old Female | $15 | $23 | $31 | $37 | $69 |
| 35-Year-Old Male | $19 | $31 | $44 | $52 | $99 |
| 35-Year-Old Female | $17 | $26 | $36 | $43 | $79 |
As you can see, you can expect to pay more for a life insurance policy as you age, if you’re a male, and if you purchase a policy with a higher death benefit.
Using Zander will help you get a better idea of how much you can expect to pay for a term life insurance policy based on your unique factors. If you know you want a whole life insurance policy, you will want to compare quotes another way, as Zander will not be able to offer you any information.
As a comparison to the term rates shown in the table above, the table below shows monthly rates for whole life insurance based on gender, age, and policy amount.
Whole Life Insurance Rates by Age, Gender, and Policy Limit| Age & Gender | $250K Policy Limit | $500K Policy Limit | $750K Policy Limit | $1M Policy Limit | $2M Policy Limit |
|---|---|---|---|---|---|
| 25-Year-Old Female | $156 | $307 | $458 | $600 | $1,196 |
| 25-Year-Old Male | $178 | $351 | $524 | $688 | $1,179 |
| 30-Year-Old Female | $189 | $374 | $558 | $733 | $1,462 |
| 30-Year-Old Male | $213 | $421 | $629 | $827 | $1,650 |
| 35-Year-Old Female | $219 | $433 | $647 | $852 | $1,699 |
| 35-Year-Old Male | $261 | $517 | $773 | $1,020 | $2,035 |
| 40-Year-Old Female | $264 | $523 | $782 | $1,032 | $2,059 |
| 40-Year-Old Male | $328 | $652 | $975 | $1,289 | $2,574 |
| 45-Year-Old Female | $329 | $653 | $978 | $1,293 | $2,581 |
| 45-Year-Old Male | $416 | $827 | $1,239 | $1,641 | $3,277 |
| 50-Year-Old Female | $421 | $837 | $1,254 | $1,661 | $3,317 |
| 50-Year-Old Male | $531 | $1,057 | $1,584 | $2,101 | $4,198 |
| 55-Year-Old Female | $544 | $1,084 | $1,623 | $2,153 | $4,302 |
| 55-Year-Old Male | $678 | $1,351 | $2,024 | $2,688 | $5,372 |
| 60-Year-Old Female | $705 | $1,406 | $2,107 | $2,799 | $5,593 |
| 60-Year-Old Male | $865 | $1,725 | $2,586 | $3,437 | $6,869 |
| 65-Year-Old Female | $935 | $1,865 | $2,796 | $3,717 | $7,429 |
| 65-Year-Old Male | $1,123 | $2,241 | $3,360 | $4,468 | $8,932 |
| 70-Year-Old Female | $1,274 | $2,544 | $3,814 | $5,074 | $10,143 |
| 70-Year-Old Male | $1,518 | $3,031 | $4,544 | $6,047 | $12,090 |
You may notice a stark difference when it comes to life insurance rates for these two different policies. If you know you want a life insurance policy, but you feel like the whole life insurance options are simply too expensive, you can pursue a term life insurance policy knowing you’re making the best financial decision for yourself and your loved ones.
Effortless Claims Handling With Zander Life Insurance
Ease of Filing a Claim (Online, Over the Phone, Mobile Apps)
Zander Life Insurance Company provides a streamlined process for filing insurance claims, offering multiple convenient avenues for policyholders to report claims. Whether you prefer online convenience, phone assistance, or mobile app accessibility, Zander has you covered.
This flexibility ensures that you can report a claim in a way that suits your preferences and circumstances, making the process hassle-free.
Average Claim Processing Time
The speed at which an insurance company processes claims is a crucial factor for policyholders. Zander Life Insurance is committed to efficient claim processing. While specific processing times may vary depending on the nature and complexity of the claim, Zander strives to handle claims promptly, allowing beneficiaries to receive their benefits in a timely manner.
This commitment to efficiency provides peace of mind during challenging times.
Customer Feedback on Claim Resolutions and Payouts
Customer feedback is invaluable when evaluating an insurance company’s performance. Zander Life Insurance has garnered positive reviews and an A+ rating from the Better Business Bureau.
These accolades reflect the company’s dedication to resolving claims satisfactorily and delivering payouts as promised. Reading about the experiences of other policyholders can help you gain confidence in Zander’s claim resolution process.
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Exploring Zander Life Insurance Digital and Technological Innovations
Mobile App Features and Functionality
Zander Life Insurance offers a comprehensive mobile app equipped with a range of features and functionalities to enhance your insurance experience. The app provides easy access to your policy details, allows you to make payments, and offers tools for managing your coverage effectively.
With the Zander mobile app, you can conveniently stay connected to your insurance information on the go.
Online Account Management Capabilities
Managing your insurance policies and accounts online is a seamless experience with Zander. The company’s online account management portal empowers policyholders to access policy documents, update personal information, and track policy performance effortlessly.
This digital convenience simplifies the administrative aspects of your insurance coverage, putting control at your fingertips.
Digital Tools and Resources
Zander Life Insurance recognizes the importance of providing policyholders with valuable digital tools and resources. These tools may include calculators to assess coverage needs, educational materials to enhance your understanding of life insurance, and informative articles to keep you informed about industry trends.
These digital resources contribute to a more informed and confident approach to life insurance planning.
Does Zander have good ratings and reviews?
When it comes to ratings and reviews, Zander Insurance has an A+ rating with the Better Business Bureau (BBB). The BBB website also shows that Zander has positive customer reviews and a 3.5 out of five-star rating with the company as well.
If you’re considering using Zander to help you find a life insurance policy, it’s still a good idea to use another comparison tool to find the absolute best policy out there.
You can use our free quote tool below to find and compare rates for whole or term life insurance policies to see which company will offer you the coverage you need at an affordable rate.