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# Effortless Insurance

Life Insurance Quotes in Under 30 Sec.

## Sitemaps

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## Posts

- [10 Best Life Insurance Companies That Won't Increase Rates in #current_year (Find the Top Providers Here)](https://www.effortlessinsurance.com/best-life-insurance-companies-with-rates-that-stay-the-same/) - Starting at only $38/month, discover the best life insurance companies that won't increase rates with AIG. Enjoy stable, reliable, and long-term coverage today.
- [10 Best Life Insurance Companies for Collateral Assignment in #current_year (Top Providers Ranked)](https://www.effortlessinsurance.com/best-life-insurance-companies-that-allow-assignment-of-collateral/) - Compare the best life insurance companies for collateral assignment at AIG with rates from $284 per month. Get a quote today for lender-approved coverage.
- [How Your Job Impacts Your Life Insurance Cost](https://www.effortlessinsurance.com/how-your-job-impacts-your-life-insurance-cost/) - The nature of your job can influence life insurance costs, with high-risk occupations paying more. Learn how your job impacts your life insurance cost here.
- [Oxford Life Insurance Company Review](https://www.effortlessinsurance.com/oxford-life-insurance/) - Complete Oxford Life Insurance Company review of policies and riders. Oxford life rates start at $24.51/mo. Compare life insurance rates here.
- [Forethought Life Insurance Company Review for #current_year](https://www.effortlessinsurance.com/forethought-life-insurance-company-review/) - The Forethought Life Insurance Company provides permanent life insurance options. Keep reading to find out if the company is a good fit for you.
- [Types of Life Insurance: Find the Right Policy for Your Needs](https://www.effortlessinsurance.com/types-of-life-insurance-find-the-right-policy-for-your-needs/) - Average life insurance rates cost $26/mo, but what is the best type of life insurance for your needs? Explore the different types of life insurance here.
- [Transamerica Life Insurance Company Review](https://www.effortlessinsurance.com/transamerica-life-insurance-company-review/) - This is an insider's Transamerica life insurance review which you will learn all about the products they offer, ratings and sample rates.
- [Foresters Life Insurance Company Review](https://www.effortlessinsurance.com/foresters-life-insurance-company-review/) - Foresters life insurance quotes start at $16/mo for term life, but Foresters offers several other coverage options. Learn more about Foresters life insurance here.
- [Accordia Life Insurance Review for #current_year](https://www.effortlessinsurance.com/accordia-life-insurance/) - Accordia Life isn’t a name you hear often. However, we believe you will benefit from reading our review so you can make an informed decision. Find out more.
- [How long does it take to get life insurance proceeds?](https://www.effortlessinsurance.com/how-long-does-it-take-to-get-life-insurance-money/) - The last thing a beneficiary wants to worry about is how long it takes to get life insurance money after his/her loved one has died. Keep reading to find out more.
- [Burial & Final Expense Insurance: Buyer's Guide (Companies + Rates)](https://www.effortlessinsurance.com/final-expense-insurance/) - Burial and final expense insurance can help ease the financial burden on loved ones. Compare rates starting at $41.01/month with a FREE quote tool now.
- [Gerber Life Insurance Review (Companies + Rates)](https://www.effortlessinsurance.com/gerber-life-insurance-company-review/) - Gerber Life compared to the competition. Learn about why it isn't only for children, compare rates, and much more. Get started now.
- [10 Best Life Insurance Companies in #current_year (Expert Favorites)](https://www.effortlessinsurance.com/best-life-insurance-companies-for-you/) - Compare the best life insurance companies, with rates starting at $28/month. Prudential stands out as the top provider. Get affordable, reliable coverage today.
- [Life Insurance Attending Physician Statement (APS) | APS Underwriting](https://www.effortlessinsurance.com/life-insurance-attending-physician-statement/) - When life insurance attending physician statements is required, it could help you get rates as low as $13.71/month. Keep reading to learn more about APS underwriting.
- [Liberty Mutual Life Insurance Review #current_year (Companies + Rates)](https://www.effortlessinsurance.com/liberty-mutual-life-insurance-review/) - With a range of products, you can get the life insurance coverage to meet your needs from Liberty Mutual life insurance for as low as $16.83/month. Liberty Mutual Life Insurance is a top life insurance provider and is the A-rated. Learn more.
- [Globe Life Insurance Company Review #current_year (Companies + Rates)](https://www.effortlessinsurance.com/globe-life-insurance-company-review/) - Globe Life insurance rates are as low as $2/month and there's no medical exam, but you can't manage your account online. Learn more about Globe life insurance products.
- [How to Cancel John Hancock Life Insurance in 3 Easy Steps](https://www.effortlessinsurance.com/cancel-john-hancock-life-insurance/) - Looking for information on how to cancel your John Hancock life insurance? John Hancock allows cancellations with certain restrictions. You also may be eligible for a refund. Learn more.
- [Great Western Insurance Company Review (#current_year)](https://www.effortlessinsurance.com/great-western-insurance/) - Great Western Insurance focuses on preneed funeral insurance and final expense whole life insurance coverage. Give the company a call to learn more details.
- [AARP Life Insurance Company Review](https://www.effortlessinsurance.com/aarp-life-insurance-company-review/) - This is an in-depth AARP life insurance review. AARP offers term whole and guaranteed issue life insurance. Is AARP a good choice?
- [Can I cancel my Liberty Mutual policy online?](https://www.effortlessinsurance.com/can-i-cancel-my-liberty-mutual-policy-online/) - If you've been wondering, "Can I cancel my Liberty Mutual policy online?", yes, you can, but you will have to take certain steps. Learn more below.
- [TIAA Life Insurance Review (Companies + Rates)](https://www.effortlessinsurance.com/tiaa-life-insurance/) - Our unbiased TIAA life insurance review covers policy options for existing customers, starting at $10/month. Plus, compare rates with a FREE quote tool now.
- [How to Cancel Banner Life Insurance in 3 Easy Steps](https://www.effortlessinsurance.com/cancel-banner-life-insurance/) - If you need to cancel Banner Life insurance, you may face a financial penalty after the first 30 days. Compare quotes from top companies to save.
- [Best Life Insurance Companies That Accept ITIN (#current_year)](https://www.effortlessinsurance.com/best-life-insurance-companies-that-accept-itin/) - Most life insurance companies that accept ITIN offer guaranteed life or no-medical exam life insurance for immigrants. Learn how to buy life insurance from companies that accept ITIN here.
- [Physicians Mutual Life Insurance Company Review](https://www.effortlessinsurance.com/physicians-mutual-life-insurance/) - Physicians Mutual Life Insurance Company offers term, whole, final expense policies, and more. Compare Physicians Mutual reviews and rates, and learn more here.
- [What are the life insurance beneficiary rules?](https://www.effortlessinsurance.com/life-insurance-beneficiary-rules/) - If you have life insurance with a beneficiary, your life insurance will pay out to those beneficiaries when you die. However, life insurance beneficiary rules may be slightly different than you think.
- [Zander Term Life Insurance Review (#current_year)](https://www.effortlessinsurance.com/zander-term-life-insurance/) - Zander Term Life Insurance Company offers affordable life insurance policies that provide protection from the unexpected. Keep reading to learn more.
- [AIG Life Insurance Review (Companies + Rates)](https://www.effortlessinsurance.com/aig-life-insurance/) - Looking for affordable life insurance? AIG life insurance starts at just $10/mo, and the company gets praise for its customer service. Explore AIG reviews here.
- [How to Cancel AIG Life Insurance in 4 Easy Steps](https://www.effortlessinsurance.com/cancel-aig-life-insurance/) - Learn how to cancel AIG life insurance by phone or online in four easy steps. There are options to keep you insured if you're thinking of canceling AIG. Compare quotes now to save on life insurance.
- [Dos and Don'ts of Life Insurance (Top 20)](https://www.effortlessinsurance.com/dos-and-donts-life-insurance/) - Knowing the dos and don'ts of life insurance before you buy a policy is crucial to getting the most affordable life insurance rate. Learn everything you need to know about life insurance and whether term or whole life is right for you, then get coverage for as low as $10.85/mo. Get quotes.
- [What does it mean if I am a beneficiary of a life insurance policy?](https://www.effortlessinsurance.com/i-am-a-beneficiary-of-a-life-insurance-policy/) - What does it mean if I am a beneficiary of a life insurance policy? If you're a beneficiary, that means you'll receive benefits from a person who has a life insurance policy or a retirement fund. Find out more.
- [Term vs. Permanent Life Insurance: Which is better?](https://www.effortlessinsurance.com/term-vs-permanent-life-insurance/) - Do you need to know more about term vs. permanent life insurance? Which one you choose will depend on how long you'll need life insurance. Learn more here.
- [What is permanent life insurance?](https://www.effortlessinsurance.com/what-is-permanent-life-insurance/) - What is permanent life insurance? Permanent life insurance is a type of insurance that protects against the death of a policyholder. Learn more here.
- [AIG vs. American National: Best Life Insurance for #current_year](https://www.effortlessinsurance.com/aig-vs-american-national-life-insurance/) - Looking to compare AIG vs. American National life insurance? When stacked up, AIG has the cheapest rates, and American National has the better AM Best ratings. Get the details.
- [HSBC Life Insurance Review (Companies + Rates)](https://www.effortlessinsurance.com/hsbc-life-insurance-review/) - HSBC life insurance versus the competition. Learn about the types of coverage HSBC offers, its customer service, and more. Get started now.
- [Indexed Universal Life Insurance: Pros & Cons (Companies + Rates)](https://www.effortlessinsurance.com/indexed-universal-life-insurance/) - An indexed universal life insurance or IUL policy can provide for your retirement, insurance, and investment needs. Learn the pros and cons of this whole life insurance policy, compare rates from the top providers with a 100% FREE quote tool, and more. Read now.
- [Globe Life: Whole Life Insurance](https://www.effortlessinsurance.com/globe-life-whole-life-insurance/) - Globe Life whole life insurance rates vary based on a variety of factors. There are several different options when it comes to Globe Life whole life insurance policies. Learn more.
- [Best Life Insurance for People With Ulcerative Colitis in #current_year (10 Standout Companies)](https://www.effortlessinsurance.com/life-insurance-ulcerative-colitis/) - Find the best life insurance for people with ulcerative colitis starting at $58 per month. Choose Prudential for comprehensive coverage. Get a quote today.
- [Best Life Insurance for After a Heart Attack in #current_year (Top 10 Companies Ranked)](https://www.effortlessinsurance.com/life-insurance-heart-attack/) - Find the best life insurance after a heart attack with Mutual of Omaha, starting at only $47/month. Get premium coverage and unwavering peace of mind today.
- [10 Best Life Insurance Companies for High-Risk Individuals in #current_year (Our Top Picks)](https://www.effortlessinsurance.com/best-life-insurance-companies-for-high-risk-individuals/) - Unveil the best life insurance companies for high-risk individuals, with rates at $29/month. AIG is the top provider. Get affordable, tailored coverage now.
- [How Much Does Whole Life Insurance Cost?](https://www.effortlessinsurance.com/whole-life-insurance-cost/) - In this post, I will cover the whole life insurance policy also called cashvalue, and the estimated costs based on age.
- [What does life insurance cover?](https://www.effortlessinsurance.com/what-does-life-insurance-cover/) - Have you ever found yourself wondering, what does life insurance cover? There are a few instances that may not be covered, and it's best to know beforehand. Learn more here.
- [The Life Insurance Underwriting Process](https://www.effortlessinsurance.com/life-insurance-underwriting/) - Life insurance underwriting is where your policy’s destiny is determined. It's where the costs, approval or denials are established.
- [Life Insurance: Most Frequently Asked Questions](https://www.effortlessinsurance.com/life-insurance-frequently-asked-questions/) - In our guide, we answer the top 50 questions our insurance brokers get daily. Find out about life insurance frequently asked questions, exclusions, and rates.
- [Best Life Insurance for Overweight Individuals in #current_year (Top 10 Companies)](https://www.effortlessinsurance.com/life-insurance-for-overweight-individuals/) - Get the best life insurance for overweight individuals with Banner Life, offering coverage from $20/month. Affordable rates and tailored plans—apply today.
- [Best Life Insurance for Tobacco Chewers in #current_year (Top 10 Companies Ranked)](https://www.effortlessinsurance.com/life-insurance-tobacco-chewers/) - Discover the best life insurance for tobacco chewers with starting rates at $53/month. Mutual of Omaha stands out as top provider. Get affordable coverage now.
- [Where To Buy Life Insurance (#current_year)](https://www.effortlessinsurance.com/where-to-buy-life-insurance/) - If you need a new policy, knowing where to buy life insurance is important. Check out how to find the best life insurance companies and get coverage.
- [What is the average life insurance payout?](https://www.effortlessinsurance.com/what-is-the-average-life-insurance-payout/) - Interested in what the average life insurance payout is? There are a lot of factors that determine what a payout will look like. Learn more here about what to expect.
- [Life Insurance Underwriting Test](https://www.effortlessinsurance.com/what-do-life-insurance-companies-test-for-in-underwriting/) - The insurance medical exam is considered the most significant aspect of the application process. Do you know what the carrier test for?
- [How do open care final expense plans work?](https://www.effortlessinsurance.com/open-care-final-expense-plans/) - A final expense plan is a type of life insurance policy that pays the beneficiary after you die. These plans help beneficiaries pay for funeral expenses and other costs associated with your death.
- [Term Life Insurance Rates by Age (Exam & No-Exam)](https://www.effortlessinsurance.com/sample-life-insurance-rates/) - By reviewing sample life insurance rates by age, term, and coverage, you can estimate quotes before applying.
- [10 Cities with the Most Physically Demanding Jobs](https://www.effortlessinsurance.com/most-physically-demanding-jobs-by-city-and-pay/) - Memphis, Tennessee, is #1 in our list of the cities with the most physically demanding jobs, with almost 12% of workers in physically demanding jobs. Learn more about where your city stands by clicking here.
- [The Most Surprising (Yet) Common Causes of Death [All 50 States + DC]](https://www.effortlessinsurance.com/most-common-cause-of-death-all-states/) - Out of all states and D.C., one of the most common causes of death in 15 states was intentional self-harm as the No. 1 cause of death. Learn more about where your state stands by clicking here.
- [Expert MIB Group Guide to Life Insurance (Companies + Rates)](https://www.effortlessinsurance.com/mib-group/) - What is MIB Group and how do they affect life insurance? Find out what they know about you and why it matters with our expert guide.
- [Critical Life Insurance for Diabetics: Types 1 & 2 (Companies + Rates)](https://www.effortlessinsurance.com/life-insurance-for-diabetics/) - Getting life insurance with diabetes is no longer impossible. Learn more about how diabetes affects your rates and start comparing quotes. Get started now.
- [Life Insurance Cost by Age: How Your Age Impacts Life Insurance Premiums](https://www.effortlessinsurance.com/life-insurance-cost-by-age-how-your-age-impacts-life-insurance-premiums/) - Life insurance is cheaper the younger you purchase a policy. Learn about life insurance cost by age and how your age impacts life insurance premiums here.
- [Best Cities for Same-Sex Married Couples [+#current_year LGBTQ State Stats]](https://www.effortlessinsurance.com/lgbtq-best-cities/) - Looking for the safest LGBT places to live? San Francisco is one of the best cities for same-sex married couples, but you can explore other grhere.
- [Infinite Banking: Buyer’s Guide (Companies + Rates)](https://www.effortlessinsurance.com/infinite-banking-life-insurance/) - Curious about Infinite Banking? The Infinite Banking Concept is the idea that you can use your whole life insurance policy for personal loans. Learn more.
- [How does life insurance work?](https://www.effortlessinsurance.com/how-does-life-insurance-work/) - How does life insurance work? Life insurance allows you to provide for your loved ones if and when you pass away. Learn about your life insurance options here.
- [How does a death benefit work?](https://www.effortlessinsurance.com/how-does-a-death-benefit-work/) - What is a death benefit and how does it work? The amount will vary, but it's paid out to the insured's loved ones after they've passed away. Learn more here.
- [How a Pre-Existing Conditions Affects Life Insurance](https://www.effortlessinsurance.com/how-a-pre-existing-conditions-affects-life-insurance/) - Discover how pre-existing conditions can impact your ability to secure life insurance coverage.
- [Benefits of Eating Healthy (Insurance Savings & More!)](https://www.effortlessinsurance.com/healthy-eating-benefits/) - Two out of three adults are overweight, putting many adults on the fast track for a deadly illness. Read this article to learn about the many benefits of eating healthy.
- [Best Life Insurance Companies That You Can Borrow From (#current_year)](https://www.effortlessinsurance.com/best-life-insurance-companies-that-you-can-borrow-from/) - Looking for life insurance companies that you can borrow from? Understanding affordable options from various companies can help you. Read on to learn more here.
- [Best Life Insurance for People With Breast Cancer in #current_year (10 Standout Companies)](https://www.effortlessinsurance.com/life-insurance-breast-cancer/) - Find the best life insurance for people with breast cancer, with rates starting at $250 per month. AIG is the top pick company. Compare quotes and save today.
- [Best Life Insurance for People With Hepatitis in #current_year (10 Standout Companies)](https://www.effortlessinsurance.com/life-insurance-hepatitis/) - The best life insurance for people with hepatitis is from Mutual of Omaha, with their minimum and full coverage starting at $31 and $98 per month, respectively.
- [Best Life Insurance After a DUI in 2024 (Ranking of the Top 10 Companies)](https://www.effortlessinsurance.com/life-insurance-with-a-dui/) - Find the best life insurance after a DUI with Banner Life, Prudential, and Protective Life. Rates from $90/month. Get flexible policies and reliable coverage.
- [State Farm Life Insurance Review (Updated)](https://www.effortlessinsurance.com/state-farm-life-insurance/) - For over 90 years, State Farm life insurance has offered some of the most competitive term, whole, and universal policies around. Find term rates as low as $12.44/month. Learn more.
- [Mutual of Omaha Life Insurance Review (Companies + Rates)](https://www.effortlessinsurance.com/mutual-of-omaha-life-insurance-company-review/) - The Mutual of Omaha Life insurance company is also known as United of Omaha. In this review, I will look at the company’s products and rates.
- [Best Life Insurance for People With AFib in #current_year (Top 10 Companies Ranked)](https://www.effortlessinsurance.com/life-insurance-atrial-fibrillation/) - Find the best life insurance for people with AFib starting at $36 per month. Northwestern Mutual offers top coverage options. Get affordable coverage now.
- [New York Life Insurance Review (Companies + Rates)](https://www.effortlessinsurance.com/new-york-life-insurance-review/) - New York Life compared to the competition. Learn about their wide range of life insurance policies and compare rates. Read now.
- [Best Life Insurance for Felons in #current_year (Your Guide to the Top 10 Companies)](https://www.effortlessinsurance.com/life-insurance-with-a-felony/) - Find the best life insurance for felons with Prudential, Mutual of Omaha, and State Farm, starting at $12/month. Get covered quickly today with confidence!
- [Northwestern Mutual Life Insurance Review (Companies + Rates)](https://www.effortlessinsurance.com/northwestern-mutual-life-insurance-review/) - Northwestern Mutual versus the competition. Learn about its financial strength, types of coverage, and find a policy just right for you. Compare rates and more now.
- [Best Life Insurance for 40-Year-Olds in #current_year (Check Out the Top 10 Companies)](https://www.effortlessinsurance.com/life-insurance-40-year-old/) - Find the best life insurance for 40-year-olds with rates starting at $38. Transamerica leads with top coverage options. Get a quote today!
- [Prudential Life Insurance Review (Companies + Rates)](https://www.effortlessinsurance.com/prudential-life-insurance-company-review/) - Prudential life insurance policies compared to the rest. Find your policy, get a free quote, and much more. Get started now.
- [Best Life Insurance Companies That Use the Life360 App in #current_year](https://www.effortlessinsurance.com/best-life-insurance-companies-that-use-life360-app/) - Find the best life insurance companies using the Life360 app. Aflac leads with plans from $36/month. Compare options like AIG and AARP to find your best fit today!
- [10 Best Life Insurance Companies for Expats in #current_year (Check Out the Top Providers)](https://www.effortlessinsurance.com/best-life-insurance-companies-that-cover-expats/) - Discover the best life insurance companies for expats, with rates starting at $44/month. State Farm is the top pick for coverage and value. Get a quote now!
- [10 Best Life Insurance Companies That Cover Impaired Risk in #current_year (Our Top Picks)](https://www.effortlessinsurance.com/best-life-insurance-companies-that-cover-impaired-risk/) - Find the Best Life Insurance Companies That Cover Impaired Risk. Rates start at $31. Top pick: Prudential for reliable coverage. Get a quote today!
- [10 Best Life Insurance Companies That Sell Medicaid-Qualified Annuities in #current_year (Our Top Picks)](https://www.effortlessinsurance.com/best-life-insurance-companies-that-sell-medicaid-qualified-annuities/) - Discover the best life insurance companies that sell Medicaid-qualified annuities, such as AIG, with rates starting at $35/month. Get your free quote today.
- [Best Life Insurance for Dialysis Patients in #current_year (Your Guide to the Top 10 Companies)"](https://www.effortlessinsurance.com/life-insurance-dialysis-patients/) - Prudential offers the Best Life Insurance for Dialysis Patients, with rates from $38/month. Explore AIG's no-exam policies and AXA's international coverage today!
- [Best Life Insurance for Kidney Transplant Patients in #current_year (Your Guide to the Top 10 Companies)](https://www.effortlessinsurance.com/life-insurance-kidney-transplant-patients/) - Get the best life insurance for kidney transplant patients starting at $25. Mutual of Omaha is the top pick. Explore plans for comprehensive care and benefits!
- [Cheap Life Insurance for SSI Recipients in #current_year (10 Most Affordable Companies)](https://www.effortlessinsurance.com/life-insurance-ssi-recipients/) - Find cheap life insurance for SSI recipients with rates starting at $48. New York Life is the top pick for affordable coverage. Get peace of mind today!
- [Best Life Insurance for Seniors Over 85 (Top 10 Companies in #current_year)](https://www.effortlessinsurance.com/life-insurance-85-year-old/) - Find the best life insurance for seniors over 85 with rates starting at $39 per month. Mutual of Omaha stands out as a top pick. Get reliable coverage now.
- [Cheap Life Insurance for Low-Income Families in #current_year (Top 10 Low-Cost Companies)](https://www.effortlessinsurance.com/life-insurance-low-income-family/) - Find cheap life insurance for low-income families with rates as low as $12. State Farm, Northwestern Mutual, and AIG offer affordable, reliable coverage plans.
- [Best Life Insurance for Recovered Alcoholics in #current_year (Top 10 Companies Ranked)](https://www.effortlessinsurance.com/life-insurance-for-alcoholics/) - Find the best life insurance for recovered alcoholics with AIG. Rates start at $29/month. Get affordable, flexible coverage tailored for alcoholics in recovery.
- [Best Term Life Insurance for Seniors Over 70 in #current_year (10 Standout Companies)](https://www.effortlessinsurance.com/term-life-over-70/) - Discover the best term life insurance for seniors over 70 with AIG, starting at just $33 per month. Get affordable coverage tailored for seniors over 70 today.
- [Best Life Insurance After Prostate Cancer in #current_year (Review the Top 10 Companies Here)](https://www.effortlessinsurance.com/life-insurance-prostate-cancer/) - Discover the best life insurance after prostate cancer with AIG. Rates start at $37/month. Compare top company providers and secure an affordable plan today.
- [Best Life Insurance for Seniors over 60 in #current_year (10 Standout Companies)](https://www.effortlessinsurance.com/life-insurance-over-60/) - Discover the best life insurance for seniors over 60 with AARP. Rates start only at $25 per month. Find simple, affordable coverage that fits your needs today.
- [Best Life Insurance After Skin Cancer in #current_year (Your Guide to the Top 10 Providers)](https://www.effortlessinsurance.com/life-insurance-skin-cancer/) - Discover the best life insurance after skin cancer with rates from $47 per month. Foresters Financial is a top choice for seniors over 60. Get a quote today.
- [How to Cancel Americo Financial Life & Annuity Insurance in 5 Easy Steps](https://www.effortlessinsurance.com/cancel-americo-financial-life-annuity-insurance/) - Looking for information on how to cancel your Americo Financial Life & Annuity insurance? The Americo Insurance customer service can help.
- [John Hancock Life Insurance Review #current_year (Companies + Rates)](https://www.effortlessinsurance.com/john-hancock-life-insurance/) - John Hancock life insurance provides life insurance coverage with annual rates starting at $172.50/year and are offers life insurance coverage in 10-, 15- and 20-year terms. Learn more.
- [Best Life Insurance for an Unborn Baby in #current_year (10 Standout Companies)](https://www.effortlessinsurance.com/life-insurance-unborn-baby/) - Secure the best life insurance for an unborn baby with AARP. Enjoy top-rated coverage starting at $20/month, a trusted choice for family protection.
- [How to Cancel Foresters Financial Life Insurance in 5 Easy Steps](https://www.effortlessinsurance.com/cancel-foresters-financial-life-insurance/) - Need to know how to cancel Foresters Financial life insurance? You can cancel at any time for any reason, but you may be charged fees. Learn more.
- [How to Cancel American National Life Insurance in 3 Easy Steps](https://www.effortlessinsurance.com/cancel-american-national-life-insurance/) - Learn how to cancel American National life insurance polices and discover the different outcomes that can result from cancelling your term or whole life policy.
- [How to Cancel AARP (New York Life) Life Insurance in 4 Easy Steps](https://www.effortlessinsurance.com/cancel-aarp-new-york-life-insurance/) - Looking for information on how to cancel your AARP (New York Life) life insurance? AARP (New York Life) allows cancellations with certain restrictions. You also may be eligible for a refund. Learn more.
- [How to Cancel Gerber Life Insurance in 3 Easy Steps](https://www.effortlessinsurance.com/cancel-gerber-life-insurance/) - Looking for information on how to cancel your Gerber Life insurance? Gerber Life allows cancellations with certain restrictions. You also may be eligible for a refund. Learn more.
- [How to Cancel Liberty Mutual Life Insurance in 5 Easy Steps](https://www.effortlessinsurance.com/cancel-liberty-mutual-life-insurance/) - Looking for information on how to cancel your Liberty Mutual life insurance? Liberty Mutual allows cancellations with certain restrictions. You also may be eligible for a refund. Learn more.
- [How To Cancel Your Fidelity Life Insurance In 5 Easy Steps](https://www.effortlessinsurance.com/cancel-fidelity-life-insurance/) - Looking for information on how to cancel your Fidelity Life insurance? Fidelity Life allows cancellations with certain restrictions. You also may be eligible for a refund. Learn more.
- [Best Life Insurance for People With Dangerous Hobbies in #current_year (10 Standout Companies)](https://www.effortlessinsurance.com/best-insurance-dangerous-hobbies/) - Find the best life insurance for people with dangerous hobbies, with rates starting at $27 per month. AIG stands out as a top pick. Get affordable coverage now.
- [Best Life Insurance for Married Couples in #current_year (Compare the Top 10 Companies)](https://www.effortlessinsurance.com/life-insurance-for-married-couples/) - Get the best life insurance for married couples starting at $24/month. Prudential offers top-rated coverage. Compare rates now and secure your future today.
- [Affordable Life Insurance for Veterans](https://www.effortlessinsurance.com/life-insurance-veterans/) - Get the best deal on life insurance for veterans right now. The average VGLI rates for a veteran under 30 are $28 per month. Compare rates from VA life insurance and private insurers like AAFMAA today.
- [Life Insurance Contestability Period](https://www.effortlessinsurance.com/life-insurance-contestability-period/) - In this post, I will look into the fine print of the two-year contestability period and how this can affect the policyholder and the insurer.
- [Medical Information Bureau (MIB) Explained](https://www.effortlessinsurance.com/life-insurance-medical-information-bureau/) - In this post, I’ll go over the questions we get from potential clients about the MIB’s role in the life insurance underwriting process.
- [Best Guaranteed Issue Life Insurance Companies in #current_year](https://www.effortlessinsurance.com/guaranteed-issue-life-insurance-companies/) - In this post, I will compare the rates, benefits, and financial ratings for the top four life insurance companies for individuals ages 40–85.
- [Best Whole Life Insurance for Seniors Over 70 in #current_year](https://www.effortlessinsurance.com/whole-life-insurance-over-70/) - Whole life insurance for seniors over 70 is not only feasible but also very affordable. You can get no-exam life insurance up to $50,000.
- [Protective Life Insurance Review #current_year (Companies + Rates)](https://www.effortlessinsurance.com/protective-life-insurance/) - This Protective Life Insurance company review highlights policy options for low-cost term and whole life insurance and rProtective Life Insurance rates for as little as $11.38/month. Use our FREE quote tool to get started now.
- [AAA Life Insurance Review #current_year (Companies + Rates)](https://www.effortlessinsurance.com/aaa-life-insurance/) - AAA Life insurance rates start at $7.57 a month. Learn about its 2020 policies, compare rates with our free tool, and more. Get started now.
- [Aflac Life Insurance Review (Companies + Rates)](https://www.effortlessinsurance.com/aflac-life-insurance-review/) - Aflac versus the competition. Learn about the types of policies Aflac offers, compare rates, and obtain a free quote. Get started now.
- [Banner Life Insurance Company Review](https://www.effortlessinsurance.com/banner-life-insurance-company-review/) - Starting at $12/mo, Banner Life is an affordable option for term or universal policies, particularly for diabetics. Explore Banner Life Insurance reviews here.
- [Cheapest Life Insurance in #current_year](https://www.effortlessinsurance.com/cheapest-life-insurance-quotes/) - Finding the best life insurance quotes starts with choosing the best policy for your needs, whether it's a term or whole life insurance policy. Learn more here.
- [Colonial Penn $9.95 Plan Reviews](https://www.effortlessinsurance.com/colonial-penn-9-95-plan-reviews/) - Colonial Penn has several life insurance options, but its most famous is the $9.95 plan. Before buying a policy, you should consider Colonial Penn $9.95 plan reviews.
- [Write a Review](https://www.effortlessinsurance.com/write-a-review/) - Please share your review of your insurance provider. Your experiences will help inform millions of other shoppers like yourself as they search for trustworthy and affordable insurance coverage.
- [Open Care Senior Plan Review](https://www.effortlessinsurance.com/open-care-senior-plan-review/) - Selecting the right Open Care Senior plan is important, not just for you, but for your loved ones too. Learn more to select the best plan for your family.
- [How To Cancel Life Insurance](https://www.effortlessinsurance.com/how-to-cancel-life-insurance/) - To cancel your life insurance policy, the first step is to contact your life insurance company about cancellation. Learn how to cancel life insurance here.
- [Royal Neighbors Final Expense](https://www.effortlessinsurance.com/royal-neighbors-of-america-final-expense/) - Our Royal Neighbors Final Expense review can help get affordable Royal Neighbors life insurance quotes. Males in their 50s can find quotes $37.89/mo. Read on.
- [Ameritas Life Insurance Review](https://www.effortlessinsurance.com/ameritas-life-insurance-review/) - This Ameritas Life Insurance review offers a variety of policies and rates as low as $12.67/month or $152/year. They are also have A+ ratings which shows its creditworthiness and financial strength. Use our FREE tool now to get started.
- [Government Personnel Mutual Life Insurance Company (GPM Life) Review](https://www.effortlessinsurance.com/personnel-mutual-life-insurance/) - The Government Personnel Mutual Life Insurance Company has been in business for more than 80 years selling final expense life insurance. Learn More.
- [Aetna Final Expense Insurance | Underwritten by American Continental](https://www.effortlessinsurance.com/aetna-final-expense/) - American Continental final expense insurance offers whole life coverage for end-of-life costs as low as $22.92./mo. Click our FREE quote tool for rates now.
- [A Complete Review of Liberty Bankers Life Final Expense (Rates Included)](https://www.effortlessinsurance.com/liberty-bankers-life/) - A top 100 provider, Liberty Bankers Life final expense insurance is cheaper than most companies with life final expense insurance rates starting at $25.57/ month. Get started comparing rates today with our FREE quote tool.
- [Americo Financial & Annuity Life Insurance Review (Companies + Rates)](https://www.effortlessinsurance.com/americo-life-insurance/) - Compare Americo Financial & Annuity life insurance to the competition. Check out their products, compare rates, and much more. Get started now.
- [Mutual Trust Life Insurance Company Review](https://www.effortlessinsurance.com/mutual-trust-life-insurance/) - Mutual Trust Life Insurance Company is a subsidiary of Pan-American Life Insurance Group, a provider of health, life, and annuities insurance. Read our Mutual Trust Life Insurance review to find out more.
- [Cigna Life Insurance Review (Companies + Rates)](https://www.effortlessinsurance.com/cigna-life-insurance-review/) - Cigna versus other life insurance companies. Learn about Cigna's rates, coverage types, and much more. Get started now.
- [Nassau Re Life Insurance Review #current_year (Companies + Rates)](https://www.effortlessinsurance.com/phoenix-life-insurance/) - Our Nassau Re life insurance review (formerly Phoenix Life) shows term rates starting at $16.14/month with additional no-cost riders with life insurance policies. Compare rates with our FREE tool now.
- [National Life Group Life Insurance Review for #current_year](https://www.effortlessinsurance.com/national-life-group/) - National Life Group insurance reviews provide insight into a wide variety of policy options. Click here for our roundup of National Life Group life insurance.
- [SBLI Life Insurance Company Review](https://www.effortlessinsurance.com/sbli-life-insurance-company-review/) - In this post, I review The Savings Bank Life insurance Company of Massachusetts (SBLI) insurance products, riders, and sample rates.
- [Lafayette Life Insurance Company Review](https://www.effortlessinsurance.com/lafayette-life-insurance/) - If you are looking for Lafayette Life Insurance review, you’ve landed on the right page. Learn about the life insurance products and rates.
- [Kemper Life Insurance Company Review](https://www.effortlessinsurance.com/kemper-life-insurance/) - Today, I review Kemper Life Insurance Company, which only offers one life insurance product: guaranteed issue policies.
- [Brighthouse Financial Life Insurance Review (Updated)](https://www.effortlessinsurance.com/brighthouse-financial-life-insurance/) - Brighthouse Financial Life Insurance (review below) offers innovative insurance solutions like SmartCare, long-term insurance, and affordable term life insurance for as low as $10.85/month. Learn more.
- [Costco Life Insurance Company Review #current_year (Companies + Rates)](https://www.effortlessinsurance.com/costco-life-insurance/) - This Costco life insurance company review offers policy details on its member discounted term life insurance, starting at $5.63/month. Plus, compare rates now with our 100% FREE tool. Learn more.
- [Cincinnati Life Insurance Company Review](https://www.effortlessinsurance.com/cincinnati-life-insurance/) - In this post, I am going to review the Cincinnati Life Insurance Company. I will present their life products and compare it to the best.
- [Midland National Life Insurance Company Review](https://www.effortlessinsurance.com/midland-national-life-insurance/) - Today, we review Midland National Life Insurance Company where you will learn about their rates and life insurance products.
- [Columbian Mutual Life Insurance Company Review](https://www.effortlessinsurance.com/columbian-mutual-life-insurance/) - Today, we review Columbian Mutual Life Insurance Company. We will compare them to the best companies in the final expense industry.
- [Gleaner Life Insurance Society Company Review](https://www.effortlessinsurance.com/gleaner-life-insurance-society/) - Today, I review Gleaner Life Insurance Company’s products and rates and compare it to the best in our industry. Is Gleaner the right company?
- [Fidelity Life Association Insurance Company Review](https://www.effortlessinsurance.com/fidelity-life-association-insurance-company-review/) - Fidelity Life offers term and whole life insurance in various forms, such as final expense, guaranteed issue or AD&D. Should you buy it?
- [Forethought Life Insurance Company Review (#current_year)](https://www.effortlessinsurance.com/forethought-life-insurance-company/) - Forethought Life Insurance Company is the perfect solution for people who want to take care of their families. Forethought offers individual and group policies, as well as life insurance. Learn more.
- [Global Atlantic Life Insurance Review for #current_year](https://www.effortlessinsurance.com/global-atlantic-life-insurance-review/) - Global Atlantic provides term life and permanent life insurance to customers. Affordable Global Atlantic life insurance is available, and its A.M. Best rating is A. Learn more.
- [Country Financial Life Insurance Review](https://www.effortlessinsurance.com/country-financial-life-insurance-review/) - Starting at an average of $11.66/mo, Country Financial life insurance rates are typically affordable. Learn more in this Country Financial life insurance review.
- [Baltimore Life Insurance Review](https://www.effortlessinsurance.com/baltimore-life-insurance-review/) - Baltimore Life Insurance (A.M. Best rating + insurance review below) is a small but reliable life insurance company. Find Baltimore Life Insurance's burial expense quotes for as low as $16.65/month. Get life insurance quotes now.
- [Life Insurance Risk Class Explained](https://www.effortlessinsurance.com/life-insurance-risk-class/) - In this post, I will go over the life insurance risk classes, how they’re determined, and the risk class you can qualify for.
- [No Exam Life Insurance: Buyer's Guide (Companies + Rates)](https://www.effortlessinsurance.com/no-exam-life-insurance/) - With no exam life insurance, you can get up to $500,000 in coverage for $13.12/month without taking an exam. Plus, compare rates using a 100% FREE tool now.
- [What is a life insurance death benefit?](https://www.effortlessinsurance.com/life-insurance-death-benefit/) - Life insurance death benefit is one of the most popular phrases in the life insurance industry and represents the life insurance money that your beneficiaries will get upon your passing. Learn more.
- [No-Exam Life Insurance for Over 50](https://www.effortlessinsurance.com/no-exam-life-insurance-over-50/) - If you are over 50 and seeking no-exam life insurance coverage, you’ve landed on the right page. I will review the best companies and rates.
- [American Memorial Life Insurance Company Review](https://www.effortlessinsurance.com/american-memorial-life-insurance/) - If you are inquiring about final expense products from American Memorial Life Insurance, this review is for you.
- [Farmers Life Insurance Review (Companies + Rates)](https://www.effortlessinsurance.com/farmers-life-insurance/) - Farmers New World Life insurance policies versus the rest. Learn more about Farmers and use our FREE quote tool for the best rates. Read now.
- [American-Amicable Life Insurance Company Review](https://www.effortlessinsurance.com/american-amicable-life-insurance/) - American-Amicable Life Insurance review covering express term life and other products. Find out if American-Amicable is right for you here.
- [Life Insurance with Depression or Anxiety](https://www.effortlessinsurance.com/life-insurance-depression-anxiety/) - A history of depression or anxiety disorders in your medical records will result in you being asked other related questions. See rates here.
- [Guaranteed Universal Life Insurance](https://www.effortlessinsurance.com/guaranteed-universal-life/) - In this article, I will go over the pros and cons of Guaranteed Universal Life, how it works, and sample rates.
- [Assurity Life Insurance Review #current_year (Companies + Rates)](https://www.effortlessinsurance.com/assurity-life-insurance-company-review/) - A top 100 provider, Assurity life insurance company policies offer some of the lowest rates for smokers at $12.40/month. Get started comparing rates today with our FREE quote tool.
- [Pros and Cons of Term Life Insurance](https://www.effortlessinsurance.com/term-life-insurance/) - I believe that no one policy will fit every individual. Let’s look at the advantages and disadvantages of term life insurance.
- [Best Life Insurance for Terminal Cancer Patients](https://www.effortlessinsurance.com/best-life-insurance-for-terminal-cancer-patients/) - Life insurance is one of the most important investments you can make. But when you have terminal cancer, it's also hard to find a suitable plan that suits your needs.
- [Atlantic Financial Group Life Insurance Review [#current_year]](https://www.effortlessinsurance.com/atlantic-financial-life-insurance-review/) - Atlantic Financial Life Insurance Company is a leader in life insurance products for individuals and small businesses.
- [Delaware Life Insurance Company Review (#current_year)](https://www.effortlessinsurance.com/delaware-life-insurance-company/) - Delaware Life Insurance Company is one of the leading providers of life insurance and annuities in the U.S.
- [What is a life insurance beneficiary?](https://www.effortlessinsurance.com/what-is-a-life-insurance-beneficiary/) - A life insurance beneficiary is the person you designate to receive the death benefit after you pass away. Learn more.
- [What is face value in life insurance?](https://www.effortlessinsurance.com/what-is-face-value-of-life-insurance/) - The face value of life insurance (or life insurance death benefit) is the amount of money your beneficiaries will receive after you pass away. Learn more.
- [Key Person Insurance: Buyer's Guide (Companies + #current_year Rates)](https://www.effortlessinsurance.com/key-person-insurance/) - Key person insurance provides a death benefit when a key person dies. Explore options and compare rates starting at $100/month with our FREE tool now.
- [$100,000 Life Insurance Coverage Types and Prices](https://www.effortlessinsurance.com/100000-life-insurance-cost/) - There are multiple types of $100,000 life insurance policies available, and the right policy for you depends on multiple factors. Learn more.
- [10-Million-Dollar Term Life Insurance Policy](https://www.effortlessinsurance.com/10-million-dollar-term-life-insurance/) - If you intend to buy a 10-million-dollar life insurance policy, in addition to being healthy, you’ll need to demonstrate a finacial need.
- [American Medical Association (AMA) Life Insurance Company Review](https://www.effortlessinsurance.com/american-medical-association-ama-life-insurance/) - If you have landed on this page, you are probably a physician who is looking to purchase life insurance through AMA. Should you buy it?
- [TruStage Life Insurance Review | TruStage Life Insurance Ratings](https://www.effortlessinsurance.com/trustage-life-insurance/) - TruStage life insurance rates are high at $75/mo for $250,000 in coverage, but you can get instant approval. Learn more in this TruStage life insurance review.
- [Learn the Facts About Annual Renewable Term Life Insurance](https://www.effortlessinsurance.com/annual-renewable-term/) - Find annual renewable term life insurance rates as low as $22/mo. Read this article and compare rates with our free quote tool.
- [Accidental Death and Dismemberment Insurance (AD&D)](https://www.effortlessinsurance.com/accidental-death-and-dismemberment-insurance/) - If you purchased accidental death and dismemberment policy and thought it was term life insurance, you have many reasons to be angry.
- [Prosperity Life Insurance Review for #current_year](https://www.effortlessinsurance.com/prosperity-life-insurance-review/) - Prosperity Life Insurance provides annuity, health, and life insurance. Prosperity life insurance costs are private, and its A.M. Best rating is A-. Learn more.
- [Life Insurance for Stroke Victims](https://www.effortlessinsurance.com/life-insurance-for-stroke-patients/) - Life insurance for stroke patients is possible. The approval will depend on how severe was it and the classification.
- [Knights of Columbus Insurance Review (#current_year)](https://www.effortlessinsurance.com/knights-of-columbus-insurance-reviews/) - Knights of Columbus insurance reviews suggest this is a solid life insurance company with good customer service. The company has an A+ rating from the BBB. Learn more.
- [Empower Retirement Plan Review for #current_year](https://www.effortlessinsurance.com/empower-retirement-plan-review/) - Ready to plan for retirement? Empower Retirement offers several financial planning services that might work for you. Learn more about Empower Retirement here.
- [Site Map](https://www.effortlessinsurance.com/sitemap/) - Here's a video on how to use the Overview Box above and the Reference Section below: http://bit.ly/overview-rerference Delete the filler text below and start writing. Good luck. Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco
- [How to Cancel Accordia Life Insurance in 5 Easy Steps](https://www.effortlessinsurance.com/cancel-accordia-life-insurance/) - Have questions about how to cancel Accordia life insurance policy? Accordia Life Insurance company allows you to cancel in a number of ways. You can also get a refund if you cancel. Find out more.
- [How to Cancel Americo Financial Life & Annuity Insurance in 5 Easy Steps](https://www.effortlessinsurance.com/cancel-americo-financial-life-annuity-insurance/) - Looking for information on how to cancel your Americo Financial Life & Annuity insurance? The Americo Insurance customer service can help.

## Pages

- [Home](https://www.effortlessinsurance.com/) - We Specialize in Providing the Coverage You Need Not all policies are created equal, and not all consumers have similar needs. Term Life Often called “pure insurance” because it’s intended only to protect your dependents in case you die prematurely. The greatest death benefit for the lowest premium The premiums remain the same throughout the
- [Terms Of Use](https://www.effortlessinsurance.com/terms-of-use/) - This page is about Effortless Insurance's terms of use. We are an independent website and your use of this site signifies your consent and agreement to our terms of use & privacy policy.
- [Privacy Notice](https://www.effortlessinsurance.com/privacy-policy/) - This page is about Effortless Insurance's privacy policy.
- [Contact Us](https://www.effortlessinsurance.com/contact-us/) - Effortless Insurance is located 5940 S Rainbow Blvd Ste 167 Las Vegas NV 89118. Email: info@effortlessinsurance.com
- [Editorial Guidelines](https://www.effortlessinsurance.com/editorial-guidelines/) - General Guidelines We expect all writers and editors at EffortlessInsurance.com to comply with these guidelines when creating content. Writers are responsible for the accuracy of their work. Confirming information and double-checking facts are of the utmost importance. Our writing and editorial team will not accept any payment of any kind in exchange for positive content
- [About Effortless Life Insurance](https://www.effortlessinsurance.com/about-us/) - Life insurance brokers that have no particular allegiance to any one insurance company. We work for YOU! not the carrier.
- [Articles](https://www.effortlessinsurance.com/blog/) - Read our latest blog posts about life insurance. Here we cover all sort of topics such as pre-existing conditions, company reviews, and sample rates by top insurers. Life insurance is baffling, we make it effortless.
- [Meet the Experts](https://www.effortlessinsurance.com/meet-the-experts/) - Ron Attias, Licensed Insurance Broker Ron Attias, a licensed insurance broker. He had no particular loyalty to any one insurance company, so he was able to shop all major insurance carriers. This means that you always get the BEST plan at the LOWEST price. Each plan can be customized to fit your specific healthcare needs

## Experts

- [Sara Routhier](https://www.effortlessinsurance.com/author/sara-routhier/) - Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within
- [Lia Vergin](https://www.effortlessinsurance.com/author/lia-vergin/) - Lia Vergin develops both video and written content across all lines of insurance, with a primary focus on auto, home, and life coverage. She is dedicated to helping consumers better understand and navigate their insurance options. Driven by a passion for saving money and finding great deals, she is committed to creating clear, engaging, and
- [Maria Hanson](https://www.effortlessinsurance.com/author/maria-hanson/) - Maria Hanson grew up with a unique passion and understanding of both the automotive and insurance industries. With one grandfather in auto mechanics and another working in insurance, you could say automotive insurance is in her blood. Her love of research and finance serves her well in studying insurance trends and liability. Maria has expanded
- [Malory Will](https://www.effortlessinsurance.com/author/malory-will/) - Malory Will has an M.A. in English from Arizona State University. She has over four years of experience in writing for the insurance industry. With a background in health, auto, life, and homeowners insurance, Malory is passionate about making complex insurance topics clear and approachable. Her goal is to help readers make informed decisions with
- [Laura Kuhl](https://www.effortlessinsurance.com/author/laura-kuhl/) - Laura Kuhl holds a Master’s Degree in Professional Writing from the University of North Carolina at Wilmington. Her career began in healthcare and wellness, creating lifestyle content for doctors, dentists, and other healthcare and holistic professionals. She curated news articles and insider interviews with investors and small business owners, leading to conversations with key players
- [Aleksandra J. Churlinov](https://www.effortlessinsurance.com/author/aleksandra-j-churlinov/) - Aleksandra J. Churlinov holds a Bachelor of Arts in English Language and Literature and a Master of Science in Marketing Management. Over the past six years, Aleks has focused on the insurance sector, working on a range of content, including business, auto, and life insurance. In April 2025, she stepped into the role of Managing
- [Daniel S. Young](https://www.effortlessinsurance.com/author/daniel-s-young/) - Daniel S. Young began his professional career as chief editor of The Chanticleer, a Jacksonville State University newspaper. He also contributed to The Anniston Star, a local newspaper in Alabama. Daniel holds a BA in Communication and is pursuing an MA in Journalism & Media Studies at the University of Alabama. With a strong desire to help
- [Meggan McCain](https://www.effortlessinsurance.com/author/meggan-mccain/) - Meggan McCain, Head of Content, has been a professional writer and editor for over a decade. She leads the in-house content team at Quote.com. With three years dedicated to the insurance industry, Meggan combines her editorial expertise and passion for writing to help readers better understand complex insurance topics.As a content team manager, Meggan sets the
- [Ashley Dannelly](https://www.effortlessinsurance.com/author/ashley-dannelly/) - Ashley Dannelly has a Master of Arts in English and serves as the Social Media Manager for Quote.com's portfolio of websites. Ashley also teaches English at Columbia International University and other higher education institutions. Ashley’s background in English and media has allowed her the unique opportunity to edit and create content for many publications, including
- [Ted Patestos](https://www.effortlessinsurance.com/author/ted-patestos/) - Theodore (Ted) Patestos is a seasoned innovator and policyholder advocate in the public adjusting industry. With a career dedicated to turning data into actionable insights, Ted has championed tools and strategies that improve transparency, efficiency, and outcomes for both consumers and adjusters. He developed Claim Machine, a platform that uses weather data to help public
- [Aaron Englard](https://www.effortlessinsurance.com/author/aaron-englard/) - With over a decade of experience in insurance premium auditing, audit department management, and business audit representation, Aaron has developed a deep understanding of audit regulations, compliance requirements, and industry best practices. As the Founder & CEO of AdvoQates, he specializes in representing businesses during their audits to ensure accurate, transparent, and fair assessments from
- [Michelle Robbins](https://www.effortlessinsurance.com/author/michelle-robbins/) - Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more
- [Brett Surbey](https://www.effortlessinsurance.com/author/brett-surbey/) - Brett Surbey is a corporate paralegal specializing in tax reorganizations and the creation of corporations so they can successfully navigate all aspects of their business and mitigate risks where necessary. He has assisted lawyers on a number of enigmatic transactions, including M&As, complex corporate succession plans, and amalgamations. In addition to his legal career, he
- [Tim Bain](https://www.effortlessinsurance.com/author/tim-bain/) - Tim Bain is a licensed life insurance agent with 23 years of experience helping people protect their families and businesses with term life insurance. His insurance expertise has been featured in several publications, including Investopedia and eFinancial. He also does digital marking and analysis for KPS/3, a communications and marking firm located in Nevada.
- [Laura Gunn](https://www.effortlessinsurance.com/author/laura-gunn/) - Laura Gunn is a former teacher who uses her passion for writing and learning to help others make the best decisions regarding finance and insurance. After stepping away from the classroom, Laura used her skills to write across many different industries including insurance, finance, real estate, home improvement, and healthcare. Her experience in various industries
- [Laura D. Adams](https://www.effortlessinsurance.com/author/laura-d-adams/) - Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the
- [Melissa Morris](https://www.effortlessinsurance.com/author/melissa-morris/) - Melissa Morris has a BS and MS in exercise science and a doctorate in educational leadership. She is an ACSM certified exercise physiologist and an ISSN certified sports nutritionist. She teaches nutrition and applied kinesiology at the University of Tampa. She has been featured on Yahoo, HuffPost, Eat This, Bulletproof, LIVESTRONG, Toast Fried, The Trusty Spotter, Best Company, Healthline, Popsugar, She Knows, and Badass Body Project.
- [Heidi Mertlich](https://www.effortlessinsurance.com/author/heidi-mertlich/) - 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 need
- [Kalyn Johnson](https://www.effortlessinsurance.com/author/kalyn-johnson/) - Kalyn grew up in an insurance family with a grandfather, aunt, and uncle leading successful careers as insurance agents. She soon found she has similar interests and followed in their footsteps. After spending about ten years working in the insurance industry as both an appraiser dispatcher and a senior property claims adjuster, she decided to
- [Merriya Valleri](https://www.effortlessinsurance.com/author/merriya-valleri/) - Merriya Valleri is a skilled insurance writer with over a decade of professional writing experience. Merriya has a strong desire to make understanding insurance an easy task while providing readers with accurate and up-to-date information. Merriya has written articles focusing on health, life, and auto insurance. She enjoys working in the insurance field, and is
- [Tonya Sisler](https://www.effortlessinsurance.com/author/tonya-sisler/) - Tonya Sisler has been a technical insurance writer for over five years. She uses her extensive insurance and finance knowledge to write informative articles that answer readers' top questions. Her mission is to provide readers with timely, accurate information that allows them to determine their insurance needs and choose the best coverage. Tonya currently leads
- [Jeffrey Manola](https://www.effortlessinsurance.com/author/jeffrey-manola/) - Jeffrey Manola is an experienced life insurance agent who founded TopQuoteLifeInsurance.com and NoMedicalExamQuotes.com. His mission when creating these sites was to provide online consumers searching for life insurance with the most affordable term life insurance, permanent life insurance, no medical exam life insurance, and burial insurance. Not only does he strive to provide consumers with
- [Schimri Yoyo](https://www.effortlessinsurance.com/author/schimri-yoyo/) - Schimri Yoyo is a financial advisor with active life and health insurance licenses in seven states and over 20 years of experience. During his career, he has held roles at Foresters Financial, Strayer University, Minnesota Life, Securian Financial Services, Delaware Valley Advisors, Bridgemark Wealth Management, and Fidelity. Schimri is an educator eager to assist individuals
- [Jimmy McMillan](https://www.effortlessinsurance.com/author/jimmy-mcmillan/) - Jimmy McMillan is an entrepreneur and the founder of HeartLifeInsurance.com, an independent life insurance brokerage. His company specializes in life insurance for people with heart problems. He knows personally how difficult it is to secure health and life insurance after a heart attack. Jimmy is a licensed insurance agent from coast to coast who has
- [Ty Stewart](https://www.effortlessinsurance.com/author/ty-stewart/) - Ty Stewart is the founder and CEO of SimpleLifeInsure.com. He started researching and studying about life insurance when he got his first policy for his own family. He has been featured as a life insurance expert speaker at agent conventions and in top publications. As an independent licensed life insurance agent, he has helped clients
- [Chris Abrams](https://www.effortlessinsurance.com/author/chris-abrams/) - Chris is the founder of Abrams Insurance Solutions and Marcan Insurance, which provide personal financial analysis and planning services for families and small businesses across the U.S. His companies represent nearly 100 of the top-rated insurance companies. Chris has been a licensed life and health insurance agent since 2009 and has active insurance licenses in
- [Jeffrey Johnson](https://www.effortlessinsurance.com/author/jeffrey-johnson/) - Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina.
- [Jeff Root](https://www.effortlessinsurance.com/author/jeff-root/) - Jeff is a well-known speaker and expert in life insurance and financial planning. He has spoken at top insurance conferences around the U.S., including the InsuranceNewsNet Super Conference, the 8% Nation Insurance Wealth Conference, and the Digital Life Insurance Agent Mastermind. He has been featured and quoted in Nerdwallet, Bloomberg, Forbes, U.S. News & Money,
- [Michael Leotta](https://www.effortlessinsurance.com/author/michael-leotta/) - Michael earned a degree in Business Management with an insurance focus, which led to a successful 25-year career in insurance claims operations and support. He possesses a high-level of business acumen across multiple areas of the insurance industry. Over the course of his career, he served in multiple roles supporting claims operations including: Claims Specialist,
- [Zach Fagiano](https://www.effortlessinsurance.com/author/zak-fagiano/) - Zach Fagiano has been in the insurance industry for over 10 years, specializing in property and casualty and risk management consulting. He started out specializing in small businesses and moved up to large commercial real estate risks. During that time, he acquired property & casualty, life & health, and surplus lines brokers licenses. He’s now
- [Travis Thompson](https://www.effortlessinsurance.com/author/travis-thompson/) - Travis Thompson has been a licensed insurance agent for nearly five years. After obtaining his life and health insurance licenses, he began working for Symmetry Financial Group as a State Licensed Field Underwriter. In this position, he learned the coverage options and limits surrounding mortgage protection. He advised clients on the coverage needed to protect
- [Eric Stauffer](https://www.effortlessinsurance.com/author/eric-stauffer/) - Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. Eric is the CEO of C Street Media, a full-service marketing firm and the co-founder of
- [Tracey L. Wells](https://www.effortlessinsurance.com/author/tracey-l-wells/) - Tracey L. Wells is a licensed insurance agent and Farmers insurance agency owner with 23 years of experience. He is proud to be a local Farmers agent serving Grayson, Georgia and surrounding areas. With experience as both an underwriter and agent, he provides his customers with insight that others agents may not have. His agency
- [Brad Larson](https://www.effortlessinsurance.com/author/brad-larson/) - Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS)
- [Justin Wright](https://www.effortlessinsurance.com/author/justin-wright/) - Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and
- [Scott W. Johnson](https://www.effortlessinsurance.com/author/scott-w-johnson/) - Scott W Johnson is an independent insurance agent in California. Principal Broker and founder of Marindependent Insurance Services, Scott brings over 25 years of experience to his clients. His Five President’s Council awards prove he uses all he learned at Avocet, Sprint Nextel, and Farmers Insurance to the benefit of his clients. Scott quickly grasped
- [Brandon Frady](https://www.effortlessinsurance.com/author/brandon-frady/) - Brandon Frady has been a licensed insurance agent and insurance office manager since 2018. He has experience in ventures from retail to finance, working positions from cashier to management, but it wasn’t until Brandon started working in the insurance industry that he truly felt at home in his career. In his day-to-day interactions, he aims
- [Dani Best](https://www.effortlessinsurance.com/author/dani-best/) - Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani
- [Luke Fitzpatrick](https://www.effortlessinsurance.com/author/38923-2/) - Luke Fitzpatrick covers blockchain trends on Forbes. He has been published in Yahoo! News, Influencive, and Tech In Asia. He is a guest lecturer at the University of Sydney, lecturing in Cross-Cultural Management and the Pre-MBA Program.
- [Kristen Gryglik](https://www.effortlessinsurance.com/author/kristen-gryglik/) - Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right
- [Daniel Walker](https://www.effortlessinsurance.com/author/daniel-walker/) - Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like
- [Dorothea Hudson](https://www.effortlessinsurance.com/author/dorothea-hudson/) - Dorothea Hudson has been professionally writing in many spheres since 2013. She has written on entertainment, insurance, finance, travel, technology, AI, renewable energy, crypto, fundraising, and real estate for many websites. Her work has been published for British retailer Marks and Spencer, Kroger Magazine, the Vision Group, and more. Her passions include writing, music, running,
- [Melanie Musson](https://www.effortlessinsurance.com/author/melanie-musson/) - Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific car insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s
- [Leslie Kasperowicz](https://www.effortlessinsurance.com/author/leslie-kasperowicz/) - Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten
- [D. Gilson, PhD](https://www.effortlessinsurance.com/author/d-gilson-phd/) - D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook, Catch & Release,

## Companies

- [Mutual of Omaha Term Life Insurance Policies Review [#current_year]](https://www.effortlessinsurance.com/companies/mutual-of-omaha-term-life-insurance/) - Mutual of Omaha, the nation's leading provider of insurance to the middle class, offers affordable life insurance policies. Learn more here about this company.
- [Global Life Insurance Review for #current_year](https://www.effortlessinsurance.com/companies/global-life-insurance-review/) - If you are wondering where to buy life insurance, SCOR Global life insurance may be what you need in terms of life insurance coverage. Learn more here.
- [Athene Annuity and Life Insurance Company Review for #current_year](https://www.effortlessinsurance.com/companies/athene-annuity-and-life-insurance-company-review/) - Athene Annuity and Life Company is a life insurance company that offers annuities in addition to life insurance products. Learn more.