Zander Insurance
2.4
4.7
Overall Score
Author: Kaitlyn Short
Zander Insurance Group was founded in 1927 and has been providing service to customers for more than 80 years. The life insurance agency specializes in term life insurance, disability insurance, identity theft protection, health insurance, long-term care insurance, auto insurance, home insurance, and business insurance. It also offers similar products and employee benefit plans to businesses. These additional offerings can be helpful for people who are interested in purchasing more than just life insurance coverage.
Zander Insurance is one of America's largest insurance brokerages. Zander is heavily endorsed by Dave Ramsey , a financial advice expert.
Top Ranked Companies
The Good
- Instant Quote
- Thorough Website
- Application Process
- High Financial Strength Ratings
Instant Quote
Zander's website has instant quotes available. All you have to do is fill out a simple form that includes questions like your date of birth, coverage amount, length of term, and your health class. The coverage amount is the death benefit amount that will be paid to your beneficiary. It can be used to cover final expenses, pay of debt, and offer income to your dependents.
After filling out the short form, you receive an instant life insurance quote on a term policy that allows you to get an idea of what your insurance policy would cost and the benefits offered with the insurance coverage and peace of mind.
Thorough Website
Zander has an extensive website that provides a lot of information for its customers. The company has a blog that is separated into different insurance categories, and each of them include blog posts written based upon commonly asked questions.
Application Process
Once you view the life insurance quote for premium payments online, you can choose to apply and buy life insurance through Zander Insurance.
Most life insurers complete an underwriting process before an applicant is approved. Some life insurance companies require a medical exam for their policies in their underwriting guidelines. Others offer life plans that do not require a medical exam and base the underwriting on a health questionnaire. Life insurance rates for these policies tend to be higher, and there's limited opportunity to qualify to pay a lower monthly premium rate.
Keep this underwriting information in mind as you consider term life plans from multiple insurers through Zander Insurance.
High Financial Strength Ratings
Zander Insurance only represents life insurers with the highest A.M. Best financial strength ratings, which means that Zander clients can be confident when purchasing a life policy. Financial strength ratings indicate a life insurance company's ability to meet its claims obligations. The higher the rating, the more stable the insurance provider. Policyholders can trust that their claims will be met because Zander Insurance works with financially strong insurance companies.
The Bad
- Limited Options
- Contact Information Required
Limited Options
Life insurance shoppers can only purchase a term life insurance policy through Zander. Those seeking permanent life insurance, will need to consider another insurance company with a wider range of insurance plans to find the kind of policy they want.
Contact Information Required
Zander Insurance requires contact information before you can see life insurance quotes and start applying for life insurance through Zander. This can be inconvenient for shoppers who are still in the research stage, and there are other sites that do not require contact information before showing term life insurance products and quotes on insurance premiums.
The Bottom Line
Overall, Zander Insurance seems to be a good option for individuals seeking a term life insurance product. It only works with life insurance companies with high financial strength ratings, which means that buyers can confidently purchase one of Zander Insurance's term life insurance products.
The company also has a thorough website that makes it simple to find answers to common questions and offers instant quotes. However, site users must provide contact information before viewing quotes. Other sites do not require contact information before showing quotes.
With Zander Insurance, you can easily request an application online. However, Zander only provides term life insurance, which is a drawback if you are interested in a permanent policy. Before choosing to work with Zander, read customer reviews and compare it to similar companies.
