Zander Term Life Insurance Review by cashinfo

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									Zander Term Life Insurance Review


                                                       Zander Term Life Insurance Review

   As you might remember a few months ago,? I wrote about why, as a newlywed, I didn’t need life insurance for my
   situation. And then, after thinking about it more, realized that if anything did happen to me, I would probably be
   kicking myself for not having it – even if we didn’t need it. So I asked you (the readers) who the best term life
   insurance companies were (I had already chose Term rather than Whole Life) and you gave a bunch of great
   responses.

   So after looking through your responses, and doing research of my own, I decided to go with Zander Insurance Group
   as the broker. They are the company that Dave Ramsey recommends, and while I did find better rates, the rates that I
   found through Zander were pretty comparable. They have been around 80 years, are an independent company, and are
   still run by Zander family member. I often find that companies like that are better to do business with than the big
   conglomerate machines.

   Just to clarify, Zander is the broker, so they don’t actually provide the insurance themselves, they just facilitate the
   process of getting life insurance with another company.

   Article By Bob

   Read more from +Bob here.

   Getting a quote
   I should have written this article while I was going through the process (it is now a few months later), but I will try to
   remember the details as best as possible.

   I went directly to the Zander Insurance website and clicked the link to get an instant quote. After dropping in just a
   little bit of info, it spits back a list of about 40-50 different companies and what they charge for the Term you are
   looking for. From this list I didn’t just pick the cheapest company, but I chose Genworth Financial for a variety of
   reasons. They did have one of the best rates for my particular situation, they are a well-established and pretty
   financially stable company – and in a past job I worked with a lot of insurance companies and they were one of the
   better ones I dealt with in terms of service.

   Filling out the application
   After selecting my term insurance company, I got to fill out a quick version of the application online. After submitting
   it, I received an email from my Zander representative explaining the next steps. They mailed me the standard life
   insurance application that I had to fill out before my physical. One of the things I liked was that they sent a nurse to
   my house to do the medical exam, rather than me having to go make an appt. with my doctor. This may be common
   practice, but I appreciated it regardless.

   The medical exam
   I don’t know if it was naivety or wishful thinking, but I didn’t realize the medical exam would involve needles. It did.
   She came over and checked my height, weight, blood pressure, pee-in-a-cup, etc. and then she whipped out a needle.
   In case you can’t tell, I don’t particularly like them. But, it wasn’t too bad – I just closed my eyes and thought happy
   thoughts while she stole some of my hard-earned blood. She then packed up her bag and was on her way.

   Issuing the policy
   The Zander people followed up with me again to confirm some details on my application and within a few weeks I

file:///C|/Documents and Settings/Administrator/   /        (4)/Zander Term Life Insurance Review.html[2013-4-24 20:14:35]
Zander Term Life Insurance Review

   received my policy from Genworth. So, I don’t have much basis for comparison, but I enjoyed working with Zander,
   they seemed to be very thorough and made the process pretty simple – or as simple as it can be.

   Have you gotten a life insurance quote with Zander or another life insurance broker that you
   recommend?




file:///C|/Documents and Settings/Administrator/   /   (4)/Zander Term Life Insurance Review.html[2013-4-24 20:14:35]

								
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