Najboljši spletni ponudniki življenjskih zavarovanj

Pošta Najboljši spletni ponudniki življenjskih zavarovanj by Janet Hunt, zavarovalni agent pojavil prvi na Na bencin. Obiščite Na bencin da bi dobili več odličnih vsebin, kot je ta.

Insurance tech trends have made buying life insurance easier than ever. You can compare quotes and buy a policy online in just a few minutes. Learn more about these insurance trends and the best online life insurance providers. 

Here are Benzinga’s picks for the best digital življenjska zavarovanja podjetja: 

1. Sproutt

Sproutt connects you with insurance options based on your lifestyle. You start by taking Sproutt’s quality-of-life quiz, which not only assesses where you are but also gives you tips for improvement. It looks at a range of factors, including movement, sleep, emotional health and balance. 

From there, it connects you with insurance policies that are a good match based on your quality of life. You can buy term and whole life insurance through Sproutt, including simplified-issue and guaranteed-issue policies. 

Vrste načrtov

Izraz

Splošna ocena

Preberite pregled

začeti
varno prek spletnega mesta Sproutt Life Insurance

Več podrobnosti

Starostne zahteve

25-55

N / A

1-minutni pregled

Ena najhitreje rastočih platform za življenjsko zavarovanje Sproutt izkorišča insurtech za zagotavljanje svojega življenjskega zavarovanja Sproutt Instant Approval. Zagotovite si takojšnjo izdajo polic v manj kot 15 minutah od prijave do kritja. Za kvalificirane prijave ni potreben zdravniški pregled.

Ta postopek je v celoti na spletu. Imate možnost, da se za pomoč pogovorite z izkušenim Sprouttovim svetovalcem ali pa nakup kritja zaključite sami. Sodeluje z najbolj ocenjenimi nosilci življenjskega zavarovanja, kot so AIG, SBLI, Principal in Sagicor Life. 

Podjetje je razvilo tudi svojo platformo za vodeno ocenjevanje umetne inteligence (GAIA), ki podpira indeks kakovosti življenja. Platforma oceni vaš življenjski slog in vam ponudi prilagojena priporočila, ki vam pomagajo živeti bolj zdrav način življenja.

najboljše za

• Številne možnosti politik in prevoznikov
• Tisti, ki imajo raje življenjsko zavarovanje brez izpitov
• Mladi starši

Prednosti

• Sodeluje z najbolj ocenjenimi nosilci življenjskega zavarovanja
• Spletni postopek
• Različne politične možnosti
• Ocena, ki temelji na umetni inteligenci, zagotavlja ugodnosti tistim z zdravim življenjskim slogom

Proti

• Ni najboljše za nezdrave ljudi z omejenim proračunom

2. Lestev 

Ladder provides affordable term insurance. It offers $100,000 to $8 million in coverage to applicants ages 20 to 80. You can complete the application in 5 minutes. What sets Ladder apart, though, is that you can easily make adjustments to your coverage, which Ladder calls “laddering.” 

You can increase your coverage if you have life changes that require more coverage, like buying a house or having a baby. You can also easily decrease coverage as you need less. For example, as you pay down the balance on your home or as your children finish college. It’s coverage you can adapt to your needs. 

Vrste načrtov

Izraz

Splošna ocena

Preberite pregled

začeti
varno prek spletnega mesta Ladder

Več podrobnosti

Razkritje: Ladder Insurance Services, LLC (Cal. licenca št. 0K22568; Ark. licenca št. 3000140372) ponuja police življenjskega zavarovanja: (i) v New Yorku v imenu Allianz Life Insurance Company iz New Yorka, New York, NY (obrazec police št. MN-26); in (ii) v vseh drugih državah in okrožju Columbia v imenu družbe Allianz Life Insurance Company of North America, Minneapolis, MN (obrazec police št. ICC20P-AZ100 in št. P-AZ100). Samo Allianz Life Insurance Company iz New Yorka je pooblaščena za izdajo življenjskega zavarovanja v zvezni državi New York. Cene zavarovalnih polic, kritja, značilnosti, pogoji, ugodnosti, izključitve, omejitve in razpoložljivi popusti se med temi zavarovatelji razlikujejo in so predmet kvalifikacij. Vsaka zavarovalnica je izključno odgovorna za morebitne zahtevke in je finančno odgovorna za svoje produkte.

Starostne zahteve

20 - 60

N / A

1-minutni pregled

Ladder ponuja police brez skritih stroškov, prevzem zavarovanja na kraju samem in poenostavljeno spletno mesto. Kritje se giblje od 100,000 $ do 8 milijonov $ in svojo pokritost lahko sčasoma prilagodite glede na potrebe.

Izberete lahko 10, 15, 20, 25 ali 30-letno obdobje. Ladder ponuja tudi do 3 milijone dolarjev kritja brez zdravniškega pregleda – samo odgovorite na nekaj zdravstvenih vprašanj in izpolnite prijavo, da takoj prejmete odločitev.

Ladder ne nalaga stroškov politike, odpovedi ali obdelave in lahko kadar koli prekličete. Naredite tri korake, da dobite zavarovanje Ladder:

1. Za kritje življenjskega zavarovanja pri Ladderju se lahko prijavite že zdaj prek spletne aplikacije.
2. Ugotovite, ali ste takoj odobreni.
3. Sprejmite vašo ponudbo — vključno z ugodnimi cenami in brez skritih stroškov.

Njegova garancija zaklepanja cene zagotavlja, da se vaša premija ne bo povečala, ko se vaše zdravje spremeni in se starate. Police v New Yorku izdaja Allianz Life Insurance Company iz New Yorka, v drugih državah in DC pa Allianz Life Insurance Company iz Severne Amerike. Če niste zadovoljni s kritjem, lahko prejmete povračilo v prvih 1 dneh in lahko kadar koli prekličete.

 

najboljše za

• Terminsko življenjsko zavarovanje
• Spletna aplikacija
• Zavarovanci stari od 20 do 60 let

Prednosti

• Do 8 milijonov dolarjev kritja
• Garancija zaklepanja cene
• Brez stroškov police
• 30-dnevni denar nazaj garancije
• Nastavljiva pokritost

Proti

• Brez politikov
• Samo življenjsko zavarovanje

3. Policygenius

Policygenius makes it easy to get quotes from multiple insurance companies. You answer questions about yourself and your situation, and Policygenius finds the best policies for you. 

Insurance companies evaluate your application in a process called underwriting. Sometimes they offer a higher rate than the one you were quoted.  

If you apply for a policy and the insurance company offers you a higher rate than the one you were quoted, Policygenius will also assist you in seeing if you can find a cheaper rate for the coverage at no extra cost. 

Vrste načrtov

Odvisno od prevoznika

Splošna ocena

Primerjajte navedbe
varno prek spletne strani PolicyGenius

Več podrobnosti

Starostne zahteve

18 - 80

N / A

1-minutni pregled

Policygenius je odlična možnost, če želite primerjati poceni življenjskih zavarovalnic in zaprosite za polico na enem mestu.

Storitev vam lahko prihrani do 40 % s primerjavo najbolje ocenjenih prevoznikov. In ker je Policygenius tržnica, ne zavarovalnica, lahko verjamete, da od njihovih strokovnjakov z licenco dobite nepristranske nasvete o življenjskem zavarovanju. 

Uporabite Policygeniusov brezplačni kalkulator stroškov, ki vam bo pomagal ugotoviti znesek kritja, ki ga potrebujete. Obstajajo tudi dobra izobraževalna orodja, če želite polico kupiti sami.

Policygenius vam lahko tudi pomaga najti najboljšega ponudnika za sestavo spletne oporoke in načrtovanje vašega premoženja, kar zaokroži njihove vire življenjskega zavarovanja.

najboljše za

• Primerjava pravilnikov drug ob drugem
• Več možnosti pokritosti

Prednosti

• Primerjava več pravilnikov
• Nepristransko svetovanje pooblaščenih zavarovalniških strokovnjakov
• Brezplačni kalkulator stroškov

Proti

• Ponudbe vseh ponudnikov niso vedno na voljo

4. Tkanina

Fabric is geared toward families with children. For many, buying life insurance is a part of financial planning, which also may include writing a will. Fabric offers affordable term insurance and a free last will and testament tool that you can use for planning. 

It also offers tools to help you map your financial accounts and collaborate financially. Fabric also offers 529 college savings plans and high-yield savings accounts. Overall, Fabric helps you manage your financial planning from one simple app. 

Vrste načrtov

Izraz

Splošna ocena

Preberite pregled

začeti
varno prek spletnega mesta Fabric Life Insurance

Več podrobnosti

Starostne zahteve

21 - 60

N / A

1-minutni pregled

Fabric ponuja dolgoročno življenjsko zavarovanje, brezplačno ustvarjanje digitalnih oporok in druga orodja, ki vam bodo pomagala izboljšati finančno življenje vaše družine. So vse na enem mestu za mlade družine, ki iščejo finančno varnost.

Fabric ponuja možnosti za 10, 15, 20, 25 in 30 let ter kritje v razponu od 100,000 $ do 5 milijonov $.

Fabric prek svoje aplikacije in spletnega mesta ponuja visoko ocenjene spletne storitve za stranke in ima najvišjo oceno TrustPilot v svojem razredu.

najboljše za

• Za večino izpit ni potreben
• Tisti, ki se želijo izogniti težavam prodajalcev zavarovanj
• Novi ali bodoči starši, ki iščejo širši nabor finančnih orodij

Prednosti

• Ugodne premije
• Brezplačno ustvarjanje digitalne oporoke
• Brezplačna aplikacija s koristnimi orodji za starše
• Prijavite se in si oglejte svojo ceno v manj kot 10 minutah

Proti

• V New Yorku ali Montani ni življenjskega zavarovanja
• Po nakupu ni mogoče povečati kritja

Definition of InsurTech

InsurTech is behind these top insurance providers, but what is it?

InsurTech is a combination of the words “insurance” and “technology.” It can refer to the technology companies are using to improve the insurance process. It can also refer to the companies employing this technology. 

Insurtech companies use data analysis, artificial intelligence (AI), blockchain, machine learning, chatbots and more to improve every aspect of the insurance process. This includes everything from getting quotes and buying insurance to the claims process. 

How InsurTech is Disrupting the Insurance Industry

Here are a few ways InsurTech is disrupting the insurance industry:

• Lowering insurance costs by improving the claims process with AI and machine learning 
• Using chatbots to provide quick answers to common questions 
• Using wearable activity trackers to offer users lower premiums and other bonuses 
• Allowing users to get multiple insurance quotes through one platform 
• Reducing the risk of fraud through blockchain technology 

Online Life Insurance Platforms vs Traditional Insurance

Both online and traditional life insurance provide term and permanent life coverage. Term insurance is straightforward coverage that’s in effect for the term of your policy. You may be able to renew the policy when the term expires, but you typically pay a higher premium when you renew. 

Permanent life coverage is intended to be in place over your lifetime. It builds up cash value, which you can borrow against or receive if you surrender, or end, the policy. Whole life and universal life are two types of permanent life insurance policies. 

Online life insurance platforms may have live-chat and customer-service representatives available by phone. Traditional life insurance may be sold directly by a company or through an agent or broker. Your agent or broker would be your main point of contact if you need assistance. 

Traditional life insurance companies are following in the footsteps of InsurTech companies. Many have developed apps and/or websites to make it easier to buy coverage. 

Ultimately, both options can provide you with coverage. It all depends on your preferences and needs.

For example, if you’re more comfortable working with a long-established company, or if you prefer bundling life with other types of coverage, you may prefer a traditional insurance company. 

If you prefer a quick and easy insurance experience, an online life insurance provider may be a good fit. Many online life insurance providers are backed by long-established reinsurance companies, which means they’re financially secure as well. 

Pros and Cons of Online Insurance Providers

Here are the benefits and drawbacks of working with a digital insurance provider: 

Prednosti

• Easy to buy a policy
• Easy to compare policies
• Better pricing due to technology
• Policies may go into effect instantly

Proti

• Less personalized attention if you need assistance
• Less personalized advice than you would find working with an in-person agent or broker
• May be challenging to find coverage if you’re not in great health
• Fewer bundling options (buying multiple types of policies for a discount)

Is an Online Life Insurance Policy Right for You?

If you’re in relatively good health, buying a policy online can be quick and easy. You can compare policies easily, and you may find inexpensive term life insurance as well as other options. 

Ready to learn more? Check out Benzinga’s insurance resources to get quotes and more. 

Pogosto zastavljena vprašanja

Pošta Najboljši spletni ponudniki življenjskih zavarovanj by Janet Hunt, zavarovalni agent pojavil prvi na Na bencin. Obiščite Na bencin da bi dobili več odličnih vsebin, kot je ta.

• Coinsmart. Najboljša evropska borza bitcoinov in kriptovalut.
• Platoblockchain. Web3 Metaverse Intelligence. Razširjeno znanje. PROST DOSTOP.
• CryptoHawk. Altcoin radar. Brezplačen preizkus.
• Source: https://www.benzinga.com/money/best-online-life-insurance-providers/