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JRC Insurance Group review 2020

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Compare term life insurance policies from over 45 carriers with this online marketplace.’s rating: 5.0 / 5.0


Get a quote if…

  • You want access to multiple providers in one location.

Pick something else if…

  • You want a policy other than term life insurance.

To help with your research in setting your family up for financial success if the unthinkable happens, the JRC Insurance Group offers online quotes for over 45 life insurance companies.

Its life insurance marketplace is run by licensed agents who specialize in term policies. They have an insider’s perspective on the market and can point you to the carrier that best suits your needs.

25 to 80

Issue Age

25,000 to $10,000,000



Medical Exam Required


Name JRC Life Insurance
Issue age Not specified
Minimum coverage $25,000
Terms Available Open to residents in all states
Payment methods 10, 15, 20, 25, 30 years to lifetime/age 121
Medical exam required N/A
Temporary underwriting coverage No-medical-exam option available
Temporary underwriting coverage N/A
JRC has been accredited with the Better Business Bureau since 2016 and holds an A+ rating. The BBB hasn’t recorded any consumer reviews or complaints yet, but the high rating speaks to the company’s customer satisfaction and business practices.

The insurance marketplace also boasts a five-star rating on TrustPilot, with policyholders praising the ease and convenience of comparing quotes. Some customers said the team was knowledgeable and responds quickly to questions, and others said the service exceeded all expectations.

Expert review

Katia Iervasi

Review by

Katia Iervasi is a writer from Sydney, Australia. Her writing — and curiosity — has taken her around the world, and she now calls New York home. With a journalistic eye for detail, she navigates insurance and finance for Finder, so you can splash your cash smartly (and be a pro when the subject pops up at dinner parties).

Expert review

JRC’s agents put their experience and insider knowledge to good use. Along with offering quotes for more than 45 insurance carriers, they also have the insights about each insurer’s unique underwriting and niches.

This is helpful for anyone searching for affordable term life insurance, but particularly for those with high-risk health conditions.

To compare all of your options beyond JRC’s list, check out our guide to life insurance.

What types of life insurance coverage does JRC Insurance Group offer?

JRC compares term life insurance plans from more than 45 carriers, including big-name brands like Nationwide, Prudential, Transamerica, Protective Life & Annuity Insurance Company, Lincoln Financial Foundation, MetLife, Mutual of Omaha, Principal and Pacific Life.

The team specializes in finding the most suitable and affordable term plans for its customers. It caters to people of all ages across the US and with various health histories.

JRC offers term life insurance quotes for the following terms:

  • 10-year level term
  • 15-year level term
  • 20-year level term
  • 25-year level term
  • 30-year level term
  • Lifetime
  • 20-year return of premium
  • 30-year return of premium
  • To age 121

You’ll find policies with a face value of between $25,000 and over $10 million. With most term life policies, the premium stays the same for the life of the policy. At the end of the term, you can renew your policy or let it lapse.

When you die, your beneficiaries receive a guaranteed death benefit. And if you’re unhappy with your coverage, you can cancel at any time.

What riders can I add to my life insurance policy?

Depending on the provider you pick, you could dress up your policy with riders. JRC can assist you to customize your coverage with these add-ons:

  • Accelerated death benefit
  • Accidental death benefit
  • Children term insurance
  • Waiver of premium
  • Overloan protection
  • Disability coverage
  • Additional insured

How much does JRC Insurance Group cost?

JRC offers quotes from more than 45 providers. Your specific cost will depend on factors including:

  • Family history
  • Occupational risk
  • Travels
  • Hazardous hobbies
  • The amount and length of coverage

How do I get a low rate?

Life insurance is a game of risk. Your rate reflects your age, health, lifestyle, occupation and hobbies, as well as the length and amount of coverage. To protect their bottom lines, insurers reserve their best rates for their least risky applicants.

JRC is schooled on the underwriting of more than 45 carriers. It harnesses that knowledge to help high-risk, older and ideal candidates alike to find the best policy and protection.

Every insurance company has a complex underwriting process. Typically, it considers:

  • Tobacco use. To score the preferred rate, you usually have to prove that you haven’t smoked tobacco in the past five years. Some insurers allow a celebratory cigar once a month.
  • Age. Young, healthy applicants have access to lower premiums.
  • Driving record. If your recent record is free from major traffic violations and DUI, you’ll probably get a cheaper rate.
  • Health. Insurers assess your cholesterol, blood pressure, BMI and family medical history, and tend to charge higher rates when there’s a history of cardiovascular disease, strokes or diabetes.
  • Occupation. People in dangerous jobs tend to pay higher premiums. Think loggers, firemen and fishermen.
  • Hazardous lifestyle. Do you go skydiving or bungee jumping often? Or travel to dangerous, war-torn countries? Your insurer may raise your rates.
  • Alcohol and drugs. To reach the highest rate class, you must not have a history of drug or alcohol addiction.

Pros and cons of JRC Insurance Group life insurance


  • One stop shop. Access rates and policies from 45+ providers.
  • Range of coverage. You can compare policies with a face value of $25,000 to over $10 million, with 10-year terms to a lifetime.
  • Instant online quotes. Fill out your basic info and JRC will come back with a list of free quotes within a minute.
  • Specialized service. JRC licensed agents sell only term life insurance, making them experts in their niche.
  • Help for high-risk candidates. A team of impaired risk specialists can assist people with pre-existing health conditions to get coverage.
  • No upselling or cross-selling. JRC doesn’t work on sales quotas, so it never uses these sales tactics.


  • No permanent policies. JRC only compares term life insurance. If you’re interested in a permanent policy that builds cash value, you’ll have to do your research elsewhere.
  • No live chat. The website doesn’t have a live-chat function for real-time help.
  • Limited customer support window. You can call or connect with JRC on social media during business hours. Outside of those hours, you’re limited to email.

How does JRC Insurance Group compare?

Name Product Issue Ages Minimum Coverage Maximum Coverage Medical Exam Required State Availability
LadderLife™ Life Insurance
20 - 60 years old
Not available in New York
Term life insurance with no policy fees and the freedom to cancel anytime. Simple application process that can get you approved for coverage instantly.
18 - 100 years old
This life insurance broker combines technology and the human touch to match you with a policy tailored to your needs.
21 - 54 years old
Not available in New York
Affordable 2-, 10- and 20-year term life insurance policies. Instant quotes and no medical exams.
20 - 85 years old
Depends on policy.
Products and product features may not be available in all states.
This well-established life insurance provider could offer you $250,000 worth of coverage for as low as $14 per month.
25 - 60 years old
Available in all states except NY, CA and MT
Get affordable term life insurance with accelerated underwriting or no-exam coverage up to $1,000,000. Available in all states except CA, NY and MT.

Compare up to 4 providers

JRC Insurance Group reviews and complaints

JRC has been accredited with the Better Business Bureau since 2016 and holds an A+ rating. The BBB hasn’t recorded any consumer reviews or complaints yet, but the high rating speaks to the company’s customer satisfaction and business practices.

The insurance marketplace also boasts a five-star rating on TrustPilot, with policyholders praising the ease and convenience of comparing quotes. Some customers said the team was knowledgeable and responds quickly to questions, and others said the service exceeded all expectations.

How does JRC Insurance Group protect my data?

JRC Insurance Group collects your personal information in order to match you with insurance providers. Your data is never shared with third parties, and is only given to insurance companies once you give your permission to begin the application process.

No details are listed on JRC’s website that indicate how your information is safeguarded.

More about JRC Insurance Group

Based in San Diego, the JRC Insurance Group isn’t a life insurance carrier, but a one stop shop marketplace. By laying out your options in one place, it helps you research and get coverage sooner.

JRC is led by a team of licensed agents who specialize in term policies and know the ins and outs of each carrier and their underwriting guidelines. While its focus is on term life insurance, the JRC Insurance Group offers advice on permanent policies — it just doesn’t sell them.

The company is also known for the JRC Insurance Group Scholarship. Each semester, this $1,000 scholarship is awarded to a high school senior or college student with the best essay that explains how their family could benefit from life insurance.

How do I get a quote?

To get a quote for term life insurance, you can call JRC Insurance Group at 855-247-9555, or answer some questions online.

  1. To get a quote online, click Free Quote on JRC’s homepage.
  2. Fill out a little information bit about yourself, including state of residence, birthdate and health class, as well as the length of term and amount of coverage you desire. Then provide your contact info and click Display Quotes.
  3. JRC will provide you with the best quotes from a list of carriers based in the information you provided.
  4. If you are happy with one of the quotes, click Continue next to that provider to continue to the application page. There, you will provide your mailing address and then click Submit Application.

I’ve signed up. What happens next?

A JRC Insurance Group licensed representative will contact you shortly to help you complete your application.
Having trouble getting life insurance because you’re “high risk?”

How do I file a life insurance claim with JRC Insurance Group?

Since JRC isn’t an insurance company, it doesn’t process claims. To file a claim, contact your carrier directly. The details should be on your policy documents.

Frequently asked questions

Life insurance ratings

★★★★★ — Excellent

★★★★★ — Good

★★★★★ — Average

★★★★★ — Subpar

★★★★★ — Poor

Our experts analyze life insurance companies to help you to find the strongest possible policy and premium for your family’s needs. We assess their financial strength, customer satisfaction, policy features and riders. We then give each insurer a score between one and five stars that reflects their offering and reputation in the industry.

Learn more about our methodology here.

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