JRC Insurance Group review

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 60 life insurance companies.

Its life insurance marketplace is run by licensed agents who specialize in a range of life insurance policies. It has an insider’s perspective on the market and can point you to the insurer that best suits your needs.

JRC Insurance Group life insurance rates

JRC offers quotes from more than 60 insurance companies. Your rate reflects your age, health, lifestyle, occupation and hobbies, as well as the length and amount of coverage.

JRC is schooled on the underwriting of more than 60 carriers. It uses that knowledge to help high-risk, older and ideal candidates alike to find the best policy and protection.

What affects my rate with JRC Insurance Group?

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.

How to get a quote from JRC Insurance Group life insurance

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 provides you with the best quotes from a list of insurers based in the information you provide.
4. If you are happy with one of the quotes, click Continue next to that company to continue to the application page. There, you’ll 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.

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

JRC compares 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 offers whole life, universal life and specializes in term life insurance plans, and you can find policies worth anywhere from $5,000 to $50 million.

JRC offers term life insurance quotes for the following terms:

What riders can I add to my policy?

Depending on the insurer you choose, you may be able to dress up your policy with riders. Common add-ons include:

JRC Insurance Group life insurance reviews and complaints

JRC has been accredited with the Better Business Bureau since 2016 and holds a high rating. Its high BBB rating speaks to the company’s customer satisfaction and business practices.

The insurance marketplace also boasts a stellar 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.

Compare life insurance companies like JRC Insurance Group

Frequently asked questions about JRC Insurance Group life insurance

• How can I reach customer service?

  There are five ways to get in touch with Bestow’s customer service team:
  You can contact the team in the following ways:

  • • Phone. Call 855-247-9555.
    • Email. Send a message to info@jrcinsurancegroup.com.
    • Social media. Ask questions on Twitter, Facebook and LinkedIn.
    • Website. Use the live chat function on the homepage.
    • Mail. The mailing address is:
      JRC Insurance Group
      3914 Murphy Canyon Road
      STE A236
      San Diego, CA 92123

• Do I need a medical exam?

  In most cases, JRC recommends you get a medical exam. This usually cuts the cost of term life insurance. An agent sets up your free medical exam, and a medical technician comes to your home or office. Generally, appointments are available Monday through Saturday, 7 a.m. to 5 p.m.

• Can I get a copy of my medical exam results?

  Yes. JRC can provide a copy at no cost. You can even pass these on to your physician. The tests that life insurance labs run are so comprehensive, they can often be used in lieu of your physical.