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finder.com's rating: 4.5 / 5
★★★★★
18 to 95
Issue Age
$50,000 to $10,000,000
Coverage
Yes, in most cases
Medical Exam Required
Policies | Term life |
---|---|
Coverage maximum | $10,000,000 |
Term lengths | 10 to 30 years |
Medical exam required | Yes, in most cases |
Available states | All 50 states |
Issue age | Up to age 95 |
Riders |
Child rider Spouse rider |
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Review by
Sarah George is a writer at Finder who unravels complicated topics about insurance, business and finance. She's been wordsmithing for nearly five years, after earning an English education degree. Her insurance know-how has been featured on CarInsurance.com. You can usually find Sarah sipping hot tea and talking through movie plots in her downtime.
The main benefits of buying life insurance through Zander are the money and time you can save on no-fuss policies. Zander helps you take care of this purchase quickly without making many decisions about the type of policy and riders you’re going to buy.
On the other hand, Zander doesn’t offer permanent policies that have an investment aspect. Some companies may let you convert your term to permanent insurance after your term expires.
It’s worth getting a quote through Zander if you’re curious about the price and option you might get matched with. But if you’re seeking a policy that accumulates cash value or you want more rider options, consider other life insurance companies first.
Zander is an insurance broker that focuses solely on term life insurance. It offers a wide variety of coverage levels and terms between 10 and 30 years. Older policyholders may convert their term policies to permanent life insurance, depending on the insurance company you’re matched with.
Zander’s approach to life insurance is straightforward and cuts down on the add-on options most insurers provide. However, some companies Zander works with might offer:
You can expect to pay anywhere from $50 to $150 per month for term life insurance. However, some options from Zander could cost even less. For example, when we quoted under a Preferred Plus health class — the highest level of health — and found premiums as low as $21 per month for a $400,000 policy.
Your exact premium will depend on the insurance company you work with through Zander, along with factors like your:
To qualify for the lowest premiums in the Preferred Plus health class, which is the highest health rating, you’ll need to meet these health criteria:
To qualify for a Preferred health class, which will still give you affordable premiums, you ‘ll need to meet these criteria:
Zander is accredited with the Better Business Bureau (BBB) with an A+ rating, it also has 15 customer complaints on the BBB site, as of October 2020. Complaints center around people receiving unwanted sales calls and billing issues, but Zander has responded to all complaints.
At Finder, we prefer to see more customer reviews before making a conclusion about Zander’s customer service. Keep in mind that customers may write more reviews for the insurance companies directly, since Zander is an insurance comparison site.
AM Best financial rating |
Not Rated |
BBB accredited | Yes |
BBB rating | A+ 3.5/5 out of 18 customer reviews |
Customer reviews verified as of | 25 January 2021 |
You can sign up for a life insurance policy online or by phone with these steps:
The insurance company could take four to six weeks to complete the approval process, including the medical exam. If you’re switching companies, you might need to keep your other policy until you’ve received approval and made a payment on your new policy.
★★★★★ — 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.