
TrustedChoice.com Life Insurance Reviews
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About TrustedChoice.com Life Insurance
TrustedChoice.com connects customers with local independent insurance agents to guide them through the process of selecting life insurance policies. Agents provide quotes from multiple providers, helping customers find the right coverage at the lowest rates. Agents pay to be advertised in the TrustedChoice directory and matched with preferred shoppers.
- Two-minute application
- Broad coverage options
- Consults up to 45 providers
- Can’t specify term preference
- Third party
Helpful Reviews
About TrustedChoice Life Insurance
TrustedChoice is a digital insurance marketing platform that helps customers find local independent agents. Agents help shoppers find the best prices for life insurance by evaluating offerings from up to 45 national providers. TrustedChoice also maintains an insurance provider directory with recommended providers and links to the companies’ websites.
Getting started with TrustedChoice is simple — just provide your ZIP code, name, age and gender, then answer these three questions:
- Have you used nicotine or tobacco in the last 12 months?
- If a provider requires it, are you willing to take a medical exam?
- What amount of coverage do you need?
This two-minute questionnaire ends with a list of local agents you can contact immediately, or you can request that they contact you. Agents follow up with a list of quotes to help you pick the best policy for your health profile and coverage needs.
If you’re not sure what coverage you need, TrustedChoice agents will work with you to find the right fit. The website provides information on three types of life insurance: term life, whole life and universal. Check out the company’s online resources and chat with a TrustedChoice agent to research your options and move forward with a coverage plan.
TrustedChoice Life Insurance types and coverage
TrustedChoice lists 45 providers to choose from. Because it can be difficult to sort through so many options, the website also provides educational materials to help you understand what kind of coverage you need.
The providers TrustedChoice recommends offer universal, term and whole life insurance.
- Term life insurance provides coverage for a limited time and pays out a benefit if the policyholder dies during that period. Term life policies require lower monthly payments than permanent coverage because the insurance company faces less risk.
- Permanent life insurance lasts the rest of the policyholder’s life, and its coverage is nuanced. Both types of permanent life insurance — whole life and universal — pay out death benefits and build up a savings account over the years, but customers with whole life policies have more flexibility to withdraw money from their accounts.
- Whole life insurance pays a portion of your income if you can’t work for an extended period because of an illness or injury.
- Universal life insurance gives you the flexibility to adjust certain aspects of your policy, like the death benefit and the premium.
TrustedChoice does not universally recommend one type of life insurance over another. Its life insurance questionnaire doesn’t let customers enter a preference — you must speak with an agent to choose.
In addition to term length, customers must also choose their payout amount. In the life insurance survey, customers can select coverage from $50,000 to $5 million.
TrustedChoice Life Insurance pricing
TrustedChoice Life Insurance agents consider your health profile and coverage needs when they gather quotes. Generally, younger, healthier people with less coverage pay significantly lower monthly premiums than those who are older or less healthy.
Here’s what an adult with healthy family history and habits might expect to pay:
| Life insurance type | Monthly premium |
|---|---|
| Term life insurance | $20 to $100 |
| Whole life insurance | $60 to $300 |
| Universal life insurance | $50 to $200 |
TrustedChoice does not charge customers an additional fee to help them find the right insurance policy.
TrustedChoice Life Insurance FAQ
Are TrustedChoice insurance agents independent?
Yes. TrustedChoice insurance agents are independent brokers who are not affiliated with any national providers. Instead, they evaluate up to 45 insurers to find the best coverage for each client.
Where do TrustedChoice agents operate?
TrustedChoice agents are all over the country. After you fill out the life insurance survey, you should get a list of agents in your area.
Does TrustedChoice require a medical exam for life insurance?
TrustedChoice does not require a medical exam, but the insurance provider may. If you’d like a provider that does not require a visit to a doctor, indicate this preference on the life insurance questionnaire. Note that a provider that does not require a medical exam likely charges higher premiums than those that do.
Still have questions?
Do we recommend TrustedChoice Life Insurance?
TrustedChoice is a good insurance agency for those who want quick, convenient access to offerings from a large number of insurers and prefer to work with an agent to go over quotes, get recommendations and customize their coverage. However, if you want to shop for policies on your own, you might be better served elsewhere.
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- 4,889,230 reviews on ConsumerAffairs are verified.
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- We use intelligent software that helps us maintain the integrity of reviews.
- Our moderators read all reviews to verify quality and helpfulness.
TrustedChoice.com Life Insurance Company Information
- Company Name:
- TrustedChoice.com Life Insurance
- Website:
- www.trustedchoice.com




