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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.

Visit www.trustedchoice.com/life-insurance
Pros
  • Two-minute application
  • Broad coverage options
  • Consults up to 45 providers
Cons
  • Can’t specify term preference
  • Third party

Helpful Reviews

Kenosha, WI
Verified purchase
I had a policy with my company and I was looking to switch or look for better rates for term life. I searched for life insurance companies online and Trusted Choice consolidated i...

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Sausalito, CA
Verified purchase
I saw from the state of California site that the type of agent that I was interested in working with could be found. I followed the link and it brought me to the Trusted Choice site.

Read more

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:

  1. Have you used nicotine or tobacco in the last 12 months?
  2. If a provider requires it, are you willing to take a medical exam?
  3. 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 typeMonthly 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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TrustedChoice.com Life Insurance Reviews

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    How do I know I can trust these reviews about TrustedChoice.com Life Insurance?
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    • Our moderators read all reviews to verify quality and helpfulness.
    Page 1 Reviews 0 - 40
    Verified purchase
    StaffEase of Use

    Reviewed May 29, 2020

    TrustedChoice.com identified several agents including the one that I wound up using. Their site was pretty easy to use.

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    Verified purchase
    CoverageStaff

    Reviewed May 28, 2020

    Using the website of Trusted Choice was very easy. I went to see if there was any life insurance company that will help us with my husband. I felt comfortable with the options they gave me.

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      Verified purchase
      CoveragePriceStaff

      Reviewed May 19, 2020

      I have life insurance with the government employment I have and I’m going to cancel it because I’m no longer going to be working there. It goes up and I can retain it, but I thought that searching with an independent agent was going be cheaper than what my life insurance would be with my work. Trusted Choice sent me some information through mail.

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      Verified purchase
      Customer ServiceCoverageSales & MarketingPricePunctuality & SpeedStaff

      Reviewed May 9, 2020

      To have something to pay off my funeral costs, I put up that I needed insurance. I tried two insurance agents. The one in Northern California called me, so he was just right there, which I appreciate. He did a great job. He asked the right questions and he was very thorough, cordial and pleasant to talk to. Meanwhile, the agent from Riverside was bad. He called me, asked me what I needed, and we talked. His interaction was okay. It was just that I didn’t feel the time frame it took was proper. I was denied, but it took forever to get an answer. They called me back for my name four times then they asked my Social Security number and I left that several times. They kept calling me, and it took two months for them to finally respond. I asked another agent and she said it should take a couple of weeks.

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      Verified purchase
      CoveragePunctuality & SpeedStaff

      Reviewed May 6, 2020

      My mom just passed away. I’m having an issue because nobody wanted to give me what I want with diabetes. I'm having a difficulty finding an agent that will work with me because everybody only wanted to give me a little bit, and not even enough to carry like a burial, ‘cause they only wanted to offer two like to $5000 coverage, and that’s not enough.

      What TrustedChoice gave me was like they wanted me to see a doctor. Someone told me it’s no examination, but still, I have to go through it. And I don't get that. I just gave up. On top of that, I’m a truck driver and I'm out here on the road, and they give me the runaround. I was like, I’ll just wait and see when I’m able to look, ‘cause I’m hearing one thing. And then, when I’m searching through it, it’s another thing.

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      Verified purchase
      Customer ServiceRefunds & PayoutsStaffRates

      Reviewed May 1, 2020

      I saw from the state of California site that the type of agent that I was interested in working with could be found. I followed the link and it brought me to the Trusted Choice site. There were other matches that fit the criteria and then I selected the one in my immediate area. I was hoping that I could have a face-to-face. No matter how many times I asked for that, the agent sort of skirt. They didn't give me a direct answer if it would be possible or not. I hear from them every two months, asking me for more information and I provide it, but I'm not interested in working with them as they don't make me feel that they're responsive or they're interested in doing business with me. This is gonna be a lot of money that I'm gonna be paying for someone who sort of blows me off and doesn't prioritize me. But in terms of the site itself, it was an okay experience. I like the ease of navigation.

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      Verified purchase
      Customer Service

      Reviewed Nov. 24, 2019

      I have some very important outstanding court bills that I need to pay. I'm swamped with all these court bills and attorney bills. I called Trusted Choice to see if I could sell my life insurance. I left a message, but no one has called me back. Also, navigating the website was easy. It's not working out for me though. I've been searching and searching but I can't find anybody to sell it to.

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      Verified purchase

      Reviewed Nov. 5, 2019

      I don’t have insurance at the moment and I’m looking for one. I used TrustedChoice's website and had no difficulties. I then got contacted by some insurance agents.

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      Verified purchase
      Punctuality & SpeedStaff

      Reviewed July 18, 2019

      I searched online for the quickest way to find insurance, since mine had lapsed, and went with Trusted Choice as they were the first ones to call. They were helpful and the information I got was very helpful as well. It's just that their guy seemed to be in a hurry, like they were pressed for time. I wish I had more time to actually get a couple more quotes, but it was a good experience overall.

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      Verified purchase

      Reviewed May 16, 2019

      I went with TrustedChoice because I searched on the website. The navigation was like a plus 10-question survey. I had to take it. I really researched and took time finding out what's going on. It was a first time to see what will the outcome be. I've no complaints so far and I'm looking forward to receiving the policy.

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      Verified purchase
      Customer ServiceCoveragePriceOnline & App

      Reviewed May 13, 2019

      I work a fairly high-risk job and I have a daughter with her own medical issues. A life insurance is always a good thing to have and I wanna make sure my daughter's okay. I researched online and looked at the difference between whole and term insurance. Trusted Choice popped up among some of the web choices so I clicked on it and filled it out. It was pretty easy to use their website. They called me and I liked their pricing. But with what I’m forking out for my daughter, I just can’t afford the insurance that I want right now so I’m waiting. They are checking in with me every six months or so until my cost would be down enough that I could afford the insurance.

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      Verified purchase
      Customer ServiceCoveragePriceStaff

      Reviewed April 19, 2019

      Trusted Choice Life Insurance's service was good, but what I ended up with was not. I chose Zander through American General, and they still have not issued me a policy. And that was back in January. I had insurance back in 2015. And at that point, I lost my job. I wasn’t able to pay for the life insurance and keep it up, so I looked for a new company. I had several agents come to my home unannounced like we had an appointment. And when they got here, they did their song and dance, and then they wanted to charge $200 a month for life insurance. No. I'm not trying to pay that kind of money for life insurance. There's too much of the song and dance.

      The website was great. I had no problems finding someone, and they contacted me right away. It's just all the loopholes I had to go through in order to get the insurance wasn’t satisfactory. I filled up the application, told them everything that they needed, said, “Yes, I do take medication for a certain issue.” Then they sent a nurse to my house who took blood and urine, but that deal wasn’t enough. It's like you're a criminal. They wanted a background check. They want your last five years of medical records and your life story. For real? It was too complicated. I don’t have a critical disease where I'm getting ready to die. It was just all a headache. Finally, just last week, I said, “You know what? Go through my application. It's got all of my personal information, and do not call me again.” Other than that, I had a good experience with Trusted Choice.

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      Verified purchase
      Customer ServiceStaffProcess

      Reviewed Jan. 22, 2019

      I didn’t like the process with Trusted Choice. If they ask clients to put all of their information in the system online in advance, it would be more beneficial if they do their research and see that that person already gave them that information than asking them again. Then if the clients says they're busy and to call back another time, don't continuously talk as if they didn't say they were busy. The gentleman that I spoke to wasn’t friendly. I gave Trusted Choice all the information that I thought they needed. But then he wanted to ask me the same questions over again. I told him it was redundant and I didn’t wanna move forward. Aside from that, Trusted Choice also only had term life and that is not something that I need for my family. I'm looking for whole life.

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      TrustedChoice.com Life Insurance
      Response from TrustedChoice.com Life Insurance

      We're sorry to hear of you experience with TrustedChoice.com. We understand you had an issue with the specific agency you worked with. While we always try to ensure customers' happiness by matching them with the correct agencies, sometimes it isn't a good match. We'd encourage you to work the process again and find the perfect agency for your needs as we have thousands of options. I will reach out to you privately as well to resolve this issue.

      Insufficient response received
      Verified purchase
      Staff

      Reviewed Dec. 7, 2018

      I want to leave something to my children in case of my untimely death. My client who helped me look for insurance, referred Trusted Choice to me. The independent agent who came to my house was pushy and persistent. I just wanted to get him out my house so I signed up for life insurance.

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      TrustedChoice.com Life Insurance
      Response from TrustedChoice.com Life Insurance

      We are very sorry to hear of your experience. We'd love a chance to make it right. I have forwarded your comments to our support team and made them aware of the situation. You can contact us directly and we will do whatever we can to make sure your insurance needs are met.

      Verified purchase
      Coverage

      Reviewed July 16, 2018

      My brother has a stage 4 colon cancer and he's doing well with his treatment. He was looking for an insurance that would offer him something if something was to happen to him. They could help pay off his mortgage to the house and handle the big stuff. I spoke to a guy twice and I needed him to get back to me and let me know ways to get in touch with some other people to find out more information. Because Colonial Penn and those kinds of places only peg you up to $25,000 and while it's something, that would be nothing to cover a lot of the things he would need to do. I do not know if he is with Trusted Choice Life Insurance, but I was supposed to hear back from him at the beginning of the year.

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      TrustedChoice.com Life Insurance
      Response from TrustedChoice.com Life Insurance

      We are very sorry to hear of your experience. We'd love a chance to make it right. I have forwarded your comments to our support team and made them aware of the situation. You can contact us directly at support@trustedchoice.com. We will do whatever we can to make sure your insurance needs are met.

      Verified purchase
      Customer ServiceStaff

      Reviewed July 14, 2018

      TrustedChoice's salespersons were awesome, polite, and so convincing. I was watching one of them and she had a great pitch. They were able to give me the number and the information I needed and gave me a pamphlet inside to read because they didn’t have much time to talk since people were coming in like crazy.

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      Verified purchase
      Coverage

      Reviewed July 13, 2018

      I was planning for the future and I was dabbling and looking into some insurance for my father. TrustedChoice was the first site that came up and it was easy enough to navigate. There was a lot of information available and I was able to get in touch with somebody pretty easy. I got a message and I spoke to a rep in Florida a couple of times. But my father got pissed off about the insurance so we’ve decided not to do it. My experience with TrustedChoice's website was brief but I was very, very satisfied with the website and I’d recommend it.

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      Verified purchase
      Customer ServiceStaff

      Reviewed July 8, 2018

      My mom's almost 80 years old and needed some final obligation insurance so we could close things up. I filled out a couple of things online and talked to several people. Trusted Choice was one of the brokers that called me. The guy was a little rude and insisted on some stuff that I thought was crazy. He wanted to talk to my mother but my mother's very hard of hearing. She’s in an assisted living and I live in another house. None of the other agents I talked to wanted to talk to her so if that was where they were gonna sit, then we couldn't do business with Trusted Choice. On the other hand, Mutual of Omaha had a plan that fit exactly what we needed, so we wound up going with them.

      Thanks for your vote!
      TrustedChoice.com Life Insurance
      Response from TrustedChoice.com Life Insurance

      We are very sorry to hear of your experience. We'd love a chance to make it right. I have forwarded your comments to our support team and made them aware of the situation. You can contact us directly at support@trustedchoice.com. We will do whatever we can to make sure your insurance needs are met.

      Verified purchase
      Customer ServiceCoveragePriceStaff

      Reviewed June 23, 2018

      My sister-in-law had diabetes and they couldn’t get policy so I was trying to see if I could help them out. However, I ended up not doing anything because I couldn’t afford it. Trusted Choice wanted all this blood cost and it was just a lot more than I wanted to have to deal with and the cost was too high. I know it’s just by protocol so I can’t blame anybody for that. The people that approached me were fine, though. The rep was very personable and he started calling to follow-up. I would recommend Trusted Choice if I were someone just seeking health insurance or normal health insurance.

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      Verified purchase
      Customer ServiceStaff

      Reviewed May 1, 2018

      I was doing something for my employer and we signed up with Trusted Choice. He asked me to try it out and see how it works, so I did and it worked very smooth. Everything went perfect and went right over to his email. It worked out how we wanted it to.

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      Verified purchase
      CoverageStaff

      Reviewed April 19, 2018

      I have grandchildren and I wanted to get more coverage. I was searching for life insurance online and that process was easier because a lot of my questions were answered online before I got to talk to an agent. I’ve tried out MetLife and Trusted Choice Life Insurance’s process was easier. They answered all the questions that I had. The choices, as well as the amount of coverage, could have been better though. It could have been more because not everybody is looking for a $2500 policy. Some people are looking for more. We have homes that, in case of our death and our family members may not have the money to pay for, we want the insurance to cover for. I still have the plan that Trusted Choice Life Insurance recommended and I feel okay about it. Check them out and see if they’re a good fit for you. Just be more tolerant with the prices as well as the amount of coverage.

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      Verified purchase

      Reviewed April 17, 2018

      I had a policy with my company and I was looking to switch or look for better rates for term life. I searched for life insurance companies online and Trusted Choice consolidated it into one location, so you got all the information you need in one stop. My whole experience with them was pretty good.

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      Verified purchase
      Staff

      Reviewed March 30, 2018

      We needed life insurance, which the job no longer offered, and we found Trusted Choice online. We gave them our information but we couldn't afford what they had to offer and we ended up purchasing life insurance through someone else. But Trusted Choice answered some questions and ran some numbers over the phone. They were very helpful and made it easy.

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      Verified purchase
      Coverage

      Reviewed March 22, 2018

      I was not happy with Trusted Choice's website. It did not address the specific life insurance issues that I was looking for. I was looking for life insurance for an individual who has a preexisting disease and the website said that it has referral and information for that, but it did not. None of the goals were addressed and they didn't have insurance companies listed who deal with preexisting.

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      TrustedChoice.com Life Insurance
      Response from TrustedChoice.com Life Insurance

      We are very sorry to hear of your experience. We can help you with your preexisting illness insurance needs. I will reach out to you privately to resolve this matter.

      Verified purchase
      Customer ServicePriceStaff

      Reviewed March 21, 2018

      My old plan is getting to term out and the prices are going to skyrocket. And I needed a good deal because I'm getting old. Navigating TrustedChoice.com Life Insurance's website was pretty easy and their agent is pretty good. We had a couple of emails back and forth and he seems okay. We're still working on it and it's hard to get a good time for them to call me and me to call them. We're still playing phone tag.

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      Verified purchase
      Online & AppStaff

      Reviewed March 16, 2018

      I work for Brewer Insurance and we're on Trusted Choice Life Insurance. I can't click on something on their website and go back to a homepage where it gives me all their other options. There’s no drop down nor search. I think it’s just something that I have to learn in order to utilize it to the best of my ability but once I was directed in the right path, then it was no problem. I’ve had nothing but positive to say about the person that has worked with me for the stuff that I’ve been working on. I just need to find where I need to be to start with.

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      TrustedChoice.com Life Insurance
      Response from TrustedChoice.com Life Insurance

      We will be sure to relay that information to our development team in hopes of correcting your navigation issues. Thank you for using trustedchoice.com.

      Verified purchase
      Staff

      Reviewed March 12, 2018

      My life insurance was going to double for what I have to pay. I know my age has a lot to do with it and I had AFib at the beginning of 2017. So, a lot of insurance companies put me in the second tier level instead of the top tier. I wasn't going to keep only $21,000 life insurance policy for whatever it was going to be, so I was looking for a better fit for around the same price. Navigating through Trusted Choice's website was easy. They named three different brokers, and Prudential was one of them. Trusted Choice said Prudential was probably my best bet to get a 15-year term life insurance policy for $100,000 for $48,000 change and it was good. I would recommend Trusted Choice. They were very helpful, and hopefully, it would work out.

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      TrustedChoice.com Life Insurance Company Information

      Company Name:
      TrustedChoice.com Life Insurance
      Website:
      www.trustedchoice.com