I often get questions about Zander Life Insurance, so I wanted to write a blog post which would be a review of Zander life insurance as well as recommendations made by Dave Ramsey.
Zander Insurance group is an insurance agency that is recommended by Dave Ramsey. Ramsey has some excellent advice for reducing your debt. However, When it comes to Zander insurance I want to highlight some points why you might consider working with an independent life insurance agent, as opposed to Zander.
Zander Life Insurance Review : Zander Pays Dave Ramsey
The first thing you need to know is that Zander is a sponsor of Dave Ramsey’s Radio show. You can see that right on the Zander Life Insurance website. A smart consumer could see that perhaps Dave Ramsey recommends Zander because they are a sponsor of his radio show.
Zander Life Insurance – Speaking with an Agent
When you work with an independent agency like ChooseTerm.com, you work with the same agent before, during, and after the sale. When working with a call center you will likely never speak to your agent after the sale. While I can’t officially say that Zander is a call center since I don’t work there, what I can say is that when you call Zander, they have a lot of agents ready to take incoming calls and sell insurance. My experience in working with companies like this is that there is typically more of a focus on selling than there is on customer service.
Zander Offer a Limited Number of Insurance Companies
Zander offers less life insurance carriers than we do. If you are physically fit and have a perfect health record, you won’t have an issue getting a competitive term life quote from Zander. However if you aren’t in perfect health, a cookie cutter approach won’t work for you. Since we specialize in high risk life insurance, we are able to get people the best rates when they have a pre-existing condition. However Zander’s website doesn’t mention anything about high risk life insurance. If you don’t work with an agent that specializes in high risk life insurance, you may not end up with the best rates. At ChooseTerm we specialize in high risk life insurance and can help you get the best rates. We work with over 30 life insurance carriers and know which carriers will offer you better pricing based on your health condition and specific situation.
Life Insurance is Not a One-Size Fits All Product
According to Dave Ramsey everyone should get 10 times their annual income in coverage, and a 15 or 20 year term life insurance policy. While we agree that term life insurance makes sense for many people, having 10 times your annual income might be too little or might be too much based on your situation. For example, you would want to consider if you have a mortgage, if you have kids, and if so how many? How old you are, and your current health status are all questions to consider when choosing the length of the term period and the amount of coverage. At ChooseTerm we can work with you to help you figure out what makes the most sense for your family.
While we respect the advice of Dave Ramsey at Chooseterm.com, we invite you to call us or get term life quotes below or on our home page. We believe you get a more personalized experience, with more competitive rates and better service. We hope this zander life insurance review was helpful and look forward to working with you.
Author: Liran Hirschkorn
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