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Zander Life Insurance Review 2020



It may seem curious that I do a Zander Insurance review, as they are not one of the life insurance companies we work with here on Insurance Blog by Chris.

They are actually not even a life insurance company at all, but a life insurance agency that technically makes them one of our competitors.

But we are about the life insurance industry and put our customers' needs first ̵

1; even if it means doing a review of one of our competitors.

Zander Insurance is one of the largest insurance agencies in the country and definitely worth a discussion on our blog.

So, our attempt in this Zander Insurance review will be to evaluate the company – both its advantages and disadvantages – as objectively as possible.

About Zander Insurance

Zander Insurance is headquartered in Nashville, Tennessee and has been in business since opening in 1925. [19659002] Although we focus on life insurance products in this review, the company is actually a diversified provider of full service insurance.

In addition to life insurance, they also offer coverage for:

Zander Insurance is often approved by Dave Ramsey and has been for over 20 years.

On the website he has quoted that he says "I trust Zander with all my insurance needs". If Ramsey is a true customer of Zander Insurance, this is almost the best approval available.

But Zander is not a direct insurance provider. Instead, it is an independent insurance agency and one of the largest in the country.

They work with some of the biggest names in the insurance industry, including:

… and many others. When you make an application with Zander Insurance, they work to place your application with the company that they think is the best match for you based on insurance and price.

Zander Insurance has a better business agency rating of "A +", their highest rating on the scale A + to F.

As it is not a direct insurance provider, the company is not rated by AM Best or commercial credit rating agencies.

Life insurance products that Zander offers

Although it is an insurance company and works with many different insurance companies, Zander Insurance only offers life insurance, not permanent or cash value, as whole life or universal life.

Because they work with several different companies, the specific term available life insurance is based on those offered by participating insurance providers. Zander Insurance does not have its own life insurance available.

Apply for life insurance with Zander

The only way to determine which products they have available is to fill out an application. Fortunately, it is a simple application on one page that makes the quotation process move.

There are four basic questions you need to fill out in the application:

  1. Have you used tobacco in the last 12 months?
  2. Choose your health class: Preferred Plus, Preferred, Standard Plus or Standard
  3. Coverage: Ranges from $ 50,000 to as much as $ 10 million
  4. Length: The choice is 10, 15, 20, 25 and 30 year

Question no. 1 is a standard question in all life insurance applications.

Question No. 3 indicates that the company has a very generous range of death benefits and goes all the way up to $ 10 million.

Question No. 4 shows that Zander offers the typical conceptual policy lengths, which range from 10 to 30 years in steps of five years.

But Question No. 2 is more than a little curious. It asks you to provide a self-assessment of your health, based on the four traditional life insurance ratings. If you do not know exactly what each rating means, it is very likely that you are making the wrong choice.

In addition, the application gives no indication that the company accepts applicants who may be considered as substandard health risks.

In such cases, life insurance companies usually assign what is called a "table rating", which ranges from 1 to 10.

The numerical rating represents a percentage increase in the premium you will pay over the tax rate for a standard rating. The higher the table rating, the higher your premium.

The fact that the substandard alternative is not presented in any form opens up the possibility that Zander may not provide life insurance for people with minor health conditions.

However, it is equally likely that a substandard classification will be granted once a full life insurance application has been submitted and a health evaluation has been carried out.

You simply will not be able to get a quick quote for coverage through website, or at least not one that will be your final insurance and premium.

This arrangement is not uncommon in the insurance industry.

Zander Costs

With so many different life insurance companies participating and the different insurances Each offer makes it virtually impossible to provide a summary of all policies available through the company.

But for price purposes I ran several scenarios:

Scenario No. 1:

  • Applicant: Male, 35
  • Health Status: Non-Smoker, Preferred Plus
  • Coverage: $ 1 million
  • Duration: 30 years

The top five victims came in as follows:

 zander insurance rates for a male non-smoker

Scenario # 2:

  • Applicant: Female, 45 [19659024] Health Status: Non-Smoker, Preferred
  • Coverage: $ 1 Million
  • Length: 30 years

The top five quotes came in as follows:

 zander insurance prices female non-smoker

Scenario # 3:

  • Applicant: Male, 55
  • Health Status: Non-Smoker, Standard Plus
  • Coverage: $ 500,000
  • Length: 30 years

The top five victims came in as follows: [19659002]   zander in insurance rates male non-smoker standard health

Scenario # 4:

  • Applicant: Female, 65
  • Health status: Non-smoker, Standard
  • ] Coverage amount: $ 500,000
  • Length: 20 years (a 30-year period for a 65-year-old requires a tender)

The five best victims came in as follows:

 zander insurance prices for women non-smokers standard health

It is important to remember that all you get when you fill out the short online application is a series of quotes from participating insurance providers

Once you have selected a quote and a company to make a complete application with, the details can change based on your health status determined by the insurance company.

Zander Life Insurance Advantages and Disadvantages

Advantages: [19659073] Zander Insurance is a fully diversified insurance company offering almost all types of life insurance supplements. If you are looking for a company that meets multiple insurance needs, Zander is one worth checking out.
  • As a life insurance agency, you have access to quotes and insurance from many different life insurance companies. You can choose the one that works best for you.
  • The application process, at least as far as obtaining price information, is extremely user-friendly.
  • The company is supported by Dave Ramsey and has the top Better Business Bureau rating.
  • Cons:

    • Zander Insurance is not a direct insurance provider, so you will ultimately deal with the participating life insurance companies.
    • The company emphasizes the term life insurance and does not even market life insurance or permanent cash values.
    • No indication is given if they do not offer a medical examination policy. But it is possible that they are offered from company to company.

    Alternatives to Zander Life Insurance

    The life insurance industry is one of the most diverse industries available, which means that you as a consumer will have plenty of options to find the right policy to meet your needs.

    Other companies we recommend include:

    AIG Direct

    AIG Direct Life Insurance is not one of the better known life insurance companies, at least not among the general public.

    But it is one of the major suppliers of individual life insurance in the industry.

    In the same way as Zander Insurance, AIG places your insurance with one of the many participating companies they work with and offers you an opportunity to get a good insurance for a very reasonable premium.

    And in addition to lifetime, they also offer lifetime, universal life, guaranteed issue and other policies that Zander does not provide.

    Banner Life

    Banner Life Insurance is one of the most popular life insurance options in the industry.

    It is a subsidiary of Legal & General, one of the largest insurance companies in America.

    Banner Life is often one of the cheapest providers in the industry, which explains why they are so popular.

    They also offer permanent life insurance and annuities in addition to term coverage.

    Banner also offers insurance policies without medical examinations, although they are more expensive than fully medically insured insurance, they are good for anyone who does not like graduation.

    Ladder Life

    Ladder Life Insurance is a favorite here.

    It is one of a new breed of "fintech" life insurance companies, which operates completely online and offers fast approvals at reasonable prices.

    But they are also one of the most unique life insurance providers available.

    As the name suggests, they offer life insurance policies that allow you to adjust the size of the death benefit, based on your financial needs and budgetary restrictions.

    For example, you can start with a large amount of cheap coverage when you are younger but reduce the benefit when you get older and your need for life insurance decreases.

    This also gives you an opportunity to lower the premiums, as term renewals are based on your age at the time of renewal.

    USAA Life

    USAA Life Insurance is a full service provider of financial products and services to members of the US military and their families.

    These include investments, pension plans, banking, loans, mortgages, car insurance and of course life insurance.

    If you're eligible, they offer some of the most competitively priced life insurance products in the industry.

    It should be your first stop if you are a member of the military.

    Is Zander best for you?

    Maybe it's a weird question because Zander is a competitor. But we think that our customers owe it to themselves to investigate several options to find the right life insurance.

    We really hope you choose us, but if you decide to go somewhere else, we wish you luck. And surely Zander is a competitor that is worth checking out.

    Just remember that they, like us, are not a direct insurance provider, but an agency that places your insurance with one of several large life insurance companies.

    best we can tell, Zander targets those who fit standard health care or higher. It is likely that they offer very competitive premiums if you qualify.

    But if you do not – usually because of a health condition – remember that it is our specialty. As a life insurance broker, we work specifically with people who have health conditions, high-risk occupations and even high-risk hobbies.

    If any of these situations describe you, just fill out the Get a Free Life Insurance Quote box to the right of this article and let's get started and help you get the best coverage at the lowest possible premium.

    * While doing our utmost to keep our site up to date, please be aware that "timely" information on this site, such as quotes or relevant company information, may only be accurate from the last day of editing. Huntley Wealth & Insurance Services and its representatives do not provide legal or tax advice. Contact your own legal or tax advisor.


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