Zander Life Insurance | Review

As you might remember a few months ago,  I wrote about why, as a newlywed, I didn’t need life insurance for my situation. And then, after thinking about it more, realized that if anything did happen to me, I would probably be kicking myself for not having it – even if we didn’t need it. So I asked you (the readers) who the best term life insurance companies were (I had already chose Term rather than Whole Life) and you gave a bunch of great responses.

zander insuranceSo after looking through your responses, and doing research of my own, I decided to go with Zander Insurance Group as the broker. They are the company that Dave Ramsey recommends, and while I did find better rates, the rates that I found through Zander were pretty comparable. They have been around 80 years, are an independent company, and are still run by Zander family member. I often find that companies like that are better to do business with than the big conglomerate machines.

Just to clarify, Zander is the broker, so they don’t actually provide the insurance themselves, they just facilitate the process of getting life insurance with another company.

Getting a quote

I should have written this article while I was going through the process (it is now a few months later), but I will try to remember the details as best as possible.

I went directly to the Zander Insurance website and clicked the link to get an instant quote. After dropping in just a little bit of info, it spits back a list of about 40-50 different companies and what they charge for the Term you are looking for. From this list I didn’t just pick the cheapest company, but I chose Genworth Financial for a variety of reasons. They did have one of the best rates for my particular situation, they are a well-established and pretty financially stable company – and in a past job I worked with a lot of insurance companies and they were one of the better ones I dealt with in terms of service.

Filling out the application

After selecting my term insurance company, I got to fill out a quick version of the application online. After submitting it, I received an email from my Zander representative explaining the next steps. They mailed me the standard life insurance application that I had to fill out before my physical. One of the things I liked was that they sent a nurse to my house to do the medical exam, rather than me having to go make an appt. with my doctor. This may be common practice, but I appreciated it regardless.

The medical exam

I don’t know if it was naivety or wishful thinking, but I didn’t realize the medical exam would involve needles. It did. She came over and checked my height, weight, blood pressure, pee-in-a-cup, etc. and then she whipped out a needle. In case you can’t tell, I don’t particularly like them. 😉 But, it wasn’t too bad – I just closed my eyes and thought happy thoughts while she stole some of my hard-earned blood. She then packed up her bag and was on her way.

Issuing the policy

The Zander people followed up with me again to confirm some details on my application and within a few weeks I received my policy from Genworth. So, I don’t have much basis for comparison, but I enjoyed working with Zander, they seemed to be very thorough and made the process pretty simple – or as simple as it can be.

Have you gotten a life insurance quote with Zander or another life insurance broker that you recommend?

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  1. Evolution of Wealth

    Sounds like you had a good experience. Did you prefer it over sitting down face-to-face with someone? I realize Zander is a more internet based company. I was wondering your take on the internet base versus local (where someone meets with you in person). Is it different for you having done your homework ahead of time vs the average person that might need more insight?

    • Bob

      I did prefer it over meeting someone face to face (unless I knew them very well and trusted them) – and sitting down with a Insurance broker might help people who wouldn’t do the homework themselves, but for me I am a bit more of a hands-on guy who would prefer to find the info myself – but that’s me!

  2. Mike D.

    I used Zander when I was getting my policy. It was about a year ago so I don’t remember all the specifics, but my experience was positive, like Bob’s. I do remember calling to ask a question, and they got to me rather quickly and were helpful. I also remember that they had a problem with my policy, I had selected preferred plus as my health range (the best) but didn’t qualify for that so they had to call, explain it, and give me a new quote.

    I do remember it taking a while, but I think that’s just the underwriting process, nothing involved with Zander or probably any other broker for that matter. After the physical it seemed to take a month or two, with them checking over my physical and getting info from my doctor.

  3. Gholmes

    Zander wasnt licensed in Oregon when I bought my term life insurance. Zander recommended a broker out of Oregon and we used them. I do like face to face but term insurance seems straight foward. Also ended up using same company for independent health insurnance. Good service all around.

  4. Mr. Not the Jet Set

    We used Zander several years ago, and found the process to be about as straightforward as you could expect insurance to be. We really had no complaints. Glad to hear it went well for you.

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