Life Insurance Companies That Sell Insurance Over the Phone (Compare Rates)
Some people want to purchase an insurance policy by talking to a real person. The most popular way to do so is to purchase it over the phone. Speaking directly with an agent offers a lot of benefits, so make sure to find life insurance companies that sell insurance over the phone.
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UPDATED: Apr 25, 2022
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There are many ways to purchase life insurance, and each one offers its own unique benefits and drawbacks.
For example, some people want to purchase an insurance policy without having to talk to a real person. For people with this preference, shopping for quotes and purchasing insurance online is probably their best option.
Another popular way of buying life insurance is to purchase it over the phone. In fact, many insurance companies won’t sell you a policy without speaking to you on the phone.
Speaking directly with an agent offers a lot of benefits, and it’s the quickest way to make sure you get every discount available and the right type of insurance for your needs.
If you want to see quotes from life insurance companies that sell insurance over the phone, you should start by shopping around. To get an idea of what quotes might look like for you, enter your ZIP code into our free tool today.
Life Insurance Companies That Sell Insurance Over the Phone
If you want to buy your life insurance over the phone, the good news is that you won’t have to search hard to find a company. In fact, it’s much more of a challenge to find life insurance companies that don’t sell insurance over the phone.
Keeping in mind that most companies not only sell by phone but also offer customer service, here are some of the best life insurance companies to consider.
Prudential Life Insurance
Prudential life insurance ranks highly for the number of policy options available. With 12 different options, there’s something for just about everyone.
Prudential’s term life policies include the following options:
- Simply Term: A basic term policy with coverage options between $100,000 and $1,000,000 in terms of 10, 15, 20, or 30 years.
- Term Essential: Another term offering coverage between $100,000 and $1,000,000 with terms between 10 and 30 years. You have the option to convert your policy to permanent life insurance without going through another medical exam.
- PruTerm One: A unique plan, this policy lasts a single year.
Prudential also offers excellent choices for whole and universal life insurance plans as well.
Northwestern Mutual is another life insurance company that offers a wide selection of term, whole, and universal life insurance.
As far as customer satisfaction goes, Northwestern Mutual ranks highly. As an additional benefit unique to this company, Northwestern Mutual pays dividends to eligible policyholders when it does well.
The choices for term and whole life are relatively simple. You can select how long you want your term policy to last and how much coverage you need. You also have the option to keep your monthly payments the same throughout the policy or to start with low rates that slowly increase.
Mutual of Omaha
Mutual of Omaha life insurance is a great choice for people who want to buy their policy by phone because it won’t sell insurance any other way.
While Mutual of Omaha generally receives praise for its products and resolving claims, customers sometimes complain that its policies are confusing.
Mutual of Omaha offers the following for term life insurance:
- Terms that last between 10 and 30 years
- Coverage that starts at $100,000
- Policies for people between the ages of 18 and 80
- The potential to convert your policy to a permanent plan with no additional testing or fee
It also offers strong whole life plans that range from $2,000 to $40,000. An additional benefit is that if you live to 100 (or 120 in Florida), you’ll no longer be responsible for paying.
USAA offers superb life insurance options, but you have to be a member of the military or part of a military family to qualify. It offers term and whole life with several riders, or add-ons, you can purchase.
Term life includes:
- Coverage while serving in an active war, which many policies exclude
- You can add $100,000 to your plan if you have a baby, buy a house, or get married before the age of 35
- The option to turn your term life into a permanent policy
- $25,000 payment if you are injured during active duty
USAA also offers whole life, universal life, and guaranteed issue plans. Additionally, this company receives far fewer complaints than other insurance companies of the same size.
State Farm is a consistent favorite, not only for life insurance but other types of insurance as well. It has a strong customer service reputation and a lot of options to choose from.
State Farm is also a great option for people who want to handle most insurance interactions on the phone. Purchasing a life insurance policy through State Farm requires speaking with an agent.
State Farm offers the following for term life:
- Select Term: Policies come in 10, 20, or 30-year terms and start at $100,000 in coverage.
- Instant Answer Term: This plan is for people aged 16 to 45, comes in terms between 10 and 30 years, and starts at $50,000 in coverage. This plan doesn’t require a medical exam.
- Return of Premium Term: Available in terms of 20 or 30 years, this plan starts at $100,000 in coverage. If you make all your payments and outlive your term, you’ll be refunded your money.
State Farm also offers whole life and universal life insurance options.
Enter your ZIP code into our free tool today to see quotes from life insurance companies that sell insurance over the phone.
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What type of insurance should you buy?
The type of life insurance you buy should consider several factors, including what you need it for and how much you want to spend. You should also consider your medical history.
There are three main types of life insurance for you to look at: term, whole, universal, and guaranteed issue. The one that would work best for you depends on your situation,
Term life covers you for the term of the policy, which usually lasts anywhere between 10 and 40 years. It’s a great option for people who want temporary coverage for their beneficiaries. Term is especially popular with parents who have young children.
You lose your coverage when your policy ends unless you renew it, but term life remains popular because it’s a cheaper option.
Whole life, as its name suggests, covers you for the remainder of your life. Many people shy away from whole life because the monthly payments are more expensive than term.
Despite the expense, whole is a great option for people who don’t want to worry about renewing their policies later. Another benefit is that you won’t have to go through any more medical exams later in life. If you’re worried about your future health, buying whole life when you’re young can save you money.
Guaranteed Issue Life
Guaranteed issue life is a last-resort option for people who have been denied standard life insurance. Coverage tends to be much lower than standard life insurance but remains appealing because you don’t have to take a medical exam.
People with serious illnesses or high-risk lifestyles often turn to a guaranteed life insurance policy to make sure the costs of their deaths are covered. While it won’t give your loved ones a large payout, it will at least cover their immediate costs.
Get Rates From Life Insurance Companies That Sell Over the Phone
Phone, email, mobile app, and even snail mail — no matter how you want to buy a policy, you’ll find plenty of options.
If you’re ready to make the phone call to buy a life insurance policy, you should shop around first to get an idea of the best rates. If you’re ready to see what quotes might look like for you, enter your ZIP code into our free tool today.