Many or all of the companies featured compensate us. Compensation and research may determine where and how companies appear. Learn more
  1. Home
  2. Life Insurance
  3. eCoverage Review

eCoverage Life Insurance Review


ConsumersAdvocate.org Rating: 4 / 5 (Very good)
Our content is free because we may earn a commission when you click or make a purchase using our site. Learn more.
Founded in 2012 and based in Washington state, eCoverage is an online marketplace where customers can obtain insurance quotes from multiple providers. Some of eCoverage's affiliates are among the biggest insurance carriers in the country. eCoverage has a A+ rating with the BBB.
 
View Top 10 List

How is eCoverage rated?

Breakdown

4.0/5
Company Stability
4.0/5
Reputation
4.0/5
Policies & Coverage

Overall Rating: 4 / 5 (Very good)

eCoverage's main selling point is its flexibility of options. Using the service, customers can obtain quotes from some of the top local and national life insurance providers. This allows users to cherry pick results by financial strength, coverage options, available riders, etc. eCoverage also has an extremely easy to use online interface that gets competing offers in seconds.

Financial Strength

Key Details

Standard & Poor's Financial Rating
AA-
Moody's Financial Rating
A1
AM Best Financial Rating
A+

Company Stability - 4 / 5

eCoverage delivers competing quotes from life insurance companies. With big names like Mutual of Omaha, Fidelity Life, and Prudential, the marketplace can offer quotes from some of the strongest and longest lasting life insurance providers. It is recommended that when customers choose an option from the results list, they check on the given company's financial ratings and history with a simple online search.

Reputation & Customer Experience

Customer Ratings

BBB Rating
A+
Number of BBB Positive Reviews
0
Number of BBB Negative Reviews
3
Date Collected
2019-09-17

Reputation - 4 / 5

As eCoverage is an online aggregator, the company has no listing of complaints with the NAICS. However, the company does shuttle you toward real quotes from actual insurance companies. Many online marketplaces simply take your contact information and say an agent will contact you soon. With eCoverage, users must only input the most basic of information, including height, weight, age, nicotine usage, and desired coverage limits to obtain a quote. A quicker and easier process than most.

eCoverage Policies

eCoverage offers customers the following life insurance policies: Term, Whole Life, Universal Life, Survivorship Life, Guaranteed Acceptance/ Final Expense.

Key Term Policy Features

  • Term-Permanent Conversions
  • Guaranteed Level Premiums
  • Guaranteed Renewability
  • Waiver of Premium
  • Accelerated Death Benefit
  • Return of Premium

Policies & Coverage - 4 / 5

eCoverage can connect users to mostly every permutation of life insurance coverage options. This includes term, permanent, and whole life products, with features like guaranteed renewability, term to permanent conversions, and accelerated death benefit. Age requirements, term lengths, and maximum benefits will wholly depend on your selected carrier. As an example, a 42-year-old nonsmoker received the options of $25,000 to $1 million in coverage for periods of 5,10,15, and 30 years. Because of this, eCoverage offers maximum flexibility in choosing life insurance coverage.

Flexibility and Available Riders

Available Term Life Riders

  • Child Protection Rider
  • Accidental Death Benefit Rider
  • Disability Income Rider
  • Guaranteed Insurability Rider
  • Critical Illness Rider
  • Spouse Protection Rider
  • Long-Term Care Rider
  • Family Income Benefit Rider
  • Terminal, Chronic, and Critical illness Accelerated Benefit Riders

Available Carriers

Transamerica, Mutual of Omaha, Prudential, AIG, Fidelity Life

Flexibility & Available Riders - 4 / 5

Additional Company Information

Homepage URL
https://www.ecoverage.com
Company Phone
(866) 912-4757
Headquarters Address
13810 SE Eastgate Way STE 300, Bellevue, WA, 98005
Year Founded
2012

Our Comments Policy  |  How to Write an Effective Comment

Leave a comment for eCoverage Life Insurance
Minimum 12 words.
 No maximum length.
* What's Your Rating?
To make this comment as helpful as possible for our community, please provide at least 2 sentences.
Top Rated
Our Partner
  • The only 100% no medical exam term life insurance
  • Ages 18 to 60 are eligible to apply
  • Term life policies $50,000-$1.5 million in coverage
  • Company offers 10, 15, 20, 25, and 30-year terms
  • Monthly premiums as low as $10
  • Featured in WSJ, CNN, Forbes, TechCrunch & Money.com
READ FULL REVIEW >
VIEW RATES

Related to Life Insurance

Top Articles
Suggested Comparisons