eCoverage Life Insurance Review

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Founded in 2012 and based in Washington state, eCoverage is an online marketplace where customers can obtain life, auto, and health insurance quotes from multiple providers. Some of eCoverage's affiliates are among the biggest insurance carriers in the country. eCoverage has a A+ with the BBB.

How is eCoverage rated?


Overall Rating: 0 / 10 (N/A)

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
Moody's Financial Rating
AM Best Financial Rating

Financial Strength - 0 / 10

eCoverage delivers competing quotes from the largest 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 in the world. 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.
*The above information reflects the financials strength of one of the partner insurance companies that this insurance marketplace offers policies through: Transamerica.

Reputation & Customer Experience

Customer Ratings

BBB Rating
Number of BBB Positive Reviews
Number of BBB Negative Reviews
Date Collected

Customer Experience - 0 / 10

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. Because we feel that Term Life insurance is a superior choice for most customers, we've focused our review on the eCoverage Term Life policy.

Key Term Policy Features

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

Policies - 0 / 10

eCoverage can connect users to mostly every permutation of life insurance coverage options. This includes term, permanent, and whole 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 non smoker received the options of $25,000 to $1 million in coverage for periods of 5,10,15, and 30 years. Because of this, eCoverage offer maximum flexibility in choosing life insurance coverage.

Flexibility & Available Riders

Available Riders

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

Available Carriers

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

Flexibility - 0 / 10

Since eCoverage connects you with multiple quotes depending on your needs and location, the company can offer you basically any combination of riders and discounts. It is important, however, for the customer to verify availability before they start dealing with a company. Though many specifics of the policies can be viewed in bullet points on the results page, it is important to delve deeper. For example, if offers from AAA, American National, and trustage look like they might fit your needs, visit the individual websites or contact representatives to see if the company has the rider or additional option you require.

Additional Company Information

Homepage URL
Company Phone
(866) 912-4757
Headquarters Address
13810 SE Eastgate Way STE 300, Bellevue, WA, 98005
Year Founded

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Top Rated
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9.7 / 10
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