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LifePlanRate Life Insurance Review

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Based in Ohio and founded in 2019, LifePlanRate.com is an online marketplace that connects customers to various term, whole, and final expense life insurance providers. The portal is operated by Excel Impact, LLC, a company that runs other aggregator websites.
 
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How is LifePlanRate rated?

Breakdown

Overall Rating: 0 / 5 (N/A)

LifePlanRate.com is a life insurance marketplace website operated by Excel Impact, LLC. The portal can direct you to either life insurance carriers, or other marketplaces depending on your location. Customers need only input a few basic bits of information to get an approximated quote. They then will need to navigate to the partner website in order to complete the approval and purchase process. LifePlanRate.com has a long list of affiliate providers. As with all aggregators, we encourage customers to research the policy offerings and reputation of whichever company LifePlanRate.com seeks to pair them with.

Financial Strength

Key Details

Standard & Poor's Financial Rating
AA
Moody's Financial Rating
Aa3
AM Best Financial Rating
A+

Company Stability - 0 / 5

As LifePlanRate.com is an aggregator, it does not carry any financial strength ratings of its own. Financial ratings are important for life insurance products because they are a good indication of the company's ability to meet their payout obligations into the future. We assess financial health by looking at the ratings assigned by Standard & Poor's, Moody's, and A.M. Best. For illustrative purposes, we've included the financial grades for one of LifePlanRate.com's affiliate companies.

Reputation & Customer Experience

Customer Ratings

Date Collected
2019-02-08

Reputation - 0 / 5

LifePlanRate.com is an aggregator, and therefore has no listing with the National Association of Insurance Commissioners (NAIC). Should customers wish to see the complaint ratio, we suggest they use this tool to search the life insurance provider LifePlanRate.com pairs them with. LifePlanRate.com is operated by Excel Impact, LLC. There is little information available about how customers view Excel Impact, LLC. A handful of complaints about the company have been made to the BBB, all of which focus on telemarketing practices.

LifePlanRate Policies

Term Life Insurance

Minimum Age
18
Minimum Death Benefit
$10,000
Maximum Death Benefit
$4,000,000
Available Terms
1 year
5 year
10 year
15 year
20 year
25 year
30 year

Key Term Policy Features

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

Policies & Coverage - 0 / 5

LifePlanRate.com is an aggregator website that offers term, whole, and final expense life insurance policies from various affiliate providers including Gerber Life, Transamerica, and MetLife. Policy benefits can range anywhere from $10,000 to $4,000,000, and term lengths can be between 1 and 30 years. Customers can either contact the marketplace directly by phone, or input minimal information like zip code, name, and date of birth to be connected with viable life insurance alternatives in their area. Customers should be aware that while some of these links will be directly to life insurance carriers, others lead to other aggregators. By submitting their information, customers are consenting to be contacted by any affiliate partner via phone, email, postal mail, text messages, and other forms of communication.

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

Available Carriers

https://lifeplanrate.com/company-list

Flexibility & Available Riders - 0 / 5

Additional Company Information

Homepage URL
https://lifeplanrate.com/
Company Phone
(855) 787-7062
Headquarters Address
445 W. Liberty St., Medina, OH, 44256
Year Founded
2019

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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
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