Zander Life Insurance Review

Life insurance with Zander is a great way to save both money and time on straightforward coverage. This purchase is made much easier with Zander’s assistance because you don’t have to make many decisions regarding the sort of policy and riders you want to acquire. Zander, on the other hand, does not provide long-term investment programs. Your term insurance may be convertible to permanent insurance with some firms when it expires.

Zander life insurance rates

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Term life insurance premiums can range from $50 to $150 per month. Some of Zander’s solutions, on the other hand, may be much less expensive. For example, we got rates as low as $21 per month for a $400,000 coverage when we quoted under the Preferred Plus health class – the highest health category.

In addition to the insurance carrier you engage with via Zander, your specific premium will depend on:

  • Age
  • Habits of a smoker
  • The health class that you fall into is determined by your age.
  • Risks in the workplace
  • Hobbies that may be deadly
  • The extent to which something is covered

What affects my rate with Zander

The following health requirements must be met in order to qualify for the lowest rates in the Preferred Plus health class, the highest health rating:

  • Follow your doctor’s recommendations for a healthy weight-to-height ratio.
    less than 135/85 mm Hg
  • Cholesterol is kept below a safe level of 220
  • Before the age of 60, neither of my parents had a heart disease diagnosis or died as a result.
  • The previous five years have seen no usage of tobacco products.
  • Except for a few forms of skin cancer in your past medical history, you’re cancer-free.
  • Have kept your blood pressure and cholesterol under control for at least a year and a half.

To be eligible for a Preferred health class with lower rates, you must fulfill the following requirements:

  • Less than 140/88 mm Hg
  • Less than 240 mg/dl cholesterol
  • I haven’t smoked in the last three years.
  • Before the age of 60, neither of my parents had a heart disease diagnosis or died as a result.
  • Blood pressure and cholesterol should be under control for at least a year and a half.
  • Except for a few forms of skin cancer in your medical background, you’ve never had cancer.

How to get a quote from Zander life insurance

These are the stages to buying a life insurance policy, whether you do it online or over the phone:

  1. The Life component of your application may be found here, or you can call to get started at 800-356-4282.
  2. Please enter your contact information, health condition, insurance tier, and term duration in the fields provided. To see the full quote, choose See Quotation.
  3. See which insurance provides the best value for money by sorting by lowest premium cost. When you’ve decided on a service provider, select it by clicking on Choose plan next to the business name.
  4. Select whether you want to pay monthly or annually, then click the Next Step button.
    Click Next once you’ve filled out the blanks regarding your health, profession, and sources of money.
  5. To submit your application for approval, click Send when you’ve finished filling it out.
    Find out what the insurance company’s next moves are. An interview about your medical history and a medical exam are two examples of these procedures.
  6. Decide on a payment method, make your first payment, and begin your insurance coverage!

The insurance company’s approval procedure, which includes a medical exam, may take four to six weeks to complete. If you’re changing insurance providers, you may have to hold onto your old policy until your new one has been approved and paid for.

What types of life insurance coverage does Zander offer?

Zander is a life insurance agent that specializes primarily in term plans. Between 10 and 30 years of coverage are available with this policy. If you’re matched with an insurance company that offers permanent life insurance, you can convert your term coverage as you get older.

What riders can I add to my policy?

When it comes to life insurance, Zander takes a simple approach that eliminates many of the extra features offered by typical companies. However, some of the businesses with whom Zander collaborates may provide:

  • Child rider. Provide a little amount of funeral expenditure coverage for your child’s life insurance.
  • Rider with a spouse. Depending on the company, spouses may receive the same or lower coverage under the same insurance, such as 50% of your total coverage.

Zander life insurance reviews and complaints

According to the Better Business Bureau (BBB), Zander has an A+ rating and 10 customer complaints as of October 2021. Zander is recognized with an A+ rating. Zander has reacted to every complaint, even those involving unsolicited sales calls and billing difficulties.

Before coming to any conclusions about Zander’s customer service, we at Finder like to see more consumer reviews. As a comparison site for insurance, people may leave more evaluations for the insurance providers themselves rather than Zander.

Visit our review of Voya Financial Life Insurance Review for one more car insurance review.

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Levi Jorgensen
Levi Jorgensen is a life-long explorer. When he's not writing about life insurance, he works as an appraiser of antiques. He's based in Columbus, Ohio with his wife and 2 children.
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