Accelerated underwriting/"no medical exam" (life insurance) - Issuance of a term life or final expense life insurance policy without a medical exam is subject to product availability and your eligibility, and may depend upon your truthful answers to a health questionnaire.
"You could save 50% or more/up to 53%" (life insurance) - Savings of 53.21% estimated by calculating the average percentage difference between the highest and lowest monthly premiums for $500K, 20-year term life policies available in the Usainsurance marketplace for a 20-year-old male with a Preferred Plus health rating in all 50 states and Washington, D.C. Savings may vary by term, policy amount, health class, and state. Savings illustration valid as of 8/31/2021.
"You could save $1,300 or more per year" (life insurance) - Potential savings calculated by finding the average difference in premium between the highest and lowest term life quotes shown to customers who received at least two quotes between 4/23/2018 and 8/22/2020 and went in-force. Potential savings are based on a composite of multiple different contracts and insurers, each holding an A.M. Best Rating of at least A-. Not all policies in this calculation are available in all states. Savings may vary by term, policy amount, health class and state.
"Life insurance is less expensive than you might think" - Based on the results of a survey conducted by LIMRA in January 2020 in which 50% of millennial respondents born between 1981 and 1998 estimated that a $250,000 term-life policy for a healthy 30-year-old would cost over $1000 per year.
"Life insurance rates have dropped" - Average monthly premium for a $500K, 20-year term life insurance policy for a non-smoking 45-year-old male based on a composition of policies from carriers available through the Usainsurance marketplace, which may vary by carrier, term, coverage amount, health class, and state. Individual rates will vary as specific circumstances will affect each customer's rate. Not all products available in all states. Rate illustration valid as of 5/1/2021.
"Price range over 100%" (life insurance) - Price range for a 45-year-old male smoker in Colorado with a Regular Plus health rating searching for a 20-year, $1M term life insurance policy, based on a percentage difference of 118% between the highest ($1,776.57/mo from Sagicor Life Insurance Company of Scottsdale, AZ) and lowest ($461.12/mo from Illinois Mutual Life Insurance Company of Peoria, IL) quotes from 46 A- or better-rated life insurance carriers surveyed. Rate illustration valid as of 8/4/21.
"Rated #1 by Forbes Advisor" (life insurance) - Brighthouse SimplySelect term life insurance policy rated #1 on Forbes Advisor's list of Best Instant No-Exam Life Insurance.
"Up to 13"/"over a dozen" top insurers (life insurance) - Based on the NAIC 2022 ranking of life insurance companies. Product availability varies by state and is based on eligibility. Not all carriers available in all states.
"You add between 4.5%-9.2% on average to your premium every year you wait to buy" - We calculated the average annual increase in cost for non-smoking men and women with Preferred health ratings for a $1M, 20-year term life insurance policy in all states with each of the 11 carriers that offer policies through the Usainsurance marketplace. Calculation is based on a composite of policies from Corebridge Financial, Legal & General America, Brighthouse, Lincoln, Mutual of Omaha, Pacific Life, Principal, Protective, Prudential, SBLI, and Transamerica and may vary by carrier, term, coverage amount, health class, and state. Not all policies are available in all states. Rate illustration valid as of 9/22/2020.
"Life insurance rates typically increase with age" - Average monthly premiums for 20-year, $500K term life policies placed in force through Usainsurance for non-smoking men rated Preferred Plus from 9/1/2021 to 9/1/2022.
Auto coverage average of $1,281.18 per year/$106.76 per month/$24.63 per week: Averages based on premiums of all standalone auto insurance policies placed in force between June 1 and October 26, 2021 with policyholders aged 25+ across all U.S. states except California, Florida, and Louisiana. Premiums may vary based on eligibility, availability of products and discounts, and location.
Saved re-shoppers an average of $1,250/35% per year (home & auto insurance): Savings calculated by taking the average price savings of in-force Usainsurance customers who shared a copy of their prior bundled home and auto coverage with Usainsurance and used Usainsurance to switch to a comparable policy with a different insurer between 06/01/2020 and 04/01/2021. Potential savings are based on a composite of multiple different contracts and insurers. Not all policies in this calculation are available in all states. Savings may vary by policy amount and location.
Average savings of $435/yr (auto insurance): Savings are determined by calculating the average difference between the lowest and second lowest auto insurance policy estimates provided to shoppers with two or more estimates between 06/01/2020 and 05/18/2021. Potential savings are based on a composite of multiple different contracts and insurers. Not all policies in this calculation are available in all states, and availability may be based on eligibility. Savings may vary by policy amount and location.
Average savings of 19%/yr (auto insurance): Savings are determined by dividing the lowest average and second lowest average auto insurance policy estimates provided to shoppers with two or more estimates between 06/01/2020 and 05/18/2021. Potential savings are based on a composite of multiple different contracts and insurers. Not all policies in this calculation are available in all states, and availability may be based on eligibility. Savings may vary by policy amount and location.
Average savings of $350/yr (home insurance): Savings are determined by calculating the average difference between the lowest and second lowest home insurance policy estimates provided to shoppers with two or more estimates between 06/01/2020 and 05/18/2021. Potential savings are based on a composite of multiple different contracts and insurers. Not all policies in this calculation are available in all states, and availability may be based on eligibility. Savings may vary by policy amount and location.
Average savings of 30%/yr (home insurance): Savings are determined by calculating the average difference between the lowest and second lowest home insurance policy estimates provided to shoppers with two or more estimates between 06/01/2020 and 05/18/2021. Potential savings are based on a composite of multiple different contracts and insurers. Not all policies in this calculation are available in all states, and availability may be based on eligibility. Savings may vary by policy amount and location.
Saved re-shoppers an average of $455/17% per year (home insurance): Savings are calculated by taking the average price savings of in-force Usainsurance customers who shared a copy of their prior home coverage with Usainsurance and used Usainsurance to switch to a comparable policy with a different insurer between 06/01/2020 and 04/01/2021. Potential savings are based on a composite of multiple different contracts and insurers. Not all policies in this calculation are available in all states. Savings may vary by policy amount and location.
People who give you advice and sell you insurance are required to be licensed by each state in which they do business. All solicitations to apply for insurance and applications for insurance are made through Usainsurance LLC (f/k/a Usainsurance Inc., f/k/a Knowitowl Inc.) (DBA Usainsurance Services LLC in NY & DBA Usainsurance Insurance Services in CA) via Jennifer Fitzgerald, President and principal broker, who holds insurance broker licenses as described below. This website is not a solicitation to sell insurance in any jurisdiction in which we are not licensed.
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Best's Credit Ratings™ are under continuous review and subject to change and/or affirmation. For the latest Best's Credit Ratings™ and Best's Credit Reports (which include Best's Credit Ratings™), visit the A.M. Best website at http://www.ambest.com. See Guide to Best's Credit Ratings™ for explanation of use and charges.
Best's Credit Ratings™ reproduced herein appear under license from A.M. Best and do not constitute, either expressly or impliedly, an endorsement of Usainsurance or its recommendations, formulas, criteria or comparisons to any other ratings, rating scales or rating organizations which are published or referenced herein. A.M. Best is not responsible for transcription errors made in presenting Best's Credit Ratings™. Best's Credit Ratings™ are proprietary and may not be reproduced or distributed without the express written permission of A.M. Best Company.
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