Zander Insurance | How Does Zander Life Insurance Work Explained

Zander Insurance is not a life insurance company, but rather an insurance agency that helps people to evaluate and find insurance quotes for term life insurance policies based upon their individual requirements.

AIG, Mutual of Omaha, and Prudential are just a few of the companies that they work with in order to provide you with term insurance quotes.

Using Zander, you can obtain coverage of up to $10 million over a period of up to 30 years with terms that last as long as you please.

You might be able to get a policy without having to undergo a medical examination if you are eligible for simplified coverage in some cases.

Despite that, Zander only provides quotes for term life insurance policies.

The agency does not offer whole life, universal life, or any other kinds of insurance coverage, so you will need to contact a different insurance firm.

Zander Insurance Available Plans

The only life insurance coverage Zander Insurance offers is term life insurance.

Getting a quote and applying online is easy; you don’t need to work with an agent.

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Among the companies that Zander provides life insurance quotes are:

  • AIG
  • Assurity
  • Banner Life
  • Lincoln Financial Group
  • Mutual of Omaha
  • North American Life Insurance
  • Pacific Life
  • Protective Life
  • Prudential
  • SBLI
  • Transamerica

Currently, there is only one type of plan available:

Term Life Insurance

Due to the relatively low cost of term life insurance, it is frequently referred to as the best form of life insurance by financial experts.

This protects your beneficiaries for a limited time; if you die, they get a death benefit.

They’re no longer entitled to benefits after the term ends.

The amount of coverage offered by Zander Insurance ranges from $50,000 to $10 million, so you can choose the benefit that best suits your needs.

The available terms are 10, 15, 20, 25, or 30 years.

Zander requires a medical exam for most of the policies it sells.

Price of Zander Life Insurance

In order to provide consumers with information on life insurance quotes, Zander Life Insurance is also able to present them with instant quotes and compare them to the top life insurance companies in the country.

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Also, customers are able to select a policy online and apply for it directly without the assistance of an agent.

Quotes are based on a number of factors, including your gender, age, height, weight, and the current state of your health.

You can choose to pay monthly or annually for your premium.

10-year policy$10.33/month$9.31/month
20-year policy$14.24/month$12.63/month
30-year policy$22.08/month$19.07/month

What you need to do to get a quote from Zander life insurance

Follow these steps to apply for a life insurance policy online or by phone:

  • Apply under the Life section or call 800-356-4282 to get started with your application.
  • Enter your personal information, health status, coverage level, and term length. Click View Quote.
  • You can sort the policies available based on the cheapest premiums. Click Choose plan next to your preferred company.
  • Please select a monthly or annual payment option and click Next Step.
  • Complete your personal information, occupation, income, and health information.
  • Click Send for approval once you have completed the entire application.
  • Your insurance company will tell you what to do next. You will usually need to take a medical history questionnaire and undergo a physical exam.
  • Activate your coverage by making your first payment and verifying your payment details.
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Depending on how quickly the insurance company can complete the approval process, including the medical examination, it could take up to six weeks.

In the case of switching insurance companies, you may need to keep your old policy until your new policy is approved and you make your first payment.

Zanders life insurance reviews and complaints

Zander has an A+ rating by the Better Business Bureau (BBB), and it has 10 complaints on the BBB’s site as of October 2022.

In most reviews, people complain about getting unwanted sales calls and billing issues, but Zander seems to have resolved all complaints.

AM Best financial ratingNot Rated
BBB accreditedYes
BBB ratingA+
3.65/5 out of 20 customer reviews
Customer reviews verified as of29 October 2022

Company Overview

In 1925, Herman Zander founded Zander Insurance, now owned and operated by the fourth generation of the Zander family.

Zander Insurance helps consumers shop for term life insurance rates and other types of policies.

Zander Life Insurance has been licensed to sell life insurance policies in all 50 states.

Phone Number

To contact customer support, email or call 800-356-4282.

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