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RateFetcher Review: Life Insurance


ConsumersAdvocate.org Rating: 4.5 / 5 (Excellent)
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RateFetcher is an online portal that connects consumers with quotes from competing insurance carriers.

Along with life insurance, the company can also provide access to auto, health, homeowners, and Medicare.

RateFetcher does not issue life insurance policies itself, but rather determines and ranks providers in your area for your convenience.
 
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How is RateFetcher rated?

Breakdown

4.5/5
Company Stability
4.5/5
Reputation
4.5/5
Policies & Coverage

Overall Rating: 4.5 / 5 (Excellent)

RateFetcher is a solid choice for life insurance quotes for customers wanting a wide sampling of carriers available in their area.

Prospective clients get personalized offers from the top tier life insurance providers.

RateFetcher works with highly rated carriers, including American National, AIG Direct, Navy Mutual, and Coverage America.

RateFetcher uses a proprietary algorithm that seamlessly matches customers to the best plan in their area, directing consumers to the websites that best fit their needs.

This offers a wide sampling of different types of policies and policy options and features, as each provider has their own particular plans.

Financial Strength

Key Details

Standard & Poor's Financial Rating
A
AM Best Financial Rating
A

Company Stability - 4.5 / 5

RateFetcher is an online aggregator of life insurance offers from many insurance companies.

It is therefore incumbent on the consumer to verify the financial strength and reputation of any carrier RateFetcher proposes to pair them with.

The following are the financial strength ratings for American National Insurance Company, a provider that consistently popped up in our RateFetcher quotes across many states and zip codes.

Reputation & Customer Experience

Customer Ratings

Date Collected
2018-10-16

Reputation - 4.5 / 5

RateFetcher is a relatively new service and as such doesn't have a presence with the BBB or Trustpilot.

RateFetcher itself does not issue insurance policies, but rather connects consumers to life insurance providers operating in their area.

We encourage consumers to research the reputation of any given organization before selecting a life insurance policy.

RateFetcher does not sell your personal information to a list of other providers, so you won't get barraged with unwanted phone calls or emails.

Instead, the company connects consumers with the appropriate carriers through its online portal.

RateFetcher Policies

RateFetcher offers customers the following life insurance policies: Term, Whole Life, Universal Life, Guaranteed Acceptance/ Final Expense.

Term Life Insurance

Available Terms
5 year
10 year
15 year
20 year
25 year
30 year
35 year
40 year

Key Term Policy Features

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

Policies & Coverage - 4.5 / 5

RateFetcher offers maximum flexibility when it comes to life insurance policy options.

The company deals with carriers which can provide term and permanent policies, as well every conceivable term length.

Policy features such as term to permanent coverage, waiver of premium, and guaranteed renewability will entirely depend on the carrier RateFetcher ultimately pairs you with.

Since RateFetcher does not sell your contact information, but only connects you directly with the insurers, customers can proceed to each of the suggested websites in order to confirm the selected carriers has the options they require.

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

American National, AIG Direct, Coverage America, Life Insurance Pro, Navy Mutual

Flexibility & Available Riders - 0 / 5

Additional Company Information

Homepage URL
http://www.ratefetcher.com/
Year Founded
2018

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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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