Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

Benjamin Carr was a licensed insurance agent in Georgia and has two years' experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent Benji Carr

UPDATED: Jun 30, 2022

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It’s all about you. We want to help you make the right life insurance coverage choices.

Advertiser Disclosure: We strive to help you make confident life insurance decisions. Comparison shopping should be easy. We are not affiliated with any one life insurance provider and cannot guarantee quotes from any single provider.

Our life insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from top life insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance-related. We update our site regularly, and all content is reviewed by life insurance experts.

The Facts of Life

  • Zander Life Insurance is an insurance agency that helps match clients with a life insurance agency that meets their needs
  • Zander only offers term life insurance policies, and the company does not allow clients to purchase riders to personalize their coverage options
  • Zander Insurance has an A+ rating with the Better Business Bureau

If you’re searching for a life insurance policy that meets your needs, you may want to consider Zander Life Insurance.

Zander Life Insurance does not directly issue life insurance policies. Instead, Zander is an insurance agency that will help you shop specifically for term life insurance options. If you are searching for permanent life insurance options, you’ll want to choose a different agency to help you find the right policy.

As you shop for term or whole life insurance plans, be sure to compare quotes from several companies before making any final decision. Comparing life insurance quotes can help you save a lot of money when it comes to monthly rates.

In fact, you can use our free quote tool above to start your search for the best term or whole life insurance policies in your area today.

How does Zander work?

If you want to find a life insurance policy but you’re not exactly sure where to start, Zander Life Insurance may be able to help you. Zander is an agency that partners with several different major life insurance companies in the United States, including:

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

Because Zander only offers term life insurance policies, the process of finding the right policy with the right company is a bit simpler than it might be with other agencies. Zander allows clients to apply for up to $10 million in coverage with a term life policy.

Term policies that Zander Life Insurance issues via other companies can last for a term anywhere from 10 years to 30 years, and some clients may be eligible to purchase term life coverage without having to go through a medical exam.

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Do I need term or permanent life insurance?

If you’ve done much research to find a life insurance policy, you may have noticed that many financial experts recommend term life insurance policies. This is why Zander is nationally endorsed by the Dave Ramsay Show. And while many associate Dave Ramsay with whole life insurance, he openly promotes Zander’s term life options as a wise move for many Americans.

Dave Ramsay and other financial experts tend to recommend term life insurance policies because these policies are often a lot less expensive than permanent life insurance policies. Essentially, you pay a lot less for a term life insurance policy because your beneficiaries will only have temporary protection.

During your term, your beneficiaries will receive the death benefit of your life insurance policy. But once the term of your policy ends, your beneficiaries are no longer eligible for your death benefit.

Many people who are looking for permanent protection for their loved ones would prefer to purchase a permanent life insurance policy. Permanent life insurance — which comes in many different forms and offers a lot by way of annuities, riders, and overall flexibility — is a popular option for coverage, but it can cost substantially more than a term policy.

To determine whether a term life insurance policy through Zander would work for you, you first need to assess your needs and decide which type of policy would work best and which type you can afford.

How much is term life insurance through Zander?

Zander Life Insurance prides itself on finding clients the best possible rates when it comes to term life insurance coverage. Because of this, you are likely to find that companies offer different rates depending on a number of factors, including:

  • Age
  • Gender
  • Where you live
  • Occupation
  • Whether or not you smoke
  • Medical history
  • Family’s health history
  • BMI
  • Lifestyle
  • Marital status

As you answer questions pertaining to the topics above, Zander will generate quotes for you from different life insurance companies. If you are considered an ideal life insurance client, you may get rates that are lower than you expect. But if you are not in good health or you have a dangerous job, you can expect to pay higher-than-average monthly rates for your life insurance coverage.

The table below shows the average monthly rates for a term life insurance policy based on gender, age, and the policy amount.

Average Monthly 20-Year Term Life Insurance Rates by Age, Gender, and Coverage Value
Age and Gender$250,000 Policy Average Monthly Life Insurance Rates$500,000 Policy Average Monthly Life Insurance Rates$750,000 Policy Average Monthly Life Insurance Rates$1 Million Policy Average Monthly Life Insurance Rates$2 Million Policy Average Monthly Life Insurance Rates
20-Year-Old Male$18$29$40$47$86
20-Year-Old Female$15$22$30$35$64
25-Year-Old Male$17$28$39$46$86
25-Year-Old Female$15$22$30$35$65
30-Year-Old Male$18$29$40$47$89
30-Year-Old Female$15$23$31$37$69
35-Year-Old Male$19$31$44$52$99
35-Year-Old Female$17$26$36$43$79
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As you can see, you can expect to pay more for a life insurance policy as you age, if you’re a male, and if you purchase a policy with a higher death benefit.

Using Zander will help you get a better idea of how much you can expect to pay for a term life insurance policy based on your unique factors. If you know you want a whole life insurance policy, you will want to compare quotes another way, as Zander will not be able to offer you any information.

As a comparison to the term rates shown in the table above, the table below shows monthly rates for whole life insurance based on gender, age, and policy amount.

Whole Life Insurance Rates by Age, Gender, and Policy Limit
Age & Gender   $250K Policy Limit$500K Policy Limit$750K Policy Limit$1M Policy Limit$2M Policy Limit
25-Year-Old Female$156    $307    $458    $600      $1,196    
25-Year-Old Male  $178    $351    $524    $688      $1,179    
30-Year-Old Female$189    $374    $558    $733      $1,462    
30-Year-Old Male  $213    $421    $629    $827      $1,650    
35-Year-Old Female$219    $433    $647    $852      $1,699    
35-Year-Old Male  $261    $517    $773    $1,020    $2,035    
40-Year-Old Female$264    $523    $782    $1,032    $2,059    
40-Year-Old Male  $328    $652    $975    $1,289    $2,574    
45-Year-Old Female$329    $653    $978    $1,293    $2,581    
45-Year-Old Male  $416    $827    $1,239  $1,641    $3,277    
50-Year-Old Female$421    $837    $1,254  $1,661    $3,317    
50-Year-Old Male  $531    $1,057  $1,584  $2,101    $4,198    
55-Year-Old Female$544    $1,084  $1,623  $2,153    $4,302    
55-Year-Old Male  $678    $1,351  $2,024  $2,688    $5,372    
60-Year-Old Female$705    $1,406  $2,107  $2,799    $5,593    
60-Year-Old Male  $865    $1,725  $2,586  $3,437    $6,869    
65-Year-Old Female$935    $1,865  $2,796  $3,717    $7,429    
65-Year-Old Male  $1,123  $2,241  $3,360  $4,468    $8,932    
70-Year-Old Female$1,274  $2,544  $3,814  $5,074    $10,143   
70-Year-Old Male  $1,518  $3,031  $4,544  $6,047    $12,090   
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You may notice a stark difference when it comes to life insurance rates for these two different policies. If you know you want a life insurance policy, but you feel like the whole life insurance options are simply too expensive, you can pursue a term life insurance policy knowing you’re making the best financial decision for yourself and your loved ones.

Does Zander have good ratings and reviews?

When it comes to ratings and reviews, Zander Insurance has an A+ rating with the Better Business Bureau (BBB). The BBB website also shows that Zander has positive customer reviews and a 3.5 out of five-star rating with the company as well.

If you’re considering using Zander to help you find a life insurance policy, it’s still a good idea to use another comparison tool to find the absolute best policy out there.

You can use our free quote tool below to find and compare rates for whole or term life insurance policies to see which company will offer you the coverage you need at an affordable rate.