Zander Life Insurance Review

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Zander Life Insurance

Zander Life Insurance

overall rating

Our Take

Zander is a term life insurance quote aggregator, helping users compare term life quotes die-by-side and finding the best policy prices. Quotes cannot be obtained online and require talking with a Zander sales representative. Zander only offers quotes on term and whole life policies so if you are looking for universal or variable life insurance, you will need to look elsewhere.

  • Pros & Cons
  • Key Takeaways
  • Specifications
Pros & Cons
  • Compare multiple quotes from top-rated life insurance companies

  • High coverage limits for term policies

  • Many policies do not require a medical exam

  • Only term life policies available

  • No optional riders for customizing coverage

  • Application process can take 4-6 weeks

Key Takeaways
  • Zander compares term life policies from top insurance carriers.
  • Zander is licensed to sell life insurance in all 50 states.
  • Zander life insurance policies are underwritten by partner companies.
  • Zander also compares rates on home, auto, disability, health, and long-term care insurance.
  • Year Founded 1925
  • Kinds of Plans Term
  • Number of Plans One
  • Payment Options Monthly, Annual
  • Official Website


Zander Life Insurance offers term life insurance quotes through top-tier insurance partners. We researched Zander’s financial stability, policy plan options, riders, website tools, and customer service reviews to help you compare the life insurance policy options available through Zander with the competition.

Company Overview

Zander Insurance was founded in 1925 by Herman Zander and is now a fourth-generation, family and employee-owned business that helps consumers shop for the best rates on term life and other types of insurance.

Zander offers quotes on term life insurance from 11 different insurance companies, all of them with an AM Best financial rating of A (Excellent) or better. Applications are processed by Zander, but the policy is ultimately underwritten by a partner life insurance company.

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


When obtaining a free quote, users agree to receive a phone call from a Zander agent or automated text message by providing a phone number.

Available Plans 

Zander insurance only offers level term policy quotes from partner companies. There are no permanent or guaranteed life insurance options such as whole, universal, or final expense life insurance. 

Zander provides life insurance quotes from companies such as:

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

Term Life Insurance

Term life insurance is often touted as a good, low-cost option for temporary life insurance as it only covers the insured for a specific length of time. Term life insurance offers a death benefit if the insured dies during the term, but once the term ends, the death benefit is no longer available.

Zander offers quotes for term life insurance from partners, with term lengths ranging from 10 to 30 years. Coverage ranges from $50,000 to $10,000,000, which is higher than many life insurance companies offer. The coverage amount and term length depend on the client’s age, health, tobacco use, and more. Quotes are offered by submitting an online form and answering a few basic health-related questions.

Most term policies will require a medical exam, though younger, healthy individuals may qualify for a no-exam policy.

Available Riders

Insurance riders are add-on policy enhancements that allow clients to customize their policies, such as gaining early access to life insurance funds or extending coverage to family members. Riders usually come at an additional cost.

Zander does not offer any life insurance riders on the policies quoted.


While Zander does not offer any riders with its policy quotes, you can always contact the insurance company underwriting the policy you’ve selected to see what rider options may be available.

Customer Service: Several Ways to Connect

Zander Life Insurance offers customer support over the phone and via email. Its website also offers educational materials and a life insurance FAQ to help answer common questions about life insurance and the quoting process. Zander Life Insurance has an insurance calculator to help potential customers understand how much coverage they may need.

Zander customer service is available by phone Monday through Friday, 8 a.m. to 8 p.m. CT, and Saturday from 9 a.m. to 2 p.m. CT.

Customer Satisfaction: Very Few Complaints  

The National Association of Insurance Commissioners (NAIC) complaint index tracks customer complaints for life insurance companies and has an average complaint score of 1.0, with a lower score being better. Zander Life Insurance doesn’t insure customers directly, but the insurers that underwrite the life insurance policies they offer do have complaint scores. Most of them score under 1.0 (better than average), but some, including Transamerica and SBLI, receive more complaints than other life insurance companies their size.

Expert Tip

Before completing your Zander Life Insurance application, ask who will be underwriting your life insurance policy.

In the 2020 J.D. Power Life Insurance Study, which ranks the top 23 life insurance companies based on customer satisfaction, Zander was not ranked, but two of its partner companies—Mutual of Omaha and Pacific Life—were ranked in the top 10.

Financial Strength: A (Excellent) or Better

Zander Life Insurance does not underwrite any of the policies it sells, but the companies it partners with all have an A (Excellent) or better ranking from AM Best

This ranking reflects a strong financial position based on a company’s balance sheet, risk management, and operating performance. This high ranking gives customers confidence that the insurer can pay out insurance claims on policies in force.


AM Best ranking fluctuate and may dip below A (Excellent) at times for some partners.

Cancellation Policy: Average

Zander Life Insurance follows the state-regulated minimum “free look” period for insurance policies, which is at least 10 days. The free look period is the amount of time after signing up for a life insurance policy that clients can cancel and receive a full refund. Free look periods vary by state.

After the free look period, canceling a term life insurance policy offers no refund of premiums paid. 


To cancel your life insurance policy, you will need to contact the company that issued the policy, not Zander.

Price of Zander Life Insurance: Varies by Company

Zander Life Insurance offers online price quotes for term life insurance, giving users instant pricing comparisons between top life insurance companies. Users can also select a policy and apply directly online without speaking to an agent.

Term life estimates are not final until completing the application process, which may take up to six weeks. Term quotes are based on gender, age, height, weight, and evaluation of current health. Premiums can be paid monthly or annually. 

Sample Zander Term Life Rates

  Man Woman
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

Sample rates provided are for a 35-year-old non-smoker in excellent health with $250,000 of coverage.

How Zander Life Insurance Compares to Other Life Insurance

Zander is essentially a term life insurance shopping tool. It helps users quickly compare rates from top companies and select the best one. While this is an effective way to compare rates online, the application process may take a while. Also, Zander offers only term policies with no customization, while many life insurance companies offer a selection of policy types and rider options.

Here’s how Zander Life Insurance compares to a competing life insurance company.

Zander Life Insurance vs. Nationwide Life Insurance

Both Zander Life Insurance and Nationwide offer term life insurance as well as auto and homeowner’s coverage. While Zander Life Insurance is a third-party quoting tool, Nationwide quotes and underwrites all of its insurance policies in-house. Zander Life Insurance only partners with financially strong insurers with an A (Excellent) AM Best rating (or higher), while Nationwide boasts an A+ (Superior) AM Best rating.

Here are a few additional differences between Zander and Nationwide:

  • Nationwide offers multi-policy discounts for current customers.
  • Zander Life Insurance offers up to $10,000,000 in term life coverage compared to only $1,000,000 from Nationwide.
  • Nationwide offers whole, universal, and variable universal life insurance policies.
  • Zander Life Insurance compares term rates between 11 life insurance companies

Zander vs. Nationwide Price Comparison

  Zander Nationwide
10-year policy $10.33/month $12.69/month
20-year policy $14.24/month $16.84/month
30-year policy $22.08/month $25.16/month

Sample rates provided are for a 35-year-old male in excellent health with $250,000 of coverage.

While Zander helps compare rates for term life insurance policies, Nationwide offers far more types of life insurance and underwrites its policies.

  Zander Life Insurance Nationwide Life Insurance
Market Share N/A 14th-largest in the U.S., 1.84%
Number of Plans One Eight
Online Quotes Available? Yes Yes (term life only)
Service Method Phone and email Email, phone, in-person, social media
AM Best Rating A (Excellent) or better A+ (Superior)
Complaints Index Varies 0.10 (excellent)

Final Verdict

Zander Life Insurance makes it easy to compare term life quotes, offering up to $10,000,000 in coverage for qualified applicants. While users can price shop and even apply online for term life insurance, the application process may take up to six weeks. Zander is a decent option for customers who only want term life insurance for low prices.

If you want access to a larger selection of life insurance options, including whole, universal, and guaranteed life insurance policies, you will need to shop elsewhere.


All of our reviews of life insurance companies are based on extensive research and analysis of each company based on product offerings, customer service, financial stability, cost, and more. For each company, we compared the life insurance products sold as well as notable features and customer experiences. Visit our life insurance review methodology for the full breakdown of what we evaluated for over two dozen companies.

Article Sources

The Balance requires writers to use primary sources to support their work. These include white papers, government data, original reporting, and interviews with industry experts. We also reference original research from other reputable publishers where appropriate. You can learn more about the standards we follow in producing accurate, unbiased content in our editorial policy .
  1. NAIC. "Transamerica Life Insurance Company - Complaint Index." Accessed May 5, 2021.

  2. NAIC. "SBLI USA Life Insurance - Complaint Index." Accessed Apr. 29, 2021.